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rmb282

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About rmb282

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  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support their. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  3. After sending yet another letter to Blackhorse basically spelling out to them that they were in the wrong and I would be forwarding the information to the ICO and claiming for damages in the small claims court. I had a reply that states: Thank you for your recent fax, the content of which has been noted. Having investigated the matter via our collections department, it has been agreed to delete the above agreement totally with the credit reference agencies Experian & Equifax with immediate effect, and they in turn will update their systems with the next five to seven days
  4. I have had a reply from Barclaycard that states:- "I have conducted an investigation into the comments you have raised and as a result I have arranged to have your credit files cleared completely amonth early, in relation to your Barclaycards. The accounts should have been marked as defaulted at the start of the IVA April/May 2000 and this should subsequently have remained on your file for six years from that date. I would like to offer my sincere apologies on behalf of Barclaycard for the error and the delay in responding to this letter. I trust that this is a satisfac
  5. I have had a reply from Barclaycard that states:- "I have conducted an investigation into the comments you have raised and as a result I have arranged to have your credit files cleared completely amonth early, in relation to your Barclaycards. The accounts should have been marked as defaulted at the start of the IVA April/May 2000 and this should subsequently have remained on your file for six years from that date. I would like to offer my sincere apologies on behalf of Barclaycard for the error and the delay in responding to this letter. I trust that this is a satisfac
  6. Just a quick note for all concerned, I have heard absolutely diddly squat from Barclaycard. I've had a letter from Black Horse that states the following:- "Thank you for your recent communication regarding the above agreement. Whilst Black Horse sympathise with the circumstances which lead to your IVA the information on the databases of the DRA, to whom we subscribe, reflects the conduct of your aggreement with ourselves, this remains on record by law for six years, from the date of the original default 31st July 2000 and will delete automatically 31st August 2006. Thank yo
  7. Just a quick note for all concerned, I have heard absolutely diddly squat from Barclaycard. I have heard from the IC, they want it all on the proper form, even though it was all included in the letter and attachments, anyway, I will be following that up.
  8. I sent a letter to each of the following yesterday (i) Barclaycard (ii) Black Horse Finance (iii) Equifax and also reported Barclaycard to the Information Commissioner, If I don't hear a satisfactory reply from (ii) & (iii) then the info will be passed to the IC It was all to do with this post http://www.bankactiongroup.co.uk/forum/viewtopic.php?t=922&highlight= I'll keep you posted
  9. The above letter has been amended and faxed 09/03/06 and will be posted to Barclaycard today. I am also sending a copy to the Information Commissioner by email today. So we will see what happens.
  10. This is copy of the letter that I will be writing to Barclaycard Your comments would be appreciated Ref: My Accounts with You: Barclaycard Visa-XXXX XXXX XXXX XXXX & Barclaycard Mastercard-XXXX XXXX XXXX XXXX On completion of my Voluntary Agreement back in Oct 2003, I obtained copies of my Credit Reference Files and was very disturbed to note that you had been updating data on the above accounts on a regular basis since the date of my Arrangement. I have contacted you by telephone, by letter, as well as via Equifax and have requested that you amend the data, however, we
  11. I've read it, I can't understand it though.....lol ... I need to get my legal head on, may need a few glasses of whisky
  12. Not at all. Just because one asks for authoritative source doesn't mean one doubts the information. It is only that when one takes on the large institutions, it would be less than prudent not to be armed with chapter and verse. My thoughts exactly, and thats why I seem to having problems collating information in dispute of Barclaycard's reporting methods to Problem No 2 I would appreciate very much if someone with better letter writing knowledge than I to give me guidance. I must admit since joining and reading a lot of the posts, I'm hooked, what a brilliant forum, I only w
  13. May I ask Bankfodder, are you suggesting that some of this information is not correct? From previous correspondence with both Barclaycard and the CRA's, they have said that the information supplied to the CRA is true and correct, and therefore the CRA will not change it without Barclaycard's authority, but i think I will submit a claim for compensation under the fourth rules of the DPA, that it must be correct, and also Cc a copy to the information commissioner. To clarify one point, the CRA Equifuc-up have noted my IVA as discharged, however it is not recorded within the Public Reco
  14. May I congratulate you on your most brilliant letter. I for one, will be watching for your reply. Good luck
  15. Bankfodder, To give you more accurate information or to clarify, Back in Nov/Dec 1999, I was deep in debt and could not manage the repayments etc etc..., and as Barclays Bank could not help me further, I went into an IVA which started in April 2000 I had several defaults ranging from Nov/Dec 1999 through to July 2000; all of which were included within the IVA. Problem No. 1 All but 1 default have expired from my credit file, this being Black Horse Finance as they issued a default in July 2000 even though the IVA (which included their debt) was dated April 2000, not sur
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