Hi I passed my test and stright away my father bought me a car. After few months I lost/misplaced my license. I didnt bother applying for a new stright away. I applied for a replacement driving license just over 2 years. DVLA wrote back saying I did not inform them within 2 years after passing my test and gave me a provisional licence. When i questioned them that they had indeed sent me a full uk lience but I lost/misplaced it. They wouldnt take my answer and said I will have to take my theory and test again. Has anyone had similiar problems or someone who can guide me how to sort this out Thanks in advance

Hi noodledoodle can you please forward the info to my email [email protected] many thanks

Hi Me and my wife have applied for mortgage with rbs, they can lend me the money we need according to our salary. They just got back to me stating that our mortgage has been decline because of live defaults. I have one default on my acc from Natwest while i was at uni. the amount has been paid in full and the default will come off in Nov 09. My wife has two defaults one from HSBC. She had a overdraft limit of £100, but wen over that by another £19. she was defaulted for that. She has paid that in full and will come off in 03/10. The second default she has was from vodafone. she disputed this with vodafone about someone taking out fraudlent contract oon her name. But they couldnt provide any further information except giving her the address where the intial contract was taken out (local mobile shop) she went to visit them but that shop has closed down. Got back to vodafone basically they said it not there problem. They are willing to take default of if made payments in full. She told them to F off and not paying £800 of her hard earn money that she doesnt owe vodafone. I think on this basis we have been refused mortgage. Can any help us with some advise or guide us how to get mortgage. We will sincerely appreciate any advice.

Just an update Just checked my credit report today, the default by 3G has been deleted from my file ...woohooo 1 down one to go !

I realised the letter I sent wasnt appropriate for mobile company, but it got the ball rolling and the response I got of them is very promising. Just have to wait 28 days.

Hi I thought I should share my success with everyone here, might help someone. I was deafulted 2 years ago for £76, which I paid, settled and closed the account. Only found out recently about the default, so I wrote a e-mail to [email protected]. about not getting and prior notice before being defaulted. They wrote back Thank you for your recent communication, highlighting your concerns. I would like to confirm that the Executive Office is currently investigating the issues you have raised and you will be contacted within 10 working days to discuss the results of their findings. In this interim period, should you wish to comment further on the issues raised, please call the Executive Office on 08707 330 295, between 9am and 6.30pm, Monday to Friday. Once again, thank you for bringing this matter to our attention and for your continued patience, during our ongoing investigations. But 10 days passed and had not response so I sent this letter which i found in this forum I am disappointed that I haven’t heard anything from you despite you writing in your email (dated 4th November 2008) that you will contact me within next 10 working days. I have seen my Credit References and notice of ‘Default’ and then satisfied next to the item relating to 3G Hutchinson. It is the Default notice that I am very concerned about because I have no recollection of ever receiving such a notice, and therefore I require you to substantiate this data at your earliest convenience. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy off the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s77 (1) for fixed sum credit). Your obligation also extends to providing a statement of account. 2. You must supply me with a signed true and certified copy of the original default notice. 3. Any deed of assignment if the debt was sold on. You now have 28 days to supply me with the default notice. Failure on your part to adhere to these statutory timescales will automatically be interpreted as your non-compliance with the legal procedure. In that case, you will be expected to unconditionally comply with my Statutory Notice or I shall have no alternative but to refer the matter to The Office of Fair Trading, Information Commissioner’s Office, or even the Court to seek an Order to that effect. Should it be necessary to refer the matter to the Court, and then I shall also apply for Court fees and legal costs against the Bank. I shall also reserve the right to seek redress for damages as per the remit of the Data Protection Act. if you are unable to provide this data then I must insist that it is removed from my files as unsubstantiated. It is your duty to comply with my request under the law. Just had a reply on 26/11/08 from some one called Brendan Pautz ([email protected]) Thank you for your recent email highlighting your concerns about the negative entries placed on your credit file for your closed account with 3. Please accept my apologies for any difficulties you feel you may have experienced during your recent dealings with us. In response to your concerns, I can confirm that your account is closed and the balance is cleared and I have also that this matter has not adversely affected your credit history. My reference to your credit history advises that we have notified the Credit Bureaus that your file needs to be cleared and this process takes about 28 days to complete. T hank you for your email and I trust that this clarifies matters for you. Hope this help others out there !

Hi there I got the extact reply as DCA KING, am just biting my nails to find out what to do next. can anyone help please

Hi I wrote this letter below to experian regarding my credit file they hold. My credit file shows that you are holding personal data about me which is inaccurate and which is in dispute.The entries have been lodged by Natwest bank and 3G Hutchinson. I am putting you on notice that I intend to complain to the Information Commissioner’s office that you are holding inaccurate data about me. The negative entries on my credit file are damaging to me and the Data Protection Act allows me to seek compensation from both you and the organisation which communicated the data to you through the County Courts and this is also an option which I am considering. I am sure that you are also aware that inaccurate entries about me are defamatory and that it is a new act of defamation each time you publish those entries to any enquirer. I would further suggest that even if an inaccurate data entry carries a dispute marker, it does not prevent the inaccurate data from having a damaging effect and it does not protect you from liability. I notice that the Defaults Guidance notes issued to Credit Reference Agencies by the Information Commissioner in August 2007 make all of this very clear to you so that there is no doubt that you are aware of your responsibilities. I expect also that you are aware that being an "innocent disseminator" is no defence either to claims under the Data Protection Act or in defamation. I understand your procedures well enough to know that you will not immediately remove negative entries from my data file. Nevertheless I require you to do so and your failure to respond to this reasoned and polite warning will be brought to the notice of the Information Commissioner and the courts in due course. I understand that you may make some enquiries from my bank before taking action but in the meantime I fully expect that you will place an entry on my file that the entry is disputed. I would be very grateful if you will let me have your full response Yours faithfully they have replied back with this Dear Mr Miah Thank you for your email, which we received on 19 November 2008. I note your comments and I would advise that we are well aware of our responsibilities and obligations under the Data Protection Act 1998 and the Consumer Credit Act 1974. I would like to take this opportunity to explain to you in full the processes we have in place when an individual queries the accuracy of an entry recorded on their credit report. Under Section 159 of the Consumer Credit Act 1974, you have the right to query information on your credit report that you believe to be inaccurate, once you have received a copy of your report. You may wish to refer to the relevant legislation below that outlines the process we adhere to when dealing with disputed information. CONSUMER CREDIT ACT 1974 159 Correction of wrong information (1) Any individual (the ?objector?) given- (a) information under section 7 of the Data Protection Act 1998 by a credit reference agency, or (b) information under section 158, who considers that an entry in his file is incorrect, and that if it is not corrected he is likely to be prejudiced, may give notice to the agency requiring it either to remove the entry from the file or amend it. (2) Within 28 days after receiving a notice under subsection (1), the agency shall by notice inform the objector that it has- (a) removed the entry from the file, or (b) amended the entry, or © taken no action, and if the notice states that the agency has amended the entry it shall include a copy of the file so far as it comprises the amended entry. I also draw your attention to the fourth Data Protection Principle, which states that: Personal data shall be accurate and, where necessary, kept up to date. Within Schedule 1, Part II (Interpretation of the Data Protection Principles) of the Data Protection Act 1998 it is explained that, as a credit reference agency, we are not considered to have breached the Act by querying the disputed information and adding a Notice of Dispute statement. 7. The fourth principle is not to be regarded as being contravened by reason of any inaccuracy in personal data which accurately record information obtained by the data controller from the data subject or a third party in a case where- (a) having regard to the purpose or purposes for which the data were obtained and further processed, the data controller has taken reasonable steps to ensure the accuracy of the data, and (b) if the data subject has notified the data controller of the data subject's view that the data are inaccurate, the data indicate that fact. Our regulator considers our action to query disputed information with the data provider as taking additional steps to verify the accuracy of the entry and by adding a statement to this effect to your report we are recording your viewpoint that the entry is inaccurate. In view of this, I am of the opinion that we have acted correctly throughout this matter and in accordance with the relevant legislation. I remind you that under the terms of the Data Protection Act 1998, each lender that supplies us with information is obligated to ensure that the data is accurate and kept up to date. I hope this explains why we cannot act unilaterally to remove data from your report, especially when the company concerned has confirmed it to be accurate or has not authorised us to make any amendments, as in your case. Furthermore, as we also have a responsibility to enable lenders to make informed lending decisions, I am sure that you can appreciate why we cannot amend information simply because the individual concerned claims that the data is incorrect. If we operated in this way, any individual could claim that all the adverse information on their report was inaccurate purely as a means of improving their credit report. This would put our clients at risk by enabling people to potentially obtain finance that otherwise would not be offered to them. Because of this, if a consumer disputes information on their report we query this with the data provider. The only instances where we would remove information without direct authorisation from the data provider is if a Court Order is provided that specifically states that an entry should be deleted or a ruling is made from a recognised regulatory body. If you are unhappy with the outcome of the queries that we raised on your behalf, then I suggest that you take up this matter with the Information Commissioner's Office. Kind regards Can anyone please what i should do next or reply many thanks

Hi i see there is loads of link out there which deals with the same issue, but can anyone just direct me to the right one

Hi there ! found this site very usefull and so decided to join the gang. hope it could help me resolve my issue with NatWest While i was a student i had a overdraft which was later turned into an unsecured loan by NatWest. i paid the full amount off in jan 2004 and closed the account cuz it was such a hassale. i recent seen my credit file and had a defult next to NatWest. i queried with NatWest and told them that i didnt receive any defult notice and can you please send me another original copy of it. they wrote back saying the notice was system generated and cant be reproduced. but i argued with them that thy didnt send me any default notice but got no where can any one please advice me where to go next and how i can get this default off my credit file. many thanks