i have started to draft a poc can any one give advice i really have no idea what to write so any help needed In January 2008 my partner and I were unable to get a mortgage. We were declined by 2 mortgage companies. Lenders stated are applications were declined as there was a default account with an outstanding balance showing on my credit file. I obtained copies of my credit file which confirmed there was an account in default an outstanding amount for £2275 this account was with First National Tricity Finance LTD. This particular account was settled in 2004. First National Tricity Finance LTD did not update my credit report when the loan was cleared. I contacted First National Tricity by letter requesting a full Subject Access Request on 05.02.08 they did not respond and ignored my request. Breaching the Data Protection Act act, I reported this to financial ombudsman service who investigated this matter. In October I received all my account information. First National have since confirmed in writing this default was an error, apologised, updated my credit file then declined compensation. I sent a further letter containing all my credit file and evidence that this default has had an extreme negative impact on my ability to obtain credit. They contacted me via phone and stated that there was no such entry on my credit file and this default was never present I had made a mistake. I reminded them that they had wrote to me confirming there error and that this had been rectified by them. They denied all knowledge. They then contacted me via phone offering £50 compensation. I declined this offer and they refused to discuss this any further. I have been trying to resolve since Jan 2008. I have no other choice but to file a claim as they will not deal with my complaint. I have been advised by the FOS to start legal proceedings. Under section 13 of the data protection act An individual who suffers damage by reason of any contravention by a data controller of any of the requirements of this Act is entitled to compensation from the data controller for that damage.

im sorry can you help me i seen your comment about the 3 threads in one tried to fix my error clearly done it wrong do i need to start my thread again or shall i leave like this sorry thanks

HELP PLEASE !!!! I had an incorrect entry showing on my credit report. There is an outstanding amount for £2275 this was settled in 2004. [/font] First National Tricity did not update my credit report to this effect.. Instead they registered this on my credit file as a default. The account was registered as defaulted with outstanding balance of £2275. This have a exteme negative impact on my credit rating frm 2004 till 2008. See below for entry First National Tricity Finance Loan [/font] 60 @ £ 105 (Monthly) £ 0 £ 2,275 Current Balance £ 2,275 Status DEFAULTED Default Date 16.06.2004 Default / Delinquent Balance £2275 Consequences of this since 2004 I have been unable to obtain credit. I wrote to 1st nat and adv told them I wanted this removed and was seeking compensation in Jan 2008. They immediatly repled in the letter they admitted their mistake updated all my credit files apologised declined compensation After approx 10 months of argfuing with them they offered me £50 I have spent more on phone calls postage req credit files and stationary. I declined. I have reported this to FOS citizens advice buero etc they have advised me to take legal again I NEED HELP PLEASE. From the Information Commissioners Office website I am going to claim for distress damages section 13 Data Protection Act act. I need help with my claim please help!!! stage 1 particulars of claim where to start any ideas please?

i did they have told me to take legal action they cant do anything about though cause they were not regulated by them till 2007

what would you do

HELP PLEASE !!!! I had an incorrect entry showing on my credit report. There is an outstanding amount for £2275 this was settled in 2004. [/font] First National Tricity did not update my credit report to this effect.. Instead they registered this on my credit file as a default. The account was registered as defaulted with outstanding balance of £2275. This have a exteme negative impact on my credit rating frm 2004 till 2008. See below for entry First National Tricity Finance Loan [/font] 60 @ £ 105 (Monthly) £ 0 £ 2,275 Current Balance £ 2,275 Status DEFAULTED Default Date 16.06.2004 Default / Delinquent Balance £2275 Consequences of this since 2004 I have been unable to obtain credit. I wrote to 1st nat and adv told them I wanted this removed and was seeking compensation in Jan 2008. They immediatly repled in the letter they admitted their mistake updated all my credit files apologised declined compensation After approx 10 months of argfuing with them they offered me £50 I have spent more on phone calls postage req credit files and stationary. I declined. I have reported this to FOS citizens advice buero etc they have advised me to take legal again I NEED HELP PLEASE. From the Information Commissioners Office website I am going to claim for distress damages section 13 Data Protection Act act. I need help with my claim please help!!! stage 1 particulars of claim where to start any ideas please?

HELP PLEASE !!!! I had an incorrect entry showing on my credit report. There is an outstanding amount for £2275 this was settled in 2004. [/font] First National Tricity did not update my credit report to this effect.. Instead they registered this on my credit file as a default. The account was registered as defaulted with outstanding balance of £2275. This have a exteme negative impact on my credit rating frm 2004 till 2008. See below for entry First National Tricity Finance Loan [/font] 60 @ £ 105 (Monthly) £ 0 £ 2,275 Current Balance £ 2,275 Status DEFAULTED Default Date 16.06.2004 Default / Delinquent Balance £2275 Consequences of this since 2004 I have been unable to obtain credit. I wrote to 1st nat and adv told them I wanted this removed and was seeking compensation in Jan 2008. They immediatly repled in the letter they admitted their mistake updated all my credit files apologised declined compensation After approx 10 months of argfuing with them they offered me £50 I have spent more on phone calls postage req credit files and stationary. I declined. I have reported this to FOS citizens advice buero etc they have advised me to take legal again I NEED HELP PLEASE. From the Information Commissioners Office website I am going to claim for distress damages section 13 Data Protection Act act. I need help with my claim please help!!! stage 1 particulars of claim where to start any ideas please?

HELP PLEASE !!!! I had an incorrect entry showing on my credit report. There is an outstanding amount for £2275 this was settled in 2004. [/font] First National Tricity did not update my credit report to this effect.. Instead they registered this on my credit file as a default. The account was registered as defaulted with outstanding balance of £2275. This have a exteme negative impact on my credit rating frm 2004 till 2008. See below for entry First National Tricity Finance Loan [/font] 60 @ £ 105 (Monthly) £ 0 £ 2,275 Current Balance £ 2,275 Status DEFAULTED Default Date 16.06.2004 Default / Delinquent Balance £2275 Consequences of this since 2004 I have been unable to obtain credit. I wrote to 1st nat and adv told them I wanted this removed and was seeking compensation in Jan 2008. They immediatly repled in the letter they admitted their mistake updated all my credit files apologised declined compensation After approx 10 months of argfuing with them they offered me £50 I have spent more on phone calls postage req credit files and stationary. I declined. I have reported this to FOS citizens advice buero etc they have advised me to take legal again I NEED HELP PLEASE. From the Information Commissioners Office website I am going to claim for distress damages section 13 Data Protection Act act. I need help with my claim please help!!! stage 1 particulars of claim where to start any ideas please?

will you have a look at my thread please and help me thanks

HELP PLEASE !!!! I had an incorrect entry showing on my credit report. There is an outstanding amount for £2275 this was settled in 2004. [/font] First National Tricity did not update my credit report to this effect.. Instead they registered this on my credit file as a default. The account was registered as defaulted with outstanding balance of £2275. This have a exteme negative impact on my credit rating frm 2004 till 2008. See below for entry First National Tricity Finance Loan [/font] 60 @ £ 105 (Monthly) £ 0 £ 2,275 Current Balance £ 2,275 Status DEFAULTED Default Date 16.06.2004 Default / Delinquent Balance £2275 Consequences of this since 2004 I have been unable to obtain credit. I wrote to 1st nat and adv told them I wanted this removed and was seeking compensation in Jan 2008. They immediatly repled in the letter they admitted their mistake updated all my credit files apologised declined compensation After approx 10 months of argfuing with them they offered me £50 I have spent more on phone calls postage req credit files and stationary. I declined. I have reported this to FOS citizens advice buero etc they have advised me to take legal again I NEED HELP PLEASE. From the Information Commissioners Office website I am going to claim for distress damages section 13 Data Protection Act act. I need help with my claim please help!!! stage 1 particulars of claim where to start any ideas please?