Blackhorse are going to have a very bad day thanks to the Data Protection Technical Guidance Filing defaults with credit reference agencies (The definition of a default)

FIGHT AND WIN 1 REF-Black Horse Ltd /Account number XXXX/Loan/(Defaulted 02/2009)Start date 03/2004/Last know payment was round July 2005 /When will this account drop off my credit file eg 6 years from the default date or 6 year from the last payment made. Thank you for getting in touch. 1.Credit agreement information remains on your credit report for a period of six years from the date that the account was settled or defaulted, whichever occurs first. It appears on your report that the default date of your Black Horse Ltd account was on ##/##/2009, so the account will be removed from your credit report after six years from this date. 2 .I dispute that they can add a default after 4 years of non payments this is illegal. Equifax you know you can only hold account info that is negitave for (6 years)eg Law relating to debts: statute-barred debts/ this will start from the last payment made to the account not the default date that they have added,please (confirm what date you will be removing this data account from you files )as i wish to pass this account data and the way you are trying to fob me off to the information commision office and make a severe dispute 3.Data Protection Technical Guidance Filing defaults with credit reference agencies Accounts should normally be filed as being in default where those payments due have not been received for six months !!!NOT AFTER 4 YEARS CHANGE THE DEFAULT DATE TO SIX MONTHS AFTER THE LAST PATMENT MADE. Information Commissioner 4.LLOYDS A total of 5 default notices have been sent over a period of 12 months to the customer, the most recent being September 2006, therefore this will be the correct default date which has been updated on databases today. 5.Read the Data Protection Technical Guidance maximium 6 months of last payment make.September 2006 that is still incorrect i am passing my finding on to the ico have a nice day. 6.The company has investigated your query and have advised Equifax that the information is correct and should remain unchanged. Black Horse Ltd has advised us that the correct default date on this account is ##/09/2006. This information is supplied by the company and we are unable to amend it without their permission. We suggest that you contact the company directly if you need further information. 7.The default date should be around November 2005 Lloyds please confirm the last payment date that is showing on your records Then add six month's and that is the correct default that should be showing on this dispute 8.Black Horse Ltd has advised us that the correct default date on this account is ##/09/2006 9.Lloyds so you are saying the last payment made that is showing on your records is 03/2006 i dispute that date Lloyds please confirm the last payment date that is showing on your records this information will clear up this dispute 10.five default notices were sent to cust between june 05 and sept 06. Default date of ##.9.06 is correctly recorded last payment received was £####on ## May 2005 11.Lloyds said Last payment received was on the ## May 2005 THE CORRECT DEFAULT DATE SHOULD BE THE (## NOVEMBER 2005) REF lloyds needs to read (((((((((Data Protection Technical Guidance 2010))))))))))) Filing defaults with credit reference agencies (The definition of a default) 9 A ‘default’ can be said to occur as soon as a borrower fails to meet the terms of their credit arrangement. However, adopting this definition for credit referencing purposes would create difficulties since it is accepted that not all these defaults should be reported, for example, where weekly payments are late but are quickly remedied. Accounts should not be routinely filed as being in default where full payments or those due under a rescheduled agreement are fewer than three consecutive months in arrears. • Accounts should be filed as being in default where those payments due have not been received for six months. You must show the correct default date now or this info will be passed on the information commissioner office stating that you are not complying with the Data Protection Technical Guidance 2010 ref to Filing defaults with credit reference agencies with the time scale stated. 12.##/9/06 default date (does not comply) with the Data Protection Technical Guidance ref Filing defaults with credit reference agencies 13.LLOYDS SAID DEFAULT SENT Between June 2005 -----! Bylaw you can only default an account once,so the default in JUNE 2005 THE FIRST DEFAULT IS THE CORRECT ONE THAT YOU SHOULD BE SHOWING ON THIS CREDIT FILE not the last one. 14.Thank you for getting in touch. Black Horse Ltd ####### The company has investigated your query and have advised Equifax that the information is correct and should remain unchanged. This information is supplied by the company and we are unable to amend it without their permission. We suggest that you contact the company directly if you need further information. If you are unhappy with the way Black Horse has responded to your dispute or if you’ve been unable to resolve this query with the company directly you may like to forward the details to the Information Commissioners Office for advice: Information Commissioner’s Office 15. (JACKPOT)//////////Please advise customer we have amended our records to show default date as ##/06/05 16.Credit Agreement - Black Horse Ltd (I) The company has sent an updated response regards your dispute, we wish to advise that the default date is showing as ##/06/2005 on your credit report. We have created a new report for you so you can view this change.

Service user:lol:

FREE Equifax Credit Report™Cancelled --/05/10 FREE Equifax Credit Report™Cancelled --/05/10 FREE Equifax Credit Report™Cancelled --/04/10 FREE Equifax Credit Report™Cancelled --/04/10 FREE Equifax Credit Report™Cancelled --/04/10 FREE Equifax Credit Report™Cancelled --/03/10 Equifax Credit Watch™ Gold Cancelled --/02/10 It's the back door to a free report, it's a free 30 days trial thats the key to this loop hole##########################. Dam they closed the back door now Our records indicate you have already taken advantage of a 30-day free trial subscription to Equifax Credit Watch™ Gold. You may continue your order for Equifax Credit Watch™ Gold; however, you will not receive a 30 day trial at this time. If you feel you have received this message in error, please contact our Customer Care department at Equifax Customer Care or phone 0844 335 0550 (Calls will be charged at 5p per min) between 9am to 5pm, Monday to Friday

BAD NEWS We have an outstanding account as far as we are aware for the consumer, please advise the consumer to contact Ca~~~ financial directly to discuss the matter DON'T ANSWER TO THIS EG 6 YEAR RESET TO CLOCK. as far as we are aware/ dca don't do home work/ YOU CAN.

eg The footprints relate to lawful trace activity. However happy for the footprints to be removed. remove all data from all credit reference agency.============================================== We have not received a response to your query and have now removed this information. We have created a new report for you so you can view this change. The note previously added to your credit report, stating that your information was in dispute has now been removed. You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. If there’s anything else we can do for you, please let us know. Kind regards Equifax Customer Services======================================AFTER LIAISING WITH OUR TRACE DEPARTMENT WE WOULD REQUEST THAT ALL SEARCHES REGISTERED BY capquest ARE REMOVED FROM CUSTOMERS CREDIT FILE WITH IMMEDIATE EFFECT AS THESE WERE ENTERED IN ERROR.================================================== I acknowledge your comments regarding this dispute, I appreciate your frustration and concerns in trying to get this matter resolved. However this search is under dispute and the company have not yet responded to us, there is nothing more we can do. You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. If there’s anything else we can do for you, please let us know. Kind regards Equifax Customer Services=========================================== We have not received a response to your query and have now removed this information. We have created a new report for you so you can view this change. The note previously added to your credit report, stating that your information was in dispute has now been removed. You’ll find more information about your credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. If there’s anything else we can do for you, please let us know. Kind regards==============================================================================The company has agreed to remove this information and we can confirm this will not show on your credit report. We have created a new report for you so you can view this change. The note previously added, stating that your information was in dispute has now been removed THIS IS FOR EG PURPOSE ONLY

Try the 30 day free report ,remember to end before 30 days are up, then re-apply -end re-apply-ECT this is the back door to there system to get free reports for ? amount of years////use the online dispute for any dispute eg outstanding debt searches eg debt tracing on your file// I have 14 out 15 removed from my file because they can prove info or don't respond to the 21 days limit set by cra and it's a free service:cool:.

Equifax ONLINE £2 sta Your Credit - Know the Facts £2 Statutory Credit Report As a credit reference agency we collect public and credit data to produce credit reports and credit scores. These are then used by responsible lenders to make decisions about whether to give someone credit. But did you know you also have the right to access your personal credit information? £2.00 Order and see your £2 Statutory Credit Report instantly on the Equifax Website Click here to complete our registration process Please Note: We'd like to make accessing your Statutory Credit Report as quick and easy as possible. During the registration process we'll be asking you some questions to match against our records to prove you are who you say you are. It would help us if you have some of your financial information to hand, such as your mortgage details, credit and store cards, mobile phones, leases etc. You will not recieve a posted report. tutory report service faster

An 'Outstanding Debt' search shows that a company has carried out a search in an attempt to locate a customer. You will notice that there are two tables in the Previous Searches Section Table 1: (Credit Searches and Outstanding Debt Searches): Any Searches appearing in this table are viewable by Lenders and the number of searches recorded can affect your Credit Score. • Credit Searches remain on Report for 12 months but only affect your Credit History for the first 6 months. • Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time. Table 2 (Other Searches): Any searches appearing in Table 2 are only viewable to you and therefore do not affect your Credit History. The two types of searches that are viewable by others and therefore affect your Credit Score are Credit Searches and Outstanding Debt Searches. You’ll find more information about credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. 27/04/2010 INFO ONLY

An 'Outstanding Debt' search shows that a company has carried out a search in an attempt to locate a customer. You will notice that there are two tables in the Previous Searches Section Table 1: (Credit Searches and Outstanding Debt Searches): Any Searches appearing in this table are viewable by Lenders and the number of searches recorded can affect your Credit Score. • Credit Searches remain on Report for 12 months but only affect your Credit History for the first 6 months. • Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time. Table 2 (Other Searches): Any searches appearing in Table 2 are only viewable to you and therefore do not affect your Credit History. The two types of searches that are viewable by others and therefore affect your Credit Score are Credit Searches and Outstanding Debt Searches. You’ll find more information about credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. 27/04/2010 INFO ONLY

Table 1: (Credit Searches and Outstanding Debt Searches) Outstanding Debt searches remain in your Report for 2 years :eek::eek:and affect your Credit History for that length of time:???:

An 'Outstanding Debt' search shows that a company has carried out a search in an attempt to locate a customer. You will notice that there are two tables in the Previous Searches Section Table 1: (Credit Searches and Outstanding Debt Searches): Any Searches appearing in this table are viewable by Lenders and the number of searches recorded can affect your Credit Score. • Credit Searches remain on Report for 12 months but only affect your Credit History for the first 6 months. • Outstanding Debt searches remain in your Report for 2 years and affect your Credit History for that length of time. Table 2 (Other Searches): Any searches appearing in Table 2 are only viewable to you and therefore do not affect your Credit History. The two types of searches that are viewable by others and therefore affect your Credit Score are Credit Searches and Outstanding Debt Searches. You’ll find more information about credit report at: Equifax Online Help - Current Questions. If you have a question, you should find the answer in our FAQ section. If not, you can send us an online query, and attach your documents to it - no need to worry about them getting lost or delayed in the post. I hope you find this useful. 27/04/2010 ((((INFO ONLY)))))))