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About Abrigadier

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  1. Hello GS, I can not obviously be certain here about accounts not being shown, I have an account that has never been reported on and was told there was no point in reporting accounts below a certain level, some companies don't report at all. Otherwise maybe the accounts have dropped off. You can try to look back at archived reports sometimes they shop on Equifax. Other companies just simply don't subscribe to the CRAs there is of course no obligation for them to do so. Brig.
  2. The situation here is that the CRA does not have any control over the data a creditor or a DCA supplies it is understood that the creditor or debt collector will provide information that is accurate and up to date, the CRAs have no facility to check the validity of data supplied. The route for resolving matters like this is:- 1, Access your file and place a dispute on the entry with all 3 of the main CRAs. 2, A formal complaint to the Data Controller and Compliance Manager of the company that has placed the entry. 3,Copy the letter to the CRA, Data Controller
  3. Hi The BRIG here. My apologies to anyone who is/was awaiting a reply from me, the tech problems a still causing trouble one e-mail account is locked and 60 posts on there I cannot access. Some posts are coming through on a new address. Brig.
  4. Interesting letter the mention of 6 year financial history a CRA is also quoting this now. The blank amount box was there a figure there? Discount often means Dodgy paperwork. Brig.
  5. Hello Boo, Just in case you did not seen earlier post This is the ORIGINAL BRIGADIER2JCS (Brig) I have been hacked my old e-mail account vanished and I was blocked from CAG so temporary user name in use. Brig
  6. HiDX, I was just going to post some info on CRA's I have been asking questions on the way data is seen by creditors etc. 1st the 6 years starts on the date of the last delinquent payment, that is usually 1 month after the last payment, this usually occurs when a default has not been satisfied. A defaulted account stays on the file and is or should be regularly updated by the creditor. The entry stays for 6 years and is usually removed automatically on the day after or overnight on the expiry of the six year period. It is wise to note that this event will not
  7. Unfortunate indeed but they tell the CRA what to place on an individuals file the the information given is supposed to be up to date and accurate, the CRA is unable to check the validity so the data subject must query the entry with the creditor/DCA if it is wrong, as you say the debt is not your s any way you can make a formal complaint to the DATA CONTROLLER at first credit and send a copy to the CRA )s) make it recorded delivery. BRIGADIER2 JCS
  8. CASPER you are most welcome any time!!!
  9. Also a debt that is statute barred can on an application to a judge be opened to trial, certain submissions such as continued contact in the six year period or overriding factors can be put before a court it is a mine filed for both claimant and debtor but cases do succeed especially when the claim is significant.
  10. Hi, Have you contacted your bank regarding the money taken from your account. If not report your debit card as compromised and request a new card and change of account number. Brigadier2JCS
  11. Hi Bazzooka Boo. The Brig the one and only original is still here technical probs and hacking the site team are trying to sort it out so I'm here as a newbie no reps no signature etc. Brig## CAN'T reply to your PM.
  12. The limitation is on court action a creditor can start court action but cannot get judgement if a court claim is issued even day before SB it can be processed. THE GUIDANCE IS JUST THAT SHOWING WHAT THE OFT CONSIDERED FAIR OR UNFAIR. I some circumstances a judge can allow action on an SB debt. BRIGADIER2JCS
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