That looks pretty good. I was going to send this and also contact equifax about it. Would I be better to send the S.10? You have failed to supply me with any details about the account XXXXXXXXXXXXXX as requested in my letter dated 25/01/2012. section 78 request (CCA 1974) requests a 'true copy' (reg 3(1) CC(CNCD) Regs 1983) of an original agreement. Since you are unable to provide me with and I have no knowledge whatsoever of this debt, I insist that you remove any record of this account from my credit records immediately. Should you fail to do this within 14 days of the date of this letter I will report the matter to the Information Commissioners’ office. Regards,

Thanks, I just had a look and the ICO and they recommend that I should contact the DCA. Should I write to them demanding that they remove the default? Is there a template for this and should I give them a timescale? Many thanks, Ted

Hi, I've sent s SAR to 1st credit ove r40 days ago but haven;t heard anything. Can anyone tell me what my next move is in getting this default removed? Many thanks, Ted

Thanks. That was my intention. I'll write back tonight telling them to remove it.

Hi, I have a default on my equifax record from 2007 (lst updated 2008) registered by 1st credit. I have no idea what it is from, and sent them a SAR to find out. They came back to me saying they can't find any records from me and can I tell them the account number I'm talking about. I'm a bit peeved at that as I don;t even know what the account number is. I've never had an account or any dealings with these people. I'm guessing they bought up a debt from years back that has long since been settled or barred. There is a four digit reference on equifax, and I'm wondering whether to quote this? Is my next step to write to them and demand that they remove the default? many thanks, Ted

Just to keep people in the loop about these gits, I thought I'd update this. 1st credit or equifax have provided zilch in the way of proof that this debt even exists. Equifax still refuse to remove the default. Copies of my e-mail exchnage below: Hi, I am writing in reference to the question I previously asked about this account. Despite more than 28 days passing I have still received no correspondance from the party alleging the debt. If first credit have sent a valid agreement and statements to you, could you please let me know and send me a copy. If not, could you please remove this illegal default from my record. By perpetuating it Equifax continue to support my financial defamation with no supporting evidence whatsoever. Since 1st credit have already had over 28 days to produce this evidence, I see no other option than to report both 1st Credit and Equifax to the financial ombudsman and information commisioners office within the next 48 hours, unless the default and all related data is removed. Kind regards, Ted Dear Ted Thank you for getting in touch. This query was raised with the company on your behalf under incident number and has now been closed. The following response was received: "We consider the information to be correct and have requested a copy of the agreement and statements from Barclaycard which will be forwarded to the consumer for his comments." As we are unable to amend this information without the company's permission you will need to contact them directly at: 1st Credit Ltd Phone: 0870 1642040 Address: P O Box 278 Reigate, Surrey, RH2 7WB If you don't receive this within the next 28 days and wish to complain further, you can contact the Information Commissioner's Office. I've enclosed their contact details below: Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF 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 Hi I have already contacted 1st credit and have received nothing in the way of evidence that this debt exists. Equifax themselves have also asked 1st Credit for evidence that this account exists (please see my other Equifax question) and have received nothing. Since Equifax insist that you are unable to delete the completely unsubstantiated, unproven and illegal record from your database, I am left with no option but to report you to the financial ombudsman and the information commissioner. Just out of interest, why did Equifax bother to contact 1st credit on 15/07/2010, asking for a copy of the agreement and statements from Barclaycard if you intend to do absolutely nothing about it when they have been unable to supply you or I with them? Do you perpetuate all financial defamation in this way? regards, Ted I can't believe they are refusing to take it off despite no 1st credit being completely unable to produce a thing! I guess this is going to be a long and tricky path. Any suggestions on what to do next? I'm hoping the information commisioner might help me out! thanks, ted

Hi all, Well the 28 days have well and truly passed and I have heard nothing. what is my next move? do i write to Equifax and demand that they remove the default? Could anyone give me a pointer on what I should write? many thanks, Ted

Well equifax relied quickly... Dear Ted Thank you for getting in touch. The company has requested a copy of the agreement and statements from Barclaycard which will be forwarded to you. If you don't receive this within the next 28 days and wish to complain further, you can contact the Information Commissioner's Office. I've enclosed their contact details below: Information Commissioner's Office Wycliffe House Water Lane Wilmslow Cheshire SK9 5AF 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 So I guess I have to wait till 28 days is up, then get in touch with this office? Is there anything else I should be doing? many thanks, ted

I'll send the SAR. In the meatime i sent Equifax this: Hi, Thanks for you response. Despite 1st credit telling you that they have "investigated" the matter, and that the information is correct. I certainly don't consider it to be. I do not recognise this debt, I have never received a default notice. There is no proof of anything here. for a default to be issued a compliant default notice has to be issued. I have never received one. By not doing so, 1st credit have financially defamed me, and Equifax are perpetuating the defamation. If they are unable to prove that this debt exists and that they have sent a compliant default notice within the next 28 days, I insist that this illegal default be removed from my file. 1st credit are aware of my query from the correspondence above, but I will also contact them directly to ask for proof of this debt and default notice (both of which I categorically deny!) I look forward to your response. ted Thanks for the help. I hope this works, although i think it might be a long bumpy road.

Hi, I've just got this from equifax. They have closed my query! Dear ted Credit Agreement - 1st Credit Ltd (I) 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. The note previously added 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 But they haven't investigated it at all! they have just said they believe it's right and have contacted Barclaycard for the files (see below). it's all just on their say so, but I have NEVER recieved a default notice! What do I do next???? Help!

Thanks! I have the evidence that you knew about this from the CRA when the e-mail was sent, but do you think i should send 1st credit a recorded delivery letter directly too? Cheers, ted

Well equifax replied. By the look of it they have contacted 1st credit, and this is what they have sent to me: Response (Administrator) We consider the information to be correct and have requested a copy of the agreement and statements from Barclaycard which will be forwarded to the consumer for his comments. Auto-Response Dear Ted Thank you for your recent query reference number xxxxxxx. In order to resolve this query we have engaged the company in question to examine their data. This process can take up to 28 days, but as soon as we have an update we will let you know. You can view your query's progress by clicking the link below: Sincerely yours, Equifax Disputes Team So what do I do now? wait for a response? Is there any time limit on this? is there anything else i should be doing? Thanks, Ted.

I just sent equifax this: Hi, I recently re-visited by credit report. I was shocked to see a default for the above account. This did not appear on my report several months ago when I last accessed it. The default was registered in 2007. I have never recieved a default notice for it and do not recognise the debt. Could I ask you to remove the default as there has never been a default notice for it and I do not recognise 1st credit or owe them any money. Many thanks, Ted. Fingers crossed.

Thanks I'll look into it. I'll also write to equifax asking them for the default notice. Thanks, Ted

Hi, Thanks for your reply. Sorry. I'm not really sure about this. I take it I should have been issued with a default notice? I can ask Equifax for a copy of that? Or should I ask 1st Credit. Thanks, Ted