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tripspace

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About tripspace

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  1. Hi, Yes I agree, but it needs to be settled which is the whole point. I won't be accepted unless I've proved the debt has been repaid. Thanks.
  2. Hi, Thanks for the advice, but the account isn't showing as settled after this was paid 9 months ago. So I guess there really is nothing else to be done, but wait until the FOS makes it's decision again.... Thanks.
  3. Hi, Thanks for the response. I wasn't aware this is no longer the guidance, I was just following the info for best practice posted on the ICO website. The ruling means the default will not be removed, but closed and settled due to full and final payment. This wasn't done. So for the last 9 months, I've had an open default on my file. It will fall off in January, but in order to progress any further financial applications this will need to be closed (according to the Mortgage Adviser). As a result, I'm in a position where the FOS has told them to correct the file, but th
  4. Hello all, I was hoping someone here can help me regarding this issue. I took out a loan in 2011 with a Credit Union in Scotland. They have defaulted my credit file with the wrong info, including amount, default date and address. I've had both the ICO and FOS involved in this matter and am now tearing my hair out to get it resolved. A high level timeline of events: In August, I contacted the CU about the default and they gave no indication that this would happen. It was also not reported for 4 years after the fact. In September, I paid outstanding amo
  5. Excellent. Thank you all. The only reason I was confused is because I have been making payments, but if the file is going to be closed and disappear anyway next yearish. Lets be done with it My next thing to argue with them is when the default occurred.... cause the account was opened in 2011 and i'm pretty sure it hit default before 2012. Even quicker. Cheers all.
  6. Hi all, Thanks for the advice.... so the plan of attack is to clear and close the account on the 21st. Although i'm in two minds if I should bother paying it off now, since it will fall off anyway. So just for complete clarification. If I pay this off and close the account, it will appear closed and as a result the original default in 2012 or whatever will fall off. Will the whole account disappear from this date in 2018? Thanks.
  7. Hi Silverfox, This is something I can totally live with. if I pay off the debt say tomorrow. Although I haven't been making their "acceptable payments" the default / account will only last from the April 2012 period? Meaning that the attached will fall off? Essentially they are still reporting default each month. So this is why the above is really confusing. Also I thought, if you closed and account... that reset the timer on the account? If that's not the case, I have a credit card with a number 3 (that I am waiting until next year to fall off) for
  8. Hi all, First off, thank you so much for the responses! It is really appreciated. Dx100UK & Martin2006 The owner for the entry is Glasgow Credit Union and the DCA is C&L Collections. SilverFox1961 They informed me the credit hasn't actually been sold - but this is a debt recovery company they use to recover the funds. The account was escalated to C&L in April 2012 apparently. The default has been put in place continuously for 5 years.... as apparently I haven't paid the "£64" that was supposed to be paid. Therefore it is a continu
  9. Hi thanks for the reply, the date is for September 2012. It was transfered to a DCA in April 2012.
  10. Hi all, I was wondering if someone could please share some knowledge on this. Also please be kind A friend told me about this forum I checked my credit file and found that an old loan (which I am still paying off) has appeared. This was originally a Credit Union loan, which was closed in April 2012 and then transferred to a Debt Collection Agency. Since this has occurred I made a small amount of payments and finally agreed to £20 once I got a decent job. I actually was planning on paying this off this month, ironically enough! However, the Union has defa
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