it is worth mentioning that as of today I have still not had any communication from 1st Central regarding the removal of the Default Notice from my credit report or that I now have a balance due of £104 in place of their removed error arrears of £479

Experian has also now confirmed that they contacted 1st Central on my behalf and that 1st Central confirmed the Defult Notice and late payment were recorded in error, see email details from Experian below: - Hi xxx, Thanks for getting in touch. I hope you're well today and appreciate your patience whilst I look into your query. Credit Report Data I can confirm that the default status on the 1st Central account started on 22/10/2020 was removed and the balance updated to £104 outstanding on the instruction of 1st Central after we disputed the entry on your behalf with them. This is the exact reply they gave to the dispute we raised: "I can confirm the late payment and default markers have been recorded in error and can be removed. The policy needed correcting which I have done and there is a balance on the policy of 104.17 Any further markers recorded from today will be correct and will not be amended or removed." If you need to know more about the balance of £104 you'd need to contact 1st Central about this directly to ask them. Their contact details are: 1ST CENTRAL INSURANCE LTD : GEMINI HOUSE, MILL GREEN BUSINESS ESTATE, MILL GREEN ROAD, HAYWARDS HEATH, RH16 1XQ

below is an email from Experian confirming I should have access to my SAR in 7 days from them File Applications <[email protected]> 14:36 (14 minutes ago) to me Thanks for requesting access to your Experian data - we're just going through your application and information now. So, what happens next? We'll email you in the next couple of days to let you know we've sent your Passkey in the post, which you should get within seven working days. If you don't get your report or Passkey within seven working days, just let us know at [email protected] and we'll look into it for you (don't forget to include your name, address and reference number, which we gave you when you signed up to access to your data). Thanks The Experian Team

Hi just checking to see if what I have uploaded for the impact 1st Central has had on me and my family is okay, do you need me t make any changes

Hi I have gotten some help with this spacing and putting together how 1st Centrl has impacted me and my family in terms of distress/stress, distress for my family, financial impact, and my dyslexia COSTS - The situation has been ongoing since April 2021 until the present day. - The costs incurred include: - Time: Dealing with this issue has consumed a significant amount of time. - Mental health: Being a young adult struggling with money, the constant harassment from multiple debt collectors has taken a toll on my mental well-being. - Potential loss of a home: Unfairly placed default notices on credit reports could prevent obtaining a mortgage, jeopardizing the opportunity for me and my brother to secure a home. - Hindered opportunities: The default notice against my name is hindering our ability to obtain a favorable mortgage, delaying our plans to acquire a desired property. - Impact on family: - My mother has been repeatedly involved in defending me against debt collectors and supporting me through this ordeal. - Despite assurances from 1st Central to cease harassment, the debt collectors have persisted, causing distress to my family. - Assertion of innocence: I maintain that I do not owe for an accident I have proven not to be involved in. EMOTION & DISTRESS: - - Since April 2021, I have been under significant distress. - Initially accused of being in an accident I was not involved in, leading to confusion and fear. - Was a student struggling financially at the time. - Sold my car, but was informed by 1st Central on 19/03/2021 that to cancel insurance, I would need to pay £479. - Agreed with 1st Central to put the payment on hold until the investigation concluded. - On 01/04/2021, 1st Central passed the debt to CRS Collections Team, despite the agreement. - Despite informing 1st Central of the harassment and distress caused, the harassment continued. - Data confirmed that 1st Central was aware of the distress caused since 6/4/21. - Debt collection was told to stop by 1st Central but continued harassing the individual. - Threatened with court action regarding the debt, causing further distress. - Harassment extended to the individual's family members, impacting my ability to secure a favorable joint mortgage. DYSLEXIA - Leverage dyslexia: Use dyslexia as a legitimate reason to emphasize difficulties exacerbated by the insurer's treatment. - Insurer awareness: Express desire for insurers to acknowledge awareness of dyslexia. - Timeline of awareness: Dyslexia noted in the insurer's records since 26/2/21. - Effects of dyslexia on understanding: Difficulty comprehending text passages due to dyslexia. - Harassment impact: Insurer's harassment for money, debt collection threats, and constant communication heightened distress and confusion associated with dyslexia. - Confusion over demands: Dyslexia contributed to confusion over unjustified monetary demands from insurer right from policy cancellation through to and including post-investigation. - Impact on concentration: Dyslexia made it challenging to focus on university work, rugby, and daily tasks amidst harassment. - Switching off: Overwhelmed by harassment, tendency to disengage due to dyslexia, negatively affecting livelihood and academic performance. - Difficulty reading text: Dyslexia compounded confusion over harassment emails, letters, and calls. - Credit score impact: Dyslexia exacerbated confusion and stress upon discovering default on credit score, leading to sleepless nights and heightened stress symptoms.

Hi Bankfodder. I have emailed Experian and asked for the letter from them I have also asked the questions about the amendment being 1st Central or them I have also made the SAR request with them I also asked what the £104 outstanding balance is when I first saw £104 I assumed that this was the corrected cancelation fee for canceling my car insurance policy back on the 19/03/21 when I sold the car at the time of canceling the alleged incident was being investigated and they quoted £479 to cancel the policy because of this allegation, I refused to pay that as I knew I was innocent of the charges

thanks, Bankfodder, my statement and impact were the big blocks of information I previously loaded, I have taken on board what you said about the previous way the information had been set out, this was my mum's handy work , I will get her to look at what I have uploaded and see if she can break it down better for the upload for you to see how I have been impacted and affected by the handling of my data by 1st Central I will look to get this re-loaded tomorrow for to see.

Hi there has been another development about the Default Notices on my credit file Late Friday night I contacted Experian and told them I disputed the notice on my file placed there by 1st Central They have dealt directly with 1st Central and are going to manually remove the default notice on my file The amount is going to be changed from £479 to £104 I have not had any communications from 1st Central regarding the removal of the default or the change of amount to cancel the original car insurance policy Will this change on my credit file leave any action against 1st Central for the use of my data? On Friday night Subject Ref: - RE:Data Query Notice of Correction (NOC) On Monday I received the email below from Experian Today I received the email below from Experian

okay how does this first paragraph look to you How it has affected you in practical terms such as credit etc · I have been affected due to the Default Notice being put on my credit score having implications on my mortgage options · I first became aware that there was a Default Notice in January this year and that it had been there since July 2021 · I started looking into mortgage options with my mortgage advisor, who told me to check my credit score as this will affect the likelihood on whether I will be accepted for one · When I checked it to my utmost surprise my credit score was very poor; this didn’t make any sense as I have never missed payments on anything · Checking in more detail it flagged that 1st Central had put a Default Notice against my credit for the £479 in July 2021 · This was before the investigation was completed in October 2021 and also while the ‘debt’ was meant to be on hold till the investigation was complete · The debt was placed on hold in April 2021 to complete the investigation, but this was ignored by 1st Central Debt Collection and their collection agencies who had to be reminded several times to stop · Not only was I harassed from April 2021 until now for money I did not owe, but also my credit score was negatively affected by 1st Centrals inability to process my information correctly by logging a Default Notice while the investigation was ongoing and had been told to hold on. · The Default Notice has now impacted me as based on my mortgage advisor’s evaluation of the effect of the Default Notice he has said “The default on your credit file will cause you issues on getting a mortgage as this will mean higher interest rates and higher monthly payments. Also, as you are looking to buy with just a 5% deposit this will significantly reduce the lenders available to you.” · Based on this, due to the Default Notice, I am at risk of even being able to get a mortgage and even if a lender will lend to me, it will be at a significantly higher interest rate, all because 1st Central had failed to process my data correctly and Defaulted me with credit agencies for a sum of money they are not due. [Attached is the email from my mortgage advisor]

is it like bullet-pointing what I have loaded?

Hi Bankfoder, Yes, on 13 February I received all data (SAR), my apologies I did write on this form on 13 February that I had received it, you asked me at that time to do the Court File and to upload the index for it which I now have, there is a load of information in the SAR received from 1st Central that shows their breach of my data, I have used all of it to make up the court file which is indexed in the attached PDF file. The 'timeline' I gave in my last message sets out the whole saga in date order. I have freed up my weekend so that I can be at the end of any conversation to upload anything you want me to from the Court File I have prepared. 115 pages

Hi, I know it's been a few weeks but I have now finally put together the Court File, not been easy with my dyslexia, but I was determined to understand everything my mum has dealt with so far on my behalf with 1st Central, I now know ever page in the file. Below is a timeline of events, and attached is the court file index. TIMELINE Date Description 21/02/2021 Alleged Hit & Run 26/02/2021 TXXXX KXXXXXX advised about the alleged incident and denied any involvement, the false claim didn’t happen. The car is for sale with no damage, provided photo evidence, and removed the car from sale because of the alleged incident 11/03/2021 Injury Claim added to the alleged incident 1st Central advised TXXXX KXXXXXX can go ahead and sell the car 19/03/2021 the car has been sold, asked to cancel the insurance policy Cancellation cost £479, told has to pay rest of year because of claim; refused to pay, would settle outstanding balance once the investigation was complete 01/04/2021 OUTSTANDING BALANCE £479 referred to CRS COLLECTIONS TEAM 06/04/2021 TXXXX KXXXXXX asked CRS, told them they should not be chasing the £479, as on hold while 1st Central Investigate allegation CRS questioned 1st Central regarding the hold on the balance £479 09/04/2021 1st central tells CRS to hold the file while the investigation ongoing 23/06/2021 1st Central Debt Collection Team - sent a letter to TXXXX KXXXXXX - the threat of Default Notice; chasing Outstanding Balance £479; Default Notice deadline 20/7/2021; 27-day notice and will also file data with Credit Reference Agencies TXXXX KXXXXXX called 1st Central. Why were Debt Collections chasing £479, threatened default notice, all should be on hold while the investigation is in progress, Customer Service said it was most likely an oversight and transferred to Claims 1st Central Account told to stop chasing debt till claim investigation closed 15/07/2021 DEFAULT NOTICE logged with CREDIT REFERENCE AGENCIES [should not have been logged as default with credit agents, 1 still investigating the allegation, 2 their letter said they would not do this till 20/8/2021] 16/07/2021 1st Central Debt Collection - FINAL DEMAND - Notice of Default; pay in full by 20/08/2021 or they will file DEFAULT NOTICE about TXXXX KXXXXXX with Credit Reference Agencies TXXXX KXXXXXX called 1st Central again why FINAL DEMAND - DEFAULT NOTICE received from DEBT COLLECTION again 1st Central communication with CRS stop chasing immediately as per instructions 23/6/21 debt on hold 07/10/2021 Third Party Solicitors closed Claim, TXXXX KXXXXXX not at fault 01/12/2021 Letter from 1st Central confirming no claim on TXXXX KXXXXXX's insurance policy and no claims discount reinstated 13/09/2023 CRS Collections resumed chasing the outstanding balance £479; Letter - POTENTIAL FURTHER ACTION 20/09/2023 TXXXX KXXXXXX called CRS disputing £479 balance, CRS transferred the call to 1st Central Ticket raised with Primary Response Team for back-dated premium non-fault claim 08/11/2023 1st Letter received from AJJB Law, Debt Collections Agent, chasing outstanding balance £479 - IMPORTANT - POTENTIAL LEGAL ACTION 14/11/2023 TXXXX KXXXXXX Called AJJB disputing £479, said they would speak with 1st Central 01/12/2023 AJJB advised £479 was due as the policy was canceled mid-term, didn’t matter about a claim or not being investigated, disputed again 02/01/2024 AJJB, claim they sent TXXXX KXXXXXX a Letter Before Claim which he did not respond to TXXXX KXXXXXX called AJJB and advised no Letter Of Claim was received and also still waiting for an update from 1st Central from them confirming £479 was incorrect 10/01/2024 AJJB raised the issue with 1st Central on 2/1/24 and will advise once they have heard back from them, and offered 25% discount if I paid in full 16/01/2024 AJJB advised next stage County Court Claim Form be issued if 1st Central says £479 is due 29/01/2024 Data Request made from 1st Central Abbreviations List.pdf CRS Data.pdf Index.pdf

Hi all, apologies for my silence over the past 10 days, as you know I was settling my girlfriend in Amsterdam for her second semester out there as a 3rd-year University exchange student in Clothing Design, when I got back I have been very busy as I have applied for my second degree at University in Illestration, my UCAS applications had been accepted, and have had a busy week getting my art portfolios together and uploaded to the various Universities I have applied to, fingers crossed at this time that I get into Edinburgh my first choice. The good news is that as of this morning 1st Central has emailed a zip file with all the data requests. Mum and I have had a run through them and are pleased to advise that they have noted that the debt should have been on hold from 23 June 2021. there are loads of details about all the calls mum made to them and each time they not actioning what they told her they would, I must say it was nice to see that mum didn't imagine all these conversations with them and they it was 1st central who dod not do what they said they would and shouldn't have put the default notice on my credit file on the 15/7/21, I cant express the relief I saw in mums face when we found this instruction for the debt to be placed on hold till the conclusion of the investigation, she really was thinking that she had imagined the details. BankFodder you asked about 1st central awareness of my dyslexia, in the report created for the case it is quite specific about my dyslexia and my mum dealing with written and read details for me because of it the zip file is big how do I get the data information to you Account Notes - White Label_Redacted.pdf

I will do, we flew out early yesterday, getting our bearings around her new campus and home for the next 6 months, and will start making some notes, I know it had affected Mum in a bad way so will get her to write up a few notes for you as well.

okay will get onto this when I get back to the UK on Tuesday