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slyspy

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Everything posted by slyspy

  1. it appears to only be Equifax that allow these, and they must be contrary to law in some way. How can they possibly allow these specific table 1 searches to remain for 2 years, and be refreshed almost indefinitely
  2. car finance is one of the main sources of 'sub prime' finance, as they can secure the loan against the value of the car so it's lower risk, than a credit card for example.
  3. from my experience with Equifax, my last 2 defaults dropped off 11 and 9 days after the 6 year anniversary
  4. try McGuffick or Carey, forget which one exactly. There's plenty of information in the main Debt Collecting Agencies forum they can basically do everything apart from take it to court, and many DCA's are now winning the DJ lottery with spurious reconstructions.
  5. reporting to CRA's is one of the things they are allowed to do as the result of various rulings.
  6. Call Credit appear to have 72 months worth which is what Experian are moving to and I would expect Equifax to follow
  7. from May Experian will be doing this with all defaulted accounts showing up to 6 years worth of them (so potentially up to 72 Ds)
  8. Currently DCAs only show up to 3 years of payment history on current active accounts, from May Experian are updating their software to show up to 6 years worth of payments. The DCAs seem to be going out of their way, to screw things over for as many people as possible for me personally, this will mean my history which would have been flawless from July, will instead be trashed for 2 more years. details http://www.experian.co.uk/assets/consumer-information/brochures/cr-cais-online-amendment-system.pdf
  9. The default should drop off after 6 years from date of default, regardless of whether any payments have been made or not
  10. I'm guessing this is with Equifax ? Table1 searches with Equifax and DCA's is becoming ever more common, and a problem
  11. I'm about to launch formal proceedings against equifax over a similar matter and response statute barred debt, breach of cca years previously, search done at linked address when DCA had been contacting me for years at current one DCA response 'phone us to discuss this account'
  12. in my case the search is borderline vexatious despite the DCA writing to my current address in 2007, and being served with a CCA request they defaulted on, they did the table 1 search at my previous address in 2010, which will keep a linked address on my record, more than 7 years after I moved out. they have refused point blank to remove it, insisting that I telephone them to discuss matters (and we know how that will turn out) the debt is statute barred, but the default is still on my file, and will drop off in a few months.
  13. It appears that now equifax are going to allow DCAs to do table 1 searches at will, and what's worse will allow them to stay on your record for 2 years. this is absolutely ridiculous
  14. my credit record has been shot for 5 years, never had a problem with car insurance, other than the repeated annoying calls I get around renewal times, after once stupidly using confused.com
  15. which DCA is this? I've seen a similar argument recently from one of the pond life
  16. equifax are talking nonsense. you can only be defaulted once, and that lasts for 6 years. If defaults could be reapplied for a new 6 years by a DCA, you would reach the situation where defaults are never removed, as they would just be passed around all the time
  17. Cabot keep also messing with my equifax file adding/removing defaults (never changing the date though when adding) and switching between Cabot and Kings Hill. It's happened now about 4 times in the past year. They have now put 2 defaults on for the same account, so dispute raised with equifax.
  18. equifax removed the table 1 searches today as requested, took them about a month.
  19. equifax seem particularly bad at allowing dca's to do table 1 searches I'm currently battling with them trying to get some that are more than 1 year old removed (they state on their webpage that all searches are removed after 1 year) yet these DCA table 1 searches never seem to be removed
  20. I have had barclaycard place two defaults on my record in past last payment made in December in one case, January in the other in both cases the defaults were entered on the last working day of July, at least 6 months after the missed payments, with the corresponding 1-2-3-4-5-6 on the payment history.
  21. my employer will open all mail not marked 'private and confidential' it absolutely will not open those.
  22. surely this is the relevant section and from the final summing up
  23. given the venal way the premiership operates and the shady characters it lets control the clubs, they'd be only too happy to accept money from barclays even if it was stolen from the hands of starving infants.
  24. I have raised this issue directly (via a friend who is a google employee) with google's street view solicitors, and it is their view that there is nothing they can do to stop HFC doing this, and google's suggestion is to get your house taken off streetview.
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