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  1. Good evening all, I've done a bit of research trying to close accounts which led me to requesting CCA's to Cabot. I sent two for two different accounts which they took off Halifax (1 x CC & 1 x Current Acc Overdraft). I posted the following to them: Dear Sir/Madam Account No: With reference to the above agreement, I require you to supply the following documentation before I will correspond with you further on this matter. 1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the a
  2. Update on General data Protection Regulations due to hit in may 2018 There is a overt permission of Data Subject to consent to processing of data, so a CRA processing John Doe's data without him knowing could fall foul. Likewise a DCA. Full implications are not yet known http://www.idgconnect.com/blog-abstract/26688/what-gdpr http://www.idgconnect.com/blog-abstract/24273/gdpr-probably-won-decimate-businesses-leave-burned Discuss?
  3. Now considering the implications of the new GDPR this response from a well known recruiting agency could hardly be called compliant could it ? surely the default position would be to delete the CV if unsuccessful. If your application is unsuccessful, we will keep your personal data for up to 6 months from the date we notify you of our decision. (Note, we may keep your personal data for longer than 6 months if you have asked us to consider you for future vacancies – see ‘Will we keep your application on file?’ below). There may, however, be circumstances in which it is appropriat
  4. Hi All, A petition to regulate Credit Reference Agencies to make them take responsibiity for the rubbish data they hold, please sign and pass around https://petition.parliament.uk/petitions/212110/sponsors/new?token=uVL8zQ8UufpmcsmeBQ
  5. Hi, I am after a little advice, or pointing in the right direction. One of my children has a debt from Lloyds TSB (A loan taken out many years ago). Whilst she was talking about money she mentioned she has two DCA's but only one debt. She said she's been paying it for years, but it never really seems to go down. She has dropped the paperwork off for me to look at, and they are both debts for Lloyds. Different amounts, but she only had one loan. Is there a way to find out if it is the same debt or somehow different ones. One company is Lowell Portfolio, and the other
  6. Hi, For over 10 years I am on DMP. I started with the company who was charging me a lot for just collecting my DDR and distributing them to my creditors. I have over £ 50k in debt and pay £240 pcm. As me and my husband are retired that money is very needy. I was thinking of stopping DDR and try to sort out the debt. Could anyone give me an advice where to start? If I stop DDR can the debtors put a default on my accounts? after receiving numerous phone call a day I got myself into DMP with stepchange; recently I have discovered consumer action gr
  7. I noticed on my credit report some information that I disputed. I got a letter from the agency saying they had removed the entry while investigations took place. They later re-instated the entry, but not for 3-4 weeks. Is this normal practice? If it is, what is to stop people disputing all their credit file, and during the removed period, getting credit before re-instating of the entry takes place?
  8. Please would any member be able to assist with the following issue that I am having with Clydesdale Finance who have changed a default date with Experian Credit Expert which has greatly affected my Credit file. The issue is: I had had a debt that should have expired 04.01.16 after 6 years, I was eagerly awaiting this to enable myself to move forward with my own financial plans. I recently checked with Experian Credit expert to make sure that my score was still at 999 and that the expected bad debts would disappear from my personal report. I was amazed to see that my
  9. When I look at the "Debt Subforums" the top listed thread indicates that the last post on that thread was 13th September at 12.25 debtors chasing my BF]. if I then click on that thread there are 5 threads that came after that one. All of the 5 listed do not state the number of views or replies and the dates of the last post on all of them is at least 1 day earlier than the actual ones. This can cause problems both for the original posters,possible posters and the team who may not realise that extra unrecorded posts have been added. I appreciate that there are so many posts each day
  10. The following attachment contains guidelines on filing defaults with credit reference agencies. It was published in 2007. guidance_on_defaults.pdf These guidelines have now been superseded by a new set which apparently have been drafted by the credit reference agencies themselves but with approval and apparently "close involvement" of the information Commissioner. high_level_prinicples_document_final.pdf You can spot the difference because the original 2007 version is on information Commissioner headed notepaper and the information Commissioner claims responsibility for it.
  11. In 2011 I opened an Argos card account and have never missed a payment or paid late. With that in mind, last year due to personal circumstances I have defaulted on a financial arrangement with a different organisation. Upon checking my credit file regularly I have seen that Argos are reporting that my account with them is showing; The account status is currently under review due to a query. Argos have been reporting this same status since May 2015 - long before anything else went into arrears. Are they allowed to do this and if not, what course of action can I take again
  12. Hi All, I am trying to get any information possible on the removal of Settled Accounts that were in good standing from the main credit agencies. I used a well known payday loan company back in 2013 and rolled over the loan a few times and always paid early and in full. Never late and no negative info at all. However fast forward 3 years , I am trying to secure a mortgage and have been refused due to having 6 entries from a specific payday loan lender. Even though they are all settled and paid and closed they underwriters see that as there were 6 entries, that I am a risk !! I
  13. I'm new here so not sure if I'm posting this in the right place. I need some advice please regarding two old debts. One is a CCA debt, a loan originally taken out with Sainsbury's Bank well over ten years ago now. We defaulted on this loan around 2008 I think. Sainsbury's started court proceedings and wanted an order for sale of our house to which I responded that we had other creditors so it was unfair to them. I got advice from a credit counselling service and she said to offer token payments to all creditors. A few years back we received a letter from
  14. A cagger has asked me to start a thread in respect of complaints against Credit Reference Agencies. The Link below is to an American article. http://www.housingwire.com/articles/34870-cfpb-complaints-against-credit-reporting-agencies-rise-sharply It would appear that complaints there against CRAs has risen considerably. Two of the 3 most complained about agencies are Experian and Equifax. I seem to recall that we have had several complaints about CRAs on CAG - one that comes to mind is where an Agency provided credit information to someone they shouldn't
  15. Illegal EM technology use by collection agencies ======================================== USE OF ELECTROMAGNETIC RADIATION TO SPY and HARASS (Cant post links yet but will soon ... See websites/links for details on the possible technology being used) ============================================ Websites and links: - Use infrared and microwave image mapping and spectral reconstruction to invade privacy ... entire home mapped and monitored - Monitoring is 24/7 and includes all family - EM brain monitoring device which stores brain activity patterns and uses
  16. I have a question for you legal eagles, but first an outline. Recently there was a case of a DCA trying to collect CC debt of £3000 escalated to £8000 by interest. There never was an agreement, only an application which has never been found or presented in any form A DCA tried to obtain this debt by threatening court action. The chap replied do your worst. Court action started. The DCA then sent him some interest summaries and a Credit card agreement between him and a company he had never heard of. This agreement was undated and unsigned. They threatened to
  17. Hi everyone, On 01 April 2015 I paid Cabot in full for an old credit card debt. The debt still remains unchanged on my credit file. I sent Cabot 11 emails asking when the CRA's will be updated. All 11 emails have been ignored. I disputed the debt with Experian and Equifax. Cabot informed Equifax that the debt was settled in full on 18th April 2015 when in fact it was 01 April 2015, and said it will be updated in May. I eventually called Cabot previously Marlin, and the advisor states they update the CRA's on 25th of each month. [removed
  18. Hi All, i was after some advice. I have an outstanding debt with NPOWER, and since the 8th March 2015, have had 3 different letters off 3 different debt collection agencies over this same debt. One of them has even called at my house. Is this legal, can 3 firms chase the debt at once? I am not sure which one I should be paying because in a 3 week period, 3 companies have chased me over this debt. The companies are:- 1)Wescot 2)Fidelite Credit Management 3)Moorcrofts Thanks for any help.
  19. Why does Noddle insist on using a Credit Card for identification purposes but will not permit you to use a prepaid credit card ? My reason for using one of these for online purchase is that there is only so much financial damage that a thief could do if I were to lose it or they obtained the details. IMHO, I do not see why Noddle would want credit card details anyway as it is supposedly free ? My question is - if someone doesn't have a regular credit card, are they being discriminated against ?
  20. Hi All, I have various debts that are being handled by agencies. I have a limited company that I stupidly set up a bank account for with Natwest. I say stupidly because they held my personal account too. I had an instance of fraud on my company website and had to refund a customer £160. This came at a precarious time in terms of cash flow. As a result the account was thrown into debt. Natwest decided to close both my personal and my business accounts at the same time because of it. I also owe worldpay who were my gateway service providers for my websit
  21. Looking for a letter to send to the credit agencies to dispute a default on my file.
  22. Can someone please advise, out of the 3 main agencies, which one is the most reliable. So far, hubby has received responses from Experian and Call Credit. Experian appears to be the most up to date - with Call Credit showing stuff that should have been long removed ? Just waiting on Equifax.
  23. Some may want to take a look at this www.lendingmetrics.com Had some dealings with the company today.
  24. Okay - I'll try and keep this simple to avoid boring people. In 2011 I returned home from a tour of Afghanistan. I was greeted with some letters from O2. I called up the customer service team explaining I didn't have a clue what was going on. I was promised that this would be looked into, and they would get back to me. They never did. I assumed it was over and done with. From that date letters from a load of debt collection agencies came to my mothers address (I lived on an Army camp). I assumed this was spam and never followed it up. Then in 2013 I got a
  25. Hi everyone. I've been a member here for a while and have read some good advice. I haven't posted before as I didn't have much to contribute (there's plenty of wiser and more knowledgeable posters than I!) but I do have an issue that hopefully one of you wiser heads can help with. My sister recently got a letter from a Debt Collection Agency claiming she owed almost £2k to EE which had now sold the debt onto the DCA. I advised her to check with the DCA and EE - as well as her credit files. Eventually she found out that someone had given her name, date of
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