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Found 17 results

  1. On Equifax in green it says i have been on the electoral roll for 13 years and it is green, but then next to it in red it says currently registered on the electoral roll no. What does that mean?
  2. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong to me, i tried every avenue possible to get this mistake sorted for a second time but eventually i ended up going to the newspapers and the FOS who then sorted out the problem with Lloyds and Experian with a pathetic £250 compensation, even though id spent 10 times this on phone calls and writing letters/emails etc . Now in 2018 this has all happened again, i have checked my report from all 3 CRAs and Call Credit and Experian are showing defaults, CCJ, addresses i have never lived at, they have even changed my electoral roll entry without any instruction by myself or legal documents to do this. All of this wrong information is for a person with the same first and last name as me and also the same date of birth, however this other person has a middle name and i do not. I received a letter from 02 on the 19th of March chasing a debt for this other person, i immediately checked my credit report, and there it was, 02 had already linked me and the debt/account to my address without doing any checks whatsoever to see if i was the correct person, i DONT have an account with 02. There is then the other accounts from 6 other companies in default that i have never had accounts with and a CCJ which i dont even know what it is for , i just know none of these belong to me as ive never missed a payment on anything or had any dealings with these companies. I have disputed all of this with Call Credit but they refuse to remove all of this wrong information, i have not spoke to any of the companies involved as from past experience they will not speak to me due to data protection when i say i am not the person they seek, but they also dont resolve the problem either, i have since joined checkmyfile and they are trying to sort things out with call credit , but say i have to sort out this mess with Experian myself. I am seeking advice as to what to do next, to be honest the companies reporting all of this wrong information in my eyes need to pay, i am busy renovating my home and considering an extension as my wife is 8 months pregnant but i am now reluctant to apply for any loans/remortgage etc as i know i will be turned down, and as you can expect for this to happen a 3rd time my stress levels have went through the roof. Companies listing defaults on my report who i have no dealings with at all and ruining my credit report because of there incompetence to check they have the correct person are: Lloyds Bank (again) Lowell Vanquis Bank Capital One Hoist Portfolio Home retail group 02 ( who reported and made the link with callcredit , even though this serial debtor has paid his bill now, so is not showing as a default, but its now to late as they have done the damage) Thank you kindly to anyone that can help. Luco19
  3. Have had a reason to check my Credit Rating with 3 CRA's it appears my address is different slightly to that recorded on the Electoral Roll. I have asked the Council to Amend the address which they have confirmed they will do, but it will not happen with the CRAs until March 1st as I have just missed the cut off date. I did not tell the Council that the reason for the amendment was because the CRAs have the wrong address and they tell me they automatically advise CRAs with new or amended addresses without permission from myself.. Like millions of people I have advised the Council that I do not want any commercial organisation to have access to my address. To my way of thinking CRA's should not have access to any address without permission of the person concerned. Apparently Electoral Roll Registration can affect your credit rating. Does this sound correct?? FS
  4. Put this here as seems most likely place feel free to relocate: Query about the threatening letters being sent out to residents who are still minors by Elections at Portsmouth City Council filled my electoral roll form including daughter as she is just 16 in the section for this. They send her a form to require my daughter to register as it says on the form it will “mean you can vote at elections” No it does not! If she fails to register by 30/12/15 there is an £80 fine involved. When contacted the officer at Election Services had no idea of the legislation backing this threat up or the right to demand information from a minor and tried to hedge and say it was an invite, you can invite someone to an interview under caution but they don’t have to attend or you arrest them and they do. As soon as there is an element of coercion it ceases to be an invite its making someone an offer they can’t refuse. The other excuse was that the form was provided by the Electoral commission and they just sent it out and they wanted to be ready for when she would be eligible to vote and the age is being reviewed, but the government is staunchly against this and so it will not change till at least after the next election.. Asked if their head of legal services had checked the form told they wouldn’t alter an Electoral Commission form. Is this really a good way to encourage young people to engage in politics? I suspect most teens will just dump it in the bin so it could be a nice little earner for Portsmouth City Council. Anyone else had this?
  5. A woman knocked at my house earlier (I rent privately) and told me I have to give my details for the electoral register. I explained to her that I was busy at that time and she was quite rude to me saying it would only take a few minutes and we could have had it done in the time we were "arguing". I told her I was no aware we were arguing. She said if I did not complete the form there and then she would mark it down as a refusal. I asked her what it was all for and she said so I could vote. I told her that I did not vote anyway so no thanks. My friend has just told me that I can be fined up to £1000 for not registering! Is this true?! And if it is, what should I do now? x
  6. After being in my new place for a month, the dreaded TV Licence falls through the door When i moved into my new place, like a good little boy i registered on the voters roll. Yesterday they even sent me a letter saying that i have been included from the 1st September dated 28th August Call me a cynic but do the local authority or the local housing authority inform TV Licence of any new additions to the register or new tenancy taken up?? This is some coincidence
  7. I requested my credit file from Experian and it states I am not on the electoral roll: "No Electoral Roll Information available from the addresses provided". I registered to be on the Electoral Roll a few months ago. This was confirmed to me by my local authority and I also received a voting card for the last general election. Therefore this has shocked me. I have been applying for bank current accounts over the last few weeks and, disappointingly, been rejected by all of them. I am already in a weaker position than most people as I have a non UK passport, not even an EU one, and mine is from a country which many financial institutions classify as a 'high risk' one. And then to also mark me as not being on the electoral roll would be another negative when banks check my credit record. I had some questions please: - if Experian say I'm not on the electoral roll, is it likely the two other credit reference agencies will state the same thing as well? - what could have gone wrong? - how long does it normally take for the records of the credit reference agencies to be updated about somebody being on a local authority's database? - how may I get this rectified please? How long does it take for the credit records to be corrected? - last, but not least, is it worth me applying to more banks? Or should I wait until the records are updated, even if it takes many weeks? How fussy are banks about somebody being on the electoral roll please? Thanks a lot in advance for the advice.
  8. I have an electoral roll official guy turning up on my doorstep, asking to update/provide my details for the electoral roll register. He always picks a sunday evening for this which is very wierd, has he not got a life or is he getting a percentage out of it....? Hahaha. i live with other ppl in a shared house and he doesn't care that nobody else in my house is registered because they are refusing to provide their details. A few years ago when this electoral roll bullsh.. started, I was living at this same address with a different set of ppl and (without my permission) annoyingly those guys provided my details to that female official who came to register the ppl at this address. At that time I happened to just got home while they were in the middle of it and I was 'threatened' by this female official (if we can call it that...) that if I don't provide my full and truthful details, I'll get a fine of up to 5000 pounds. This happened 2 years ago. Last year however I did not fill in a new form. In May i moved out from here. After living somewhere else for 5 months, I ended up back at this same address and living here since. Funnily I'm due to move out again before the end of the year, got landlord's (unofficial) notice (as I have no signed tenancy contract - and nobody else does). So I'm being informed that if I don't provide my details again on the form the official left here for me today, I will be fined up to 5000 GBP. My housemates just keep telling him that they do not live here and he just leaves it at that even though it's blatantly obvious that they do live here. Last year I did not update my details on the electoral roll and I did not receive a fine whatsoever (probably that is due to moving so frequently). I am not trying to dodge anything or be running from anything, it just happens that I am unlucky with the houseshares where I chose to live. I am really not happy about having my details on government databases and God knows where else where they sell my data to. I am not a british national and couldn't care less about voting and really don't think I will ever get to the financial stage to apply for a mortgage so for these reasons I don't want to fill in the form again. Basically I am looking for a legit way out of this constant, nagging, pain in the backside electoral roll bullsh.. Such an annoyance! The official brought a form again today (sunday) with my name and current address on it and said to my housemates that if I do not fill in and send it within 7 days, I'll get a 5000 GBP fine! Really makes me feel wanting to slap him across the face, lucky it wasn't me he said this to!
  9. We know that DCA's use electoral rolls and other info on public domain So can I by the same token post details of DCA director's Such as name, address, dob, FB profile all of which are freely available on the net?
  10. Hi, I decided to look myself up and noticed that I wasn't on the electoral register. So I've just re-signed up (third time in 5 years) and made sure that I wasn't on the "open register". Is there anything I can do if people decide to get my details from the "non open register" for business reasons? i.e. debt collectors etc...? Cheers, A
  11. Here is my circumstances Age:24 Living with parents Currently unregistered on electoral roll Parents are on disability Im working full time Basically a friend at work told me i should be on the electoral roll if i ever want to get a house or rent a place but i have some questions first. 1. If i register will my parents lose money 2. will i have to start paying council tax while living at my parents house ?
  12. I've just registered to this excellent forum, and am hopeful somebody can shed some light on my situation - grateful for all comments thanks. I have an ongoing legal dispute whereby I'm the sole legal owner of a property (clearly proven through the timing of the purchase), and after accepting an amount of money from a family member in exchange for a licence ( giving them the right to occupy, similar to a lodger), that person is now claiming a beneficial interest, claiming the money they paid and I accepted was a direct contribution to the purchase of the property. They are refusing to leave the property unless they get a certain sum of money. The legal dispute is very stressful, and as my legal costs are already £15k+, I'm looking into settling to get this person out of my property. I do not want to sell the property, as my age and circumstances would not allow me to get another mortgage. I have looked into releasing equity from the property, before I might eventually have to sell (am in the process of issuing court proceedings - ToLATA claim). To raise the money, my credit rating must be good so I've checked with the relevant credit rating agencies, and have discovered that the family member has removed my name from the electoral roll (I am not staying in property due to their violence, although I'm the sole legal owner), and this is a big black mark on my credit score. Does anybody know if, as the sole legal owner but staying away due to the violence of the family member, if I can still register the property as my main address and therefore again be seen as being on the electoral roll (was registered there for previous 6 years before choosing to leave for own safety)? Thanks.
  13. I want to tell everyone of my experience with this e-company THE UK ELECTORAL ROLL, and warn of their unsatisfactory customer care / service they give, or don't give, and advise you NOT to subscribe to this companies service unless you want to waste your money. It wasn't a lot of money but the principal is that you do not get what you are paying for. I registered with this company for a one month period to search the names and addresses of relatives for my family history. This company (THE UK ELECTORAL ROLL) is offering up to date information from the electoral role, I did one search (the 1st) for a relative and the address that was sent to me was one that I know to be years out of date, so I did as they say in their ad and asked for assistance, they came up with the correct address, and said that they would do a system test and advise further. OK I tried another name and again it came back with out of date information, I e-mailed yet again, NO REPLY, it seems that they didn't want to help anymore, and I didn't get a reply to further e-mails sent, it said in their ad "no quibble refund" so I asked for one, but they have got around giving refunds in their T&Cs. I tried yet again with my own name, you guessed, not recognised If they cannot recognise my name and address (192.com another electoral register came up with my name straight away), surely they are selling a service that is not fit for purpose acording to the sale of goods act 1979, here is a quote fit for the purpose, that is as well as being fit for the purpose for which they are generally sold, goods should also be fit for any specific or particular purpose made known at the time of the agreement. For example, if a consumer asks for a food mixer that beats, whisks, and kneads dough then the one the seller gives them should do all of those things, as described, that is the goods should correspond with any description applied to them whether this be verbally, through words and pictures on a sign, on packaging, or on an advertisement. Now this company has not responded to my e-mails to them and I do not expect them to now, so I have lost my money with THE UK ELECTORAL ROLL, and will have to put this down to experience and spend out yet again with another company to get the information that I need. So anyone looking for information from the electoral role DO NOT USE THIS COMPANY. If anyone can tell me where to go from here it would be appreciated, I do not want companies like THE UK ELECTORAL ROLL ripping off other unsuspecting customers like me. regards Anne
  14. I have recently discovered that Equifax has failed to upload to Electoral roll data as supplied by the local councils and have instead relied upon data provided by account providers including the debt recovery sector. My own data was affected around 18 months ago and I have now discovered others have been affected. I am very keen to highlight this issue and see if any others have been effected. Equifax are aware of this and don't seem interested in discussing or resolving this other than to say it was an error. My concern is that Equifax quote on our credit files the "on Electoral roll" data yet it would seem that the actual data provided is that of the address given by banks, credit cards and debt recovery companies. I have already proven one of these were in breach of their terms with Equifax so how can a debt recovery company be reliable enough to provide accurate data of address's ? PLEASE - Check your credit file and verify if the Electoral roll data is correct. On one case it was updated after 1 year yet this would still cause an issue for you. I am also in contact with a media production company interested in this and are looking for other cases. If you have been affected then I would really appreciate you getting in contact.
  15. Hello all My local council tell me that they released the Electoral Roll after the summer/autumn canvas on December 3rd. I have my credit file for experian in PDF, but I can't seem to signup for callcredit and equifax. Equifax have asked me to send proof of ID. Does anyone know when callcredit and equifax will have this data in their databases? Does anyone know when it happened last year? Cheers
  16. Hi All, This might seem a generic question so please move it if its in the wrong place.. I have not been listed on the voters roll for a number of years, if I am on it then it will be at an address I lived at around 9 years ago. I think I have only got one debt from that address way back then which I have never paid back, it's never caught up with me and I am hoping it is now statue barred or something like that (this was when I was a silly student and non-financial aware) Anyway, I want to take out a new credit card or a loan but think that by not having registered on voters roll for my current adddress this might make it impossible. Too scared to apply for my credit report in case there is suddenly a deluge of forgotten debts (there may be none, there may be some - such a long time ago). Would having the voters roll registration make me a more viable applicant? I earn over £35k a year just now. I have used stupid payday loans and think iwould prefer a conventional loan/credit card instead so thats why i am investigation the electoral roll here. what an essay... sorry
  17. I have looked through some of the threads and searched for this but can't find anyone that has had the same experience as me. I have recently moved address for work and due to the relocation had two addresses for about six months. I applied for a mortgage for a house in the area I was moving to and decided to be open about what I was doing. Owned a house in the old location, rented a house in the new location and lived in the new location so gave that as my address. I have since been refused the mortgage due to not being on the electoral roll on an Equifax report. I sent my registration form but it was never received by my local council. So, to remedy this I rushed to the council offices, completed a new form and got a letter from the council confirming that I was going to be added to the electoral roll. The problem is that they will not publish their register until October. Equifax have informed me that they will not add this to my credit report until January 2013. Maybe I am being naive but that seems to be a bit unfair that I should have to wait 5 months to be able to borrow money! I have an impeccable credit rating with the exception of the fact that Equifax do no show me being on the electoral roll at the new rented address. I have disputed this with Equifax and got nowhere with it until I lost my temper enough with their Asian call centre and they passed me to an Irish call centre. When I say I got somewhere I got back to square one! I have asked for a notice of correction to be added to my file but I am not sure this will affect the lenders decision and the vendor of the house I am buying has now put the house back on the market. So, my questions are: - Is there anything I can do to get Equifax to update their records? - Is it normal to have to wait 5 months for this information to be updated? - Can a lender chose to ignore the notice of correction or do they have to take this into account? - Would there be any possibility of Equifax paying my legal expenses if the house purchase falls through? Thanks in advance
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