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  1. Do experian have to let you see your credit report for free now due to GDPR?
  2. Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the incorrect information. 2/4/18 Received letter from O2 telling me they had disconnected my phone. 7/4/18 Requested credit report from Experian. 20/4/18 received letter from call credit stating that O2 had not bothered to respond to them, and are unable to amend the entries to my credit file without the permission of O2. 20/4/18 same letter as above also stating that the disputed entries will be supressed from my credit file, however, O2 can remove the suppression at any time. 21/4/18 complaint letter sent to Experian stating the incorrect accounts and linked addresses. 17/5/18 Received email from Experian telling me O2 had supplied the following details "The link is correct as the account was registered to the disputed address." 1/5/18 Received letter from Experian stating O2 had removed the accounts but not the linked addresses. 1/5/18 Complaint send to ICO about Experian knowingly registering wrong information on there systems even though it had been proved it was not me O2 were looking for. 5/6/18 sent SAR to Experian 5/6/18 SAR sent to O2 8/6/18 Received letter requesting what specific information i wanted from Experian. 11/6/18 Sent Experian an email stating i wanted the information between themselves and O2 to see what had been said about the matter. 11/6/18 Received email back from Experian stating that they had supplied the information the comparison data sets in the additional information i could request. No information regards conversations about themselves and O2. What O2 have done here is add accounts and linked addresses to a serial debtor on my credit report , opening the floodgates for all of these other companies to jump on the bandwagon adding CCJs , Defaults, Late payment accounts to my credit files. They are refusing to remove the wrong data from my Experian report and as stated above have not even replied to call credit about the issue. No reply as yet from the ICO as they are running 8 weeks behind about the Experian complaint. Next steps to take against O2 if anyone has any suggestions, AGAIN O2 are the ones that have opened the floodgates for all of the other comapnies to throw wrongful information onto my credit files without even bothering to do the correct checks. ***Please also note that my Experian credit report in April stated O2 were the source of the linked address, however my credit file in June states Experian are the source of the linked address*** Something funny going on i think. Thanks
  3. Hi Again.... I have a problem that I ought to have dealt with, but have not because I had more pressing issues: 4 sets of serious or urgent litigation that had deadlines, or financial priority: I had and still have a collapsed lung, I sadly have a deceased mother in law, a baby, who ended up in special care, while my wife almost bled to death during an emergency c section, I've bought a new house that the surveyor messed up big time on, I have had 2 new jobs, 2 surgeries and a tumor in my colon. I know they are not excuses for delay, but it has truly been a crap few years and this issue is the last unresolved pain in my side. All the issues above happened around the time of the N power debacle, or since. Some time around 2013/14 I moved into a house and the N Power Direct debit stopped. I had used NPower at a previous address. My dad had been paying as he is a kind man and he offered to when my wife and I were broke 10 years ago and he never stopped paying (despite me asking him not to). Npower screwed the bills up and I didn't pay the incorrect bills. At all times, I felt there was an ongoing complaint/ issue. Eventually the correct bill came and I paid it. The end? No. I applied for a loan or mortgage (cannot remember which off top of head) and was rejected. I had a default registered with Experian by Npower for the period where we were in dispute. The defaults are numerous and are all over the place. I wrote to Npower, Experian and complained to the FOS and got nowhere. What can I do, the defaults are only with Experian and they are utterly inaccurate. I am stuck. I need help with this.
  4. Hi I recently checked my credit file with Experian as I was thinking of going for a mortgage. I have discovered that there are several accounts that are my father's on my credit file despite the fact that we are not financially linked. Having spent 25 minutes with Natwest who were absolutely useless at first, someone has sent me a link for a complaint form. I was unsure whether I can claim anything for breach of Data Protection Act as I can see all my father's financial information. There are several other accounts as well which are being disputed through Experian.
  5. Hi, I'm hoping for advice, please: We're going for a mortgage. I've just done an Experian search and discovered a problem, namely a CCJ issued on 03/08/17 at Northampton County Court. They say it was from Lowell whom have a solicitor called Cohen/Cramer. I know absolutely nothing whatsoever of this CCJ. I've tried endlessly all morning to speak to the CCBS but the phone just never gets answered. I assume they're tremendously busy. I would very much appreciate help/advice/guidance please. I have a case number off the £4 Government advice website thing, that tells me absolutely sod all that Experian didn't, but they were free. Idiocy. Number I'm calling is 0300 123 1056. The reason I know it's Lowell is I rang an 01604 number which turned out to be the Court but for Northampton residents only and the helpful guy there looked at his computer and said that was whom it was from, but he knows nothing else and to call the useless, pointless, inane, time wasting, and costly to me, business centre number. The Experian entry says, incidentally, that the CCJ was at my current/correct address...
  6. I am needing to apply for a mortgage asap. Im a LTD company self employed contractor. There is a wrong default on my Equifax and Callcredit reports. Experian is absolutely fine. I have only been contracting for 16 months and so the likes of Halifax wont touch me. I have written to the FOS to get the details corrected but this may take time. Can you tell me what lenders only use Experian or suggest who i could check with. The brokers dont have this information. There is an article on MSE but its incorrect, it says Nationwide only use Experian, i called them and they said they use all 3 companies for credit checks. Many thanks
  7. Hi, long time no post. asfaiwa my finances were now in a good place. I got a massive shock when I did a credit check on Experian two days ago to discover that a debt originally defaulted by Monument back in 2006 was now showing as a default to Arrow Global. This case was dealt with by the court around 2006 who agreed a payment of £1 a month to Arrow Global who had purchased the debt from Monument, and I set up a standing order for £1 a month. I was also paying £10 a month to Arrow Global for an RBS debt. In July 2015 the £10 a month payments stopped as the RBS debt was paid off. I can find no records of any £1 standing order payments to Arrow Global for the Monument debt since 2010 (as far back as my bank records go.) In November 2015 standing order payments for £1 a month started to Capquest, who had apparently bought the debt from Arrow. The first one was £5, (coincidentally 5 months after July 2015 ie 5 x £1 payments), going down to £1 a month after that. Arrow say they never stopped receiving £1 a month payment from me and that I had been paying by order book. I have no recollection of this at all and have no order book with them, nor any memory of cancelling the standing order to Arrow for £1 a month set up years ago, and no memory of setting up a payment with Capquest for £1 month in November 2015. Arrow then informed me that when they sold the debt to Capquest, I defaulted, and the default date on my credit report dates back to November 2015, long after the original default date with Monument. I didn't understand what was going on (I still don’t) and asked if there was any way the default could be removed. Their representative told me it was against the law for them to remove defaulted entries from CRAs. But the default shouldn't be on there in the first place, should it? It is my understanding that defaults should date only to the date of the default with the original creditor. Is this correct? Now, thinking that the Monument debt had been well and truly dealt with I (mistakenly, shoot me now ) chucked out all my correspondence with Monument a few months ago during a filing session. Ditto Arrow Global and Capquest. (yes I'm an idiot. ) I then rang Capquest who confirmed they started receiving £1 a month from me in November 2015. So why the default? Because, they said, I'd defaulted when they bought the debt from Arrow. Taking them at their word I asked for them to suggest a settlement figure and they took a list of all my incomings and outgoings and said they'd pass on my details back to Arrow for them to see if my settlement figure was acceptable. I suggested £500 on a £2,300 original debt. But once I got off the phone my husband said to me that something was fishy about all this, and that's when after discussing it we realised that the default shouldn't even be showing on my credit file. Both Arrow Global and Capquest were insistent that I'd defaulted when the debt was transferred from Arrow to Capquest. So what do I do? This has caused me untold stress and completely ruined my otherwise squeaky clean credit record. Gutted.
  8. There was a story in the financial section of today's Daily Mail about a chap who lived in south London and always had done being chased by Robbers Way for a debt that beloned to someone in Essex. it transpired that Experian does a people matching service and came up with the poor fellow's name and DoB being similar to the defaulter so they sold Robbers his details and they then put a default on his credit files and changed the original address to match the new erroneous data. Now I know that this crookedness and deception was down to Robbers Way but they wouldnt have ever had the opportunity to do so if Experian wasnt touting this service and then blaming others when they then hold false records on their system. RW even needed a big kick up the backside to remove the default as they werent going to do it willingly even after they were caught out by the DM. Vindictive sods.
  9. Low and behold after two years of trying to get my credit score was looking reasonable on Experian, they go and make changes. Yesterday credit score was 627. Today credit score is 386 Any new Defaults? Nope Any Missed Payments? Nope Any New Searches? Nope What has changed? Nothing All they have gone and done is changed their processes! What a bunch of balls. Can they prove they are inline with the way other lenders score banks? Nope. So what is the point of this service that 14.99 is being taken each month. Think it's time I reclaimed the "ID theft" insurance.
  10. Hi I was wondering if you can give me some advice on Experian & how they record debt. I have 2 questions (sorry!) The first o an IVA 7 years ago. Barclays was one of my creditors. They were notified by my insolvency practioner but they carried on sending me hassling letters. I then wrote to them & showed a copy of the IVA. They have taken no notice and it is still showing on my credit file after 7 years. Experian said they cannot remove it until they get notification from Barclays (Not a chance as they just wont compile with any instructions) 2nd question Is this my daughter had her new phone stolen in Germany in 2015. I immediately rang T-Mobile to inform them of this and they said I shouldn't cancel it as they cld track her phone for her. I said the thieves would have probably be using this as we speak and insisted they cancel it. They did so. I now find they are registering a debt every month as if I am not paying for it. She hasn't got a phone from them anymore. I told Experian and they said I need a letter from T-Mobile but they won't give me one. HELP!! Thank you
  11. Hi Everyone, In 2012 I got a payday loan which snowballed into another until finally I could not afford to payback the amounts. The first loan was from Wonga (£430 still owed at point of default) and the second from QuickQuid (£220 still owed at point of default) . I received an email in August from Wonga and Red Castle DCA to say my debt had been cleared due to new FCA rules about affordability and all records would be removed from my credit report. I have checked all 3 credit reports, there is no information from QuickQuid or Red Castle on any of them and Wonga shows as £0 owed, but there is a default registered by a 'PRA UK', there is not much information about it, just say's there is £70 owed for a payday loan, it was defaulted in March 2013, and last updated in mid 2014. Does anyone know if QuickQuid are using this DCA? It's an odd amount since neither debt was for £70 and it is a different DCA than Wonga mentioned meaning it might be for QuickQuid. If it was for the Wonga loan which has been written off can I get this removed and if it is for QuickQuid I wonder why only £70 and how should I go about settling it and could I get it removed? I have no other debt other than my overdraft, so the £70 default can't be for anything other than the 2 payday loans. If I contact them what should I ask them for to prove the debt is correct/genuine, I don't have a £70 debt for a payday loan, one cleared and one for £220, and it does not say who it is from originally. Also I read somewhere the clock resets to 6 years the first time you contact Debt Collectors. I have been in contact with Wonga and QuickQuid about the debts before but not debt collectors, so worried about impacting my credit score for longer by calling them directly now, and if it was possible to go via QuickQuid/Wonga? Any help appreciated and happy to be joining the forums.
  12. Morning All , hope someone can advise me as im totally bamboozeld. I recevied a letter today from 1ST credit who have been assigned by HFC bank to claim a full outstanding balance from me. How do i find out who are the original creditors?? , i think its was a sainsburys loan that i took out in 2002 that was passed on to HFC bank to chase. I checked my expeiran credit rating this morning and there was nothing on there from HFC ( or indeed no mention of the couple of creditors( aktiv and connaught) i have agreements with by paying back an agreed monthly plan.) My score was 994 out of 997 with no ccj's. all green ticks and no negatives going back 6 years. Showing no records before that. I have mentioned on another thread that i havent paid the sainsbury loan(£9000) since sept 2006, when i went through a divorce and ended up in rehab as i went off the rails. .I ve been given the advice that this debt is now statute barred.There is no mention of the sainsburys loan on my credit file ( i imagine because i havent paid it for 9 years) and the records only go back 6 years on my expiran file. the letter this morning has enclosed a standing order, asking for a £10 admin fee, and to set up payment terms. the thing that worries me is that the balance they are chasing is about a third of the sainsburys loan amount(£3000) . Do you think HFC have written off the debt, And 1st Direct are charging interest on that original amount for the last 3 years since it was statute barred( basically an arbitory figure)??. Im worried now that if this isnt the sainsbury loan that someone has run up a debt with HFC under my name!, although this would show on my credit file i would imagine. sorry if this ll sounds like a david lynch film, im just hopless and explaining myself and obviously with fiscal matters. please advise this poor old sod as my heads in a spin. many many thanks
  13. Hi all, i need a bit of help - brief back ground: Unfortunately – back in 2004 I was heavily reliant on credit cards and the inevitable happened, meaning that I had to stop paying the cards due to the loss of my job and other circumstances. Needless to say that since then I never applied for any type of credit – except when I took my mortgage, and hey presto all the cards company surfaced via – so called debt collecting agencies. they write asking for exuberant amounts – yet I would like to challenge them and get this debt written off since now it’s almost 6 years well it will be at the end of Dec. My credit file shows that these debts are still present I would like advice on the following if I may please: 1) I want them to provide me with the original CCA agreement – if they can’t provide such paper trail could I inform the credit agencies and say since they can’t provide proof I want it taken off my credit report? 2) if they do provide the paper work for them being that they are 6 years old debts can they still enforce them? Or should I write them a letter pointing that now the debt is not enforceable and they should stop writing to me? 3) Are they any legal pointers I can refer to in my communications with these debt collecting agencies? Any help or advice would be great And may I say hats off to the people that are on this Forum sharing knowledge and wisdom. These debt collecting agencies are making my life a misery.
  14. After years of paying back debts I've finally got myself into an ok position. I'm now looking to get a mortgage and so I've been subscribing to credit expert. On friday my credit score was 31 away from being good and this was great because I have paid down a couple of accounts and so when updated I was hoping this would push me over the edge! However yesterday I updated my address as I recently moved in with my mum so that I'm free to move quickly when I buy somewhere and I want to ensure I'm still on the Electoral register etc. This morning my score had gone down by 49, but as you can see from the attachment the comment bears not relation to the score going down! I know lots of people think credit scores are a fallacy but I know when mines been good I've got credit and when not so good I haven't! I called Experian and they said the score had gone down because of my new address pulling through a new account- this is a bank account I've had since 1998, no overdraft, no borrowing and always in credit. How is that a negative?! The person I spoke to could offer me no reasonable explanation! Does this seem right to you? Thanks.
  15. hi all .. .this is just a quick email really but im trying to remove successfully settled payday loans from my credit report as they are stopping me from getting a mortgage. I thought it would be useful to keep you posted I found this email on the CAG forums, copied in the ICO, FCA and my local MP and sent it off.. ..now to keep my fingers crossedxx Dear Wonga.com/Experian, I have used your service a number of times over recent years, always repaying my loans on time and in full. I have never been late with a payment, or defaulted on a sum. A large part of my decision to use your service was your promise on your website at the time that you would report my good conduct to credit reference agencies, and this would improve my credit standing. I kept faith with my part of this agreement and paid all my debts to you on time. At the time, your services showed upon my credit file as “Loan”, and my full and prompt payment of account did indeed have a positive impact on my credit file. However, it seems that since then, yourselves or your agents Experian, have decided to list them separately as “payday loans”, and this has now been quoted to me by other lenders as the reason for them declining my applications, and has in fact now cost me a mortgage and the home of my dreams. As such, I feel I am being made to suffer undue hardship because of this retrospective change, especially as at no time did I breach any agreement with yourselves, and always met my promise to pay. Note that this change means that the advertising you ran at the time stating that use of your services would improve my credit rating is now incorrect. As I entered into an agreement with you on the basis of this advertising, I believe this has formed a collateral contract. I also believe that this retrospective change is a breach of the FCA’s principle of Treating Customers Fairly. There is no requirement in statute or otherwise for you to report the performance of my account to any 3rd party, this is just something you have taken the decision to do. There is no law or statute preventing you from removing this information from my credit file. I would like to request you remove all settled accounts from my credit file, as a goodwill gesture, in order to resolve my complaint. I look forward to hearing from you.
  16. Experian, one of the largest credit agency data brokers in the world, has been hacked. Some 15 million people who used the company’s services, among them customers of cellular company T-Mobile who had applied for Experian credit checks, may have had their private information exposed, the company confirmed on Thursday. Information from the hack includes names, addresses, and social security, driver’s license and passport numbers. The license and passport numbers were in an encrypted field, but Experian said that encryption may also have been compromised. More ... This appears to be US but could it also affect the UK and is the UK servers of Experian any more secure than the US. Clearly, the most important victims here are the T-Mobile users who have had their personal details exposed through no fault of their own, and are potentially running the risk of identity theft.
  17. Trying to get Experian to update my new address is like pulling teeth, even by phone. They always default to get you to sign that dam Credit Expert subscription at £15.00 a month. After threatening them with everything from CPUTR 2008, Data Protection Act 1998 etc due to their inertia in a simple request such as updating my new address as the previous info that have is inaccurate, I get this out of them for which you can then change your address details. You can order a Statutory Report for £2.00 and view it on line anything up to 5 days time via Email from original application. Just use this Web Address: http://www.experian.co.uk/consumer/statutory-report.html?intcmp=call_centre_statutory_report#orderReport
  18. Hi all, new here! I have just joined Experian to see what my credit score is like - its "fair" at the moment, but, its being ruined by a CCJ from some years ago, and I'd like some advice on it. Its a bit complicated so bear with me! The CCJ is from Northampton County Court, and is for £17000+ but the only thing I have anywhere near that amount was a bank loan from HSBC many years ago for £10000. I am sure this is what it relates to, but, how can I find out? If it IS related to that, then how can I dispute the amount as the loan was only for £10k (plus whatever interest)? Also, the loan was taken out jointly by my ex partner and myself, and there is no chance of us getting back together. To be honest, I had no idea there was a CCJ until I checked Experian, as she had a "head in the sand" mentality, and threw mail in the bin, so I never saw it. If I can find out all this info, can somebody advise on where I go next? Can I get an IVA or something, to settle the debt? Im assuming its gone through a credit reference agency as the loan with HSBC is showing as completed in the positives section of Equifax? I've really got no idea where to start or how to proceed with this...... its ruining my ability to obtain any sort of credit, but sort of winning the lottery, I dont know how to deal with it Any help and advice appreciated. Cheers all
  19. My noddle report is pretty poor as it has 2 defaults on it which are 5 years old (and both currently being disputed). Today I paid the fee and viewed my experian report and that says I have excellent credit and no record of the 2 defaults? I have an old experian report from 2012 and that has one of the defaults on it, but not the other, but now they no longer appear on it. I even called experian to check, and she said there was no active record for them, so they are not part of the credit report. My 2012 report was in the region of ~700, but now it's mid 900's, and even says at the top that it has improved because there are no longer delinquent or defaulted accounts on it. One other thing that confuses me is that Experian have no record of my current bank account. They have my main bank account down as an old closed Barclays account. Again, I asked them and they said if the account was opened over 10 years ago it may be that my bank never agreed to share the information. So my credit score is now so good, do I risk calling my bank to ask them to share info? I've been a customer for 15+ years, have a 1500 OD that I basically live in. This may look negative!
  20. Hi, I am hoping somebody could perhaps offer some help. I have previously had a number of serious debt problems, culminating in multiple defaults and a CCJ in 2008. Since then I have sorted myself out and put these debt problems behind me. I had been checking Equifax and Noddle, which showed the respective defaults fall off my file last year. Once such default was for a bank account/overdraft with Halifax. Yesterday I checked my file with Experian and have noticed an issue, which may effect a pending mortgage appliacation. Halifax last updated Experian in 2010 - and the account is currently showing 3 payments late - opposed to the default which was issues and should now have dropped off with time. I do not have any paperwork relating relating to the Halifax account, and cant remember specficially when the account defaulted. I cant confirm on Equifax as it has now dropped off there. What is the best course of action to get this removed? Thanks
  21. Just a little anecdote from a few months ago. Meant to share it here sooner but got a little waylaid with other things. I was an Experian customer last year and had subscribed to their £14.99 a month product to be able to view my credit report and credit score. At the time, I was not aware that I was also being sold an insurance policy for identity theft protection. I decided to cancel my Experian subscription after a while; I didn't really feel it represented good value for money as I rarely apply for credit products. However fortunately I stumbled across this article when I was looking into cancellation, which I believe was prompted by CAG in the first place: http://www.thisismoney.co.uk/money/cardsloans/article-2627599/Experians-6-month-cover-dont-admit-DONT-need.html When I spoke to Experian to cancel my account, I challenged them about the mis-selling of their ID theft product and demanded a refund of each £6.40 monthly premium I had paid. The customer service adviser refused at first, stating something along the lines of the £14.99 was a non-negotiable fee. However, when I disagreed with this position and quoted the advice in the article, particularly the part about getting in touch with the Financial Ombudsman Service, Experian finally relented. The customer service adviser returned after speaking with her manager and promptly refunded the premiums I had paid to date - about £50. I was also offered their £2 per month "monitor" service. Of course, I politely refused
  22. hi, ive up repayment plans with pay day lenders twice over this past 3 years due to a gambling problem. Im currently doing pretty well with 5 months left - bar swift sterling, most of the lenders were reasonably sympathetic in faciliating the plan. Early Payday were one of the lenders with a very small loan of £250 which I was paying at £25 per month and have increased to £37.50 per month. I normally use equifax for my credit reports and noticed nothing adverse with any of the pay day lenders - however this morning I have just checked my experian credit file and credit score and see that Early Payday have put a default against my account. The default amount is for £175 which is 3 months into my payment plan I received no documentation from them on this and am I right in thinking they should not be marking me as a default if I've made an arrangement with them - I've noticed wonga have marked my status as Arrangement to Pay (AP)
  23. Hello I was wondering if anyone could help me, I recently applied for a mortgage with HSBC and was approved. Subsequently I have now completed the purchased but noticed that the mortgage has appeared on credit file and is being update (status) monthly like a credit card (0's). I asked around on other forums (sorry) and most replied to say that mortgages are considered as secure lending and not like a credit card and therefore should not recorded monthly rather just registered under additional address / linked address. I have spoken with HSBC who don't really have a clue about why it has appeared like this on my credit file? Can this be removed? and the positives and negative of actioning something like this? I would be grateful if someone could clarify the issue for me? Thanks
  24. I was contacted on 13th October by Experian who informed me that they suspect an imposter had applied on-line to view my credit file. After a long discussion with their helpdesk I find out that the fraudster answered 2x security questions incorrectly but was still granted access to my full credit file. One of these questions was my DOB - REALLY !!!! I can not believe that full access was granted even though something as fundamental as my DOB was wrong !!! This individual has subsequently gone on to apply for credit and purchase items from many telecom suppliers, some on my account, including EE, Vodafone, Carphone Warehouse and O2. My Vodafone bill is currently over £1500, (Normally £16.00). Yesterday I was told that Apple Online had delivered £1200 worth of goods to my address and it was likely intercepted by the culprit before the delivery man made it to my door!! John Lewis is another store where a Credit card has been applied for in my name !! The effort and time involved in resolving this situation is huge, not to mention the stress and worry whilst the criminal aspect of the situation is dealt with. My credit worthiness will no doubt suffer as a result of this Although I can not hold Experian fully responsible for the actions of this "low life", I do feel they are responsible for giving him easy access to my details. What is the point of having security questions in the first place ????? I have sent an email complaint to Experian but heard nothing yet. I would appreciate any advice you can give regarding how best to deal with my stressful situation. Thanks in advance Nick
  25. Hello all, I have just noticed on my Experian file that Lloyds Assigned an alleged debt to CAIS member Capquest, circa August 2013. 1)Lloyds have still got the original info on Experian. 2) Capquest have the same alleged info also on Experian. 3) They both have the same acc start date and the same default date. My question is are they "both"allowed to have the same alleged debt displayed on Experian cra files? As usual all advice/info will be gratefully received. "EXEMPLO DUCEMUS"
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