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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. Printed off my credit report last month (Experian) and had the epic 'score' of 580.... Experian emailed me today to say there had been a change on my report. Logged on to see that Southern Water had added a default to the report with a default date of June 2016, no great shakes to be fair because it improved my 'credit' score to 635!!! However, I've not, nor ever have I, received a default notice? What is the MO for these clowns? And why are Experian shockingly inept at processing personal data accurately? Leave it two years for a default to appear on a cr
  3. 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?
  4. THREAD NOTE: the OP talks of a CCJ this is infact a DEFAULT MARKER ignore the reference to it being a CCJ. dx - siteteam ........................................................... Hi All, the is my forst post on CAG. I have a question, which im hoping the community will be able to advice me on if it is legal, and if not the steps to take to resolve this. 7 and a half years ago, i split with my X wife, which was quite a bitter split. In her wisdom, when we split and put the marital home up for sale, a few weeks later my x wife took the house off the market,
  5. Hi everyone, firstly, apologies if this is in the wrong forum. If so please tell me off mods and feel free to move the thread! I need to find out the VAT code and the Unique Taxpayer Reference (UTR) of a company. I found the VAT code easy enough. Has anyone got any idea how I can find this UTR for a particular company? Thanks.
  6. 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
  7. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Reference Agencies.pdf
  8. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Reference Agencies.pdf
  9. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . CredAg_WIP.pdf
  10. The Consumer Action Group Guide to understanding how the Credit Reference Agencies work. The guide to help you understand what Credit Reference Agencies are and how they impact on your lifestyle financial decisions and the information that is shared with Financial Institutions . Credit Agencies Guide.pdf
  11. As the title says really, i've been asked if i'd provide a reference, which i'm willing to do as former employer really took advantage of this guy for several years and then sacked him the day after he finds out his wife was pregnant. He was a good guy, hard working, gave it 110%, but used to get a lot of hassle/blame he did not deserve, mostly because of his age and inexperience in dealing with work politics.. I'm wondering what sort of reference is this, obviously it can't be personal, but how much can I say about the way I feel he was treated?
  12. Hi All Earlier this year I had a Final Charging Order applied for by my local Council to my local County Court. This secures a long-standing Council Tax debt from a past period of financial difficulty. I’ve no problem with that, it’s right and proper and appears to have been done procedurally correctly. The issue I have is that the Final Charging Order, issued by the County Court with a case number etc, has found its way to Registry Trust so is now listed on my credit file by the credit reference agencies. I’d always understood that credit reference agencies didn’t list council
  13. Hi All, Please bear with me. I was made redundant over a year ago, and as a single Mum, I've just started my own business, but am still relying heavily on benefits while I find my feet - financially. Our landlady's told us she's selling the house in June and as we've been here for 5 years and are so happy and settled, I'd love to somehow be able to buy it. The house is expected to go on the market for 220K. My mum recently sold her house and has a 30K deposit she can give us and I'm now considering the following options: 1. My ex, who earns a good wage (100K) can 'Buy to
  14. 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?
  15. Has the UK got the continuing-violations doctrine in its Laws. I was under probation with a company and I raised H & S issues. A lot of documented bullying occurred. My employment was later terminated and the director cited the contract I signed in which they have the right to terminate my contract without reason. Much later after the expiration of the time limit for the Tribunal I made a Subject Access Request. I discovered that my line manager has been telling lies about me all this time. And these are lies that are easily disputable (Like I was found sle
  16. We had a credit card with a debt of around >10k when we moved to Canada. It was transferred to Apex and we asked for a CCA in 2013, they did not supply it so it was no longer enforceable and we stopped paying it. In 2016 it was transferred to a DCA and again we asked for a CCA, they did not supply so we carried on with not paying it. My questions are: a) How do I find the data of our last payment and acknowledgement of the debt. Do forums like this constitute acknowledgement. b) How do we go about requesting our Credit Reference from the UK as we have n
  17. 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.
  18. Hi, myself and my partner just put a deposit down on an apartment which isn't available until the 7th of July. The letting agent has just sent us through the holding deposit T&C which states the following.. " Should the applicant withdraw the application or fail their referencing, which is at the landlords discretion and in this event be unable to provide a guarantor suitable to the landlord, the deposit will not be returned" Is this common practice? Surely that's a HUGE gamble with money?? I don't mind losing the fees but the entire deposit as well? Shouldn't they usually take
  19. 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
  20. Hi Everyone, I left my job in September, I just received a letter from my line manager's manager telling me I owed the organisation £260 for damage to a laptop (saying the laptop is now unusable). I admitted to two keys falling off the laptop and at the time I was told that was normal wear and tear (as I did outreach work and the laptop travelled alot) But they are claiming a bent screen and trackpad. However paying for damages is not in my employment contract. Are they legally able to make me pay for the damages? If so can I ask for several quotes for the damage before I pay? They are threa
  21. for a family friend In may she had a letter from a debt collector saying she owed £1200 to a water company for a property she moved out of in 2006 she contacted the water company who found the system was at fault and had the record of the phone call in 2006 (but not was said) to say i,ve moved and this is the new property. and direct debit payments continued for the new property. there system kept charging the account for four years and the new owner didnt pay anything they sent debt letters to the old address until may of this year the water company reduced the bala
  22. I have decided to accept settlement from an ex -employer on condition of a good reference.(I was made redundant)So , before i sign,is the reference they have submitted ok ? "I confirm that was employed by 1st April 2014 following a TUPE Transfer . This role involved providing support in all public-facing areas at the various Trust sites including reception, gift shop, tea room, welcome areas and within properties and visitor areas.The employment with the Trust ended on 31st March 2015 due to redundancy following an organisational restructure"
  23. 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
  24. Inaccurate credit files If you believe your file contains inaccurate or out-of-date information, you can ask for it to be amended, under the Consumer Credit (Credit Reference Agency) Regulations 2000. Write to the agency giving your full name and address. It may also help to give your credit reference file number. Clearly explain what information you think is wrong and why. Provide any proof you have to show why the information is wrong. Keep a copy of any letters you send. By law the agency must tell you within 28 days of your letter if it has: • removed the entry from
  25. 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
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