Credit Reference Agencies - Multiple defaults for same debt.

[tomterm8]

Date

 

Dear Sir Or Madam

 

FORMAL COMPLAINT UNDER YOUR CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

 

NOTICE TO CORRECT DATA UNDER DATA PROTECTION ACT 1998

 

 

I note that you have [NUMBER] of defaults registered against me in relation to account XXX originally issued by XXX. This is against the guidelines issued by the information commissioner, and is an unfair practice.

 

Please take this as a request to correct data under the Data Protection Act 1998.

 

Please send me a copy of your complaints procedure as required by law, with acknowledgement of this formal complaint.

 

Yours Faithfully,

 

XXXX. (Type don't sign)

 

 

 

Make sure you get proof of postage...

[PriorityOne]

Hiya Tom,

 

I assume this can be amended to CCA, 1974 ? Same creditor, 1st default circa. 2004 on credit file, but received a new DN this morning.... presumably as an act of revenge for me withholding token payments in the absence of an enforceable CCA.

 

[tomterm8]

In that case it would read:

 

Date

 

Dear Sir Or Madam

 

FORMAL COMPLAINT UNDER YOUR CONSUMER CREDIT ACT 2006 COMPLAINTS PROCEDURE

NOTICE TO CORRECT DATA UNDER DATA PROTECTION ACT 1998

 

I note that you have registered a default on XXth against account XXXXXX on XXXXX. Subsequently, you have issued a default notice on DATE.

 

 

Default is defined by the credit reference agencies as the termination of account for cause.

 

 

It is not possible to default an account twice, since by definition the account has already been closed. Attempting to register a default X years after already registering one is against the guidelines issued by the information commissioner, and is regarded as an unfair practice.

 

Please take this as a request to correct data under the Data Protection Act 1998.

 

Please send me a copy of your complaints procedure as required by law, with acknowledgement of this formal complaint.

 

Yours Faithfully,

 

XXXX. (type don't sign)

[PriorityOne]

Thanks for that Tom....