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Another newbie in need of help


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Ok sent off on friday will keep you posted.However what amazes me is that they say in there letter that the account was started in 83,,well call me stoopid but they gave me an account when i was 11...priceless:D

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  • 2 weeks later...

Ok still no reply from the arses at littlewoods however checked my credit report today and they have put a default on it.whats my next step since they aint got proof the debt is mine,yet they still default my credit report???....

 

thanks in advance

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The Information Commissioner takes the view that providing they have other proof that you owe them money ie proof of transactions, then the banks/DCAS are within their rights to enter defaults on the debtors credit reports as the debt is still owed even if their is no agreement - it just cannot be enforced.

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So what they saying is i took the account out when i was 11 years old and there is no proof whatsoever that the debt is mine but they can still mark my credit file just for the fun of it.....????

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You should surely draw the attention of that fact to TS, the OFT and the ICO.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

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BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

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Hi BB nice to hear from you,,,how do i go about that and what do i say,,also may i add that the default is actually a different figure to the letters they were asking for about £100 less.....this is a complete joke this,,rang experian and they said they will contact them but aint holding my breath....

 

Thanks in Advance again :)

Edited by toon690
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