Jump to content


  • Tweets

  • Posts

    • No I get what you're saying and that is fair enough if that's the way it is, but the issue is that the Judge has agreed that I part exchanged my car against a new car but then failed to acknowledge that it was a deposit of some form. To trade my car in and get a discount of a new car constitutes as a deposit by legislation. The Judge has conflicted himself and this is where he is misinterpreting the law.  I also shouldn't have had a scrappage discount and a dealership discount together, it says so in their terms and conditions, which in itself makes the agreement improperly executed at the very least.  This may all make more sense when I upload the trial bundle, it's over 160 pages though so taking a while to redact my information 
    • the scrappage scheme is nothing to do with the agreement ...sorry. it's an enticement to purchase a replacement vehicle. just the same as shop signs that say 50% off or whatever.  its a done and dusted deal done before you enter into the agreement for the remaining £sum. 
    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you don't have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Challenging information on credit file


Ferru
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5952 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I once challenged incorrect information on my credit file. A few weeks later got a letter from the credit reference agency saying that the bank concerned had checked their records, and were happy that the information in the file was correct.

 

Do banks investigate properly claims that the information they have supplied is incorrect? Or do they take the view that the computer doesnt lie, but the customer usually does, and dismiss all claims that the data held is incorrect without any investigation?

 

Does anyone have any advice on challenging information on a credit file?

 

Thanks in advance.

 

Jeff

Link to post
Share on other sites

We have something in the pipeline that is BIG about this very subject.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

------------

 

 

Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

------------

Link to post
Share on other sites

Guest Mumofthreeboys
We have something in the pipeline that is BIG about this very subject.

 

Can't wait for this :D

Link to post
Share on other sites

I have been wondering if, taking all the various systems at work within the banking system that they would now be shareing information between the various lenders about customers who are challenging the lenders?

Not quite a CIFAS but some other confidential warning code or check?

(that we dont see)

 

If not I would imagine that it wont be long in coming .....

The thought worries me as I see peoples files on a regular basis and have come to the conclusion that nearly 50% of them contain info that is incorrect and in many cases ruins otherwise good files.

 

I have tried (with not great sucess) to help with getting info corrected or removed, however the advice given by the CRA's " contact us and we will issue a note of correction and investgate for you" means little more than nothing in most cases and people are left with deflamatory incorrect info on their credit files.

And this is the info we are allowed to see!

 

The more recent the mistake the more chance of correction but Ferru I think your assumption is correct - the CRA's seem to believe the lenders everytime and as far as I can see you will need to get your bank to change the info and if you can do that the CRA's will follow suit.

 

Sounds like Dave may have a different answer ?????

 

Anytime your ready Dave !!! :razz:

 

Cat

Link to post
Share on other sites

I look forward to hearing about it.

 

Can you give us any clues at this stage? What timescale are we looking at?

 

Regards

 

Jeff

 

We have something in the pipeline that is BIG about this very subject.
Link to post
Share on other sites

We have something in the pipeline that is BIG about this very subject.

 

Top stuff Dave, looking forward to seeing this.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

Link to post
Share on other sites

We have something in the pipeline that is BIG about this very subject.

 

Top stuff Dave, looking forward to seeing this.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

Link to post
Share on other sites

I would like to see this aswell especially if it helps me to try and get rid of two defaults on my account which was paid and satisfied ages ago but contacted Vodafone who said they still wont remove them even though they are satisfied even though i did read somewhere that some companies will if you ask them. Hope this info is going to help me somewhere in this region. Getting rid of these two defaults will put my credit rating back into the good books and might be able to start looking at getting some of my higher interest rates lowered to better ones.

If you find this info useful please click on the scales in the bottom left corner of the thread :wink:

 

Vodafone To Remove Default Notices thread

Paid In Full HSBC Was Claiming £3851.42 But Instead of Paying Me Decided to pay my £4900 Loan OffDG Solictors. Need Help

Concluded Lloyds TSB 27/05/2006 Action Against LloydsTSB

Concluded Lloyds TSB for Girlfriend. 27/05/2006

Paid In Full Capital One £160 Settled

Paid In Full Capital One Sent 15/05/06 for £1372 for Girlfriend

Paid In Full Cetelem £130 Settled

Paid In Full The AA £400 Settled

Paid In Full First National £160 Settled

PDA LloydsTsb Credit Card Hand Delivered 26/04/06 £180

Link to post
Share on other sites

  • 2 weeks later...

edited

Telewest v RBS

[url]http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland-bank/61214-telewest-rbs.html[/url]

Telewest v A&L

[url]http://www.consumeractiongroup.co.uk/forum/alliance-leicester/61215-telwest-l.html[/url]

Telewest v Halifax

[url]http://www.consumeractiongroup.co.uk/forum/halifax-bank/63775-telewest-halifax.html[/url]

 

If I've helped - hit the scales and rate me!

Link to post
Share on other sites

I assume we're entitled to get the 1s and 2s removed too if they're for money we don't actually owe (e.g. charges, etc.)?

HSBCLloyds TSBcontractual interestNew Tax Creditscoming for you?NTL/Virgin Media

 

Never give in ... Never yield to force; never yield to the apparently overwhelming might of the enemy. Churchill, 1941

Link to post
Share on other sites

I assume we're entitled to get the 1s and 2s removed too if they're for money we don't actually owe (e.g. charges, etc.)?

 

Yes.

 

For example, in my County Court claim I contend that any late payment and overlimit notices on my credit record as a consequence of bank penalty charges must be removed. I am seeking a remedy to put my credit record back to the good condition it was in prior to unlawful bank penalty charges (and unlawful interest on those charges) being levied.

 

I have no defaults but the damage that late payment and overlimit notices can do to your record is significant and potentially costly.

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

Link to post
Share on other sites

  • 2 weeks later...
We have something in the pipeline that is BIG about this very subject.

 

Any news Dave?

Regards,

Bean

Lloyds TSB - 27/11/06 - £6377 paidrest with FOS

 

SETTLED

Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

Link to post
Share on other sites

I've had a look around and I can't find what I'm looking for.

 

Right I'v sent letters to everyone I can think of requesting information cash and credit file repair. Given this if there is anything left on the credit file it is false.

 

Is there a standard letter I can send to the CRA's to say that there should be no detrimental information in my file and that if there is they need me to help them investigate their error?

 

I just don't want to spend any money on a credit file that I can't charge back at this stage in the game £10 is way too much for the credit industry.

All done I think

Link to post
Share on other sites

  • 1 year later...
  • 2 months later...
  • 4 weeks later...

Me too, I have just back to sorting out my file and would definitely be interested in what is going on.

 

I am sick of the CRA's lack of responsibilty when it comes to the incorrect information they report for everbody to see. The relation of the banks and CRA's is way too close for comfort.

 

This may sound controversial but i think the sub-prime market has been boosted the profits of the banks by this very thing.

 

The banks profits increase when you can not get a decent mortgage / loan because of incorrect information, but then you have to go to a sub-prime lender who is another financial arm of the banks who have just rejected you for a loan, but you pay a much higher interest rate for the same loan.

 

So the CLIENTS of the CRA's profit even more.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...