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SARS answer received, no signed agreement, best way to request removal of neg data?

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Hi folks,


I am working on repairing my credit. Companies who reported negative entries to credit file arent very co operative and so I have to do alot myself.


I got back SARS data from a bank and mobile provider, no signed agreement, seems they lost it.


What would be the best way to execute removal or default and few arrears?


Do I raise online dispute? Will positive repayment history be removed too? What`s the best way to do it?


P.S No Default notice original or even copy in SARS paperwork.






Edited by a2012

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Getting defaults removed is notoriously difficult but you could start by sending the creditor this:




If they refuse (as is likely) it's pointless going to the Information Commissioner as they will say that as the debt exists, they can mark your file accordingly and there was a recent court case where a judge said it's also ok to mark the file.


The only way I have seen so far is to take them to court and get them to prove they have your written permission to use your data. This permission is your agreement.



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I have called 3g centre in India. SO far folks I spoke with are full of bs :)


I spoke with my contact in Equifax and they said if no written agreement exist there is a good change they will remove data following dispute query.


I plan to sue for damages arising from presence of wrongful data on my credit file. Send a copy of writs to 3g UK headquarters with an offer to settle that means changing whatever negative history is present into positive and then I will drop the claim.


There reason i am doing it I want to keep accrued positive history rather that having it deleted.



What you think folks?



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