Lloyds default refusing to remove please help

[themadcap]

This is from a post started 2009 so i will list posts in order upto where we are today

[themadcap]

OCT 2009

 

Just wondering, I have a CCJ with easymoney lloyds which im in the process of having removed (they agree with me 2 and refunded all court costs) but i also have a default seperatley for this whic h was updated march 2007 and says balance £3470 the balance is now £61 and is finished this month, can i get this default removed as they are clearly showing a bad credit record and that for the past 2 years i havent made payment as this is obviously untrue and have therefore clearly missused my inforation and misrepressented me unfavourably.

Also i have a default from 2005 from vodafone ex singlepoint, as i only ever had a contract agreement with singlepoint i have never agreed that vodafone could use my info when they bought them out

any help greatly appreciated

[themadcap]

15TH OCT 2009

 

forgetting the vodafone, the point i am making via the loyds default is that they have never updated the default since march 2007 thus suggesting i still owe it £3470 despite actually owing £61 therefore any lender checking my credit record would see this default and consider that i had not bothered to repay it surely part of the criteria for processing your info is to keep it up to date, would it not be slanderous and defamatory to suggest that i was this bad a debtor? as it is obviously not a true reflection on my credit history

thanks

[themadcap]

23 NOV 2009

 

Just checked equifax and they also state £3470 balance, yet the judgement says settled!!!!!

Would i have a case for slander or defamation as its not been updated since 2006 yet ive paid £125 every month since then and now finished it and it must be reflecting badly on any credit application i make

thanks all

[themadcap]

24 NOV 2009

 

Could i not make Lloyds remove it completely as it has been inacurately processing my data for over 3 years (last update jan 06) ?

[themadcap]

11 MARCH 2010

 

Here is a copy of the response from Lloyds

IMG00020-20100311-1012 on Flickr - Photo Sharing!

IMG00021-20100311-1013 on Flickr - Photo Sharing!

 

It appears they are suggesting that they sent the information every month for 3 years but the CRA didnt bother updating, that might be possible but as I have copies from the other 2 CRA's also not updated this would be very unlikely.

Also the account shown as satisfied on 26th Feb 2010 is obviously their reaction to my complaint and not something which had been done automatically.

As for "we have a duty of care to other creitors" does that duty of care not extend to its customers to ensure that the records are upto date?

I do not know whether it is worth trying the fos or going straight to court

Any help greatly appreciated

[themadcap]

Anyone who can help with where I go from here greatly appreciated

[themadcap]

Please read this!!

[Lee Vodafone Company Rep]

OCT 2009

 

Just wondering, I have a CCJ with easymoney lloyds which im in the process of having removed (they agree with me 2 and refunded all court costs) but i also have a default seperatley for this whic h was updated march 2007 and says balance £3470 the balance is now £61 and is finished this month, can i get this default removed as they are clearly showing a bad credit record and that for the past 2 years i havent made payment as this is obviously untrue and have therefore clearly missused my inforation and misrepressented me unfavourably.

Also i have a default from 2005 from vodafone ex singlepoint, as i only ever had a contract agreement with singlepoint i have never agreed that vodafone could use my info when they bought them out

any help greatly appreciated

 

Hi themadcap,

 

Singlepoint's terms and conditions at the time would've specified they could transfer the agreement to another party.

 

As such, any action taken by Singlepoint in regard to recording a default against your credit file will have had their name replaced by ours.

 

In the event that you disagree with the recording of it then you're welcome to get in touch with the Web Relations Team by following our pinned thread Vodafone Webteam-for Customers With Problems and we'll happily take a look at things for you.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[themadcap]

Thanks Lee,

Its not really the vodafone part i'm concntrating on but more the business with lloyds.

I will get in touch via your link though as I would like it removed and as I am a vodafone pay monthly customer due a new contract in October hope with a bit of customer support and thanks for loyalty that we can sort this matter out

 

cheers

[Lee Vodafone Company Rep]

Hi themadcap,

 

Although it's not really as straightforward as that we'll certainly take a look at things for you when we get your email.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[themadcap]

It is really that easy as Vodafone can choose or choose not to remove it there's no legal argument that vodafone have to register every default.

But it is 5 years old now and to be honest I have contracts with voda and orange - (cancelled o2 even though they begged!) and can choose who I stay with.

 

But really this thread isn't about the Vodafone one its the Lloyds one - that no one seems to be answering for me!

[themadcap]

Vodafones response was quite laughable really, "I have arranged for the default to be changed to satisfied" it already should have been satisfied as it was repaid in full in June 2005!

I would not bother down this route with Vodafone as it seems a waste of time and would look via the CEO route.

I will be moving my Vodafone number to Orange come my contract renewal in October as I have current contracts with both and had a default from orange in 2006 who were more than happy to oblige and remove.

[themadcap]

would not bother using their link it is useless

[themadcap]

I think im obviously not going to get any assistance with this

[Lee Vodafone Company Rep]

It is really that easy as Vodafone can choose or choose not to remove it there's no legal argument that vodafone have to register every default.

But it is 5 years old now and to be honest I have contracts with voda and orange - (cancelled o2 even though they begged!) and can choose who I stay with.

 

But really this thread isn't about the Vodafone one its the Lloyds one - that no one seems to be answering for me!

 

Hi themadcap,

 

I'm afraid that we are required to accurately record a customers payment history with us and any negative entries recorded will generally remain in place for six years.

 

In terms of getting some help with the Lloyds issue I'll flag this to the Site Team to make sure the thread is placed in the most appropriate forum.

 

Vodafones response was quite laughable really, "I have arranged for the default to be changed to satisfied" it already should have been satisfied as it was repaid in full in June 2005!

I would not bother down this route with Vodafone as it seems a waste of time and would look via the CEO route.

I will be moving my Vodafone number to Orange come my contract renewal in October as I have current contracts with both and had a default from orange in 2006 who were more than happy to oblige and remove.

 

While I can appreciate your disappointment here I'll double check things with my colleague who replied to you to make sure everything possible has been done and either of us will come back to you later in the week.

 

Naturally I'm not able to comment on Orange's actions I would say however that unless there's extenuating circumstances which need to be considered it's not generally possible for us to remove a default.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[Mr lex]

Thread moved to Lloyds forum.

 

Tx Lee

 

Lex

[themadcap]

Now its moved to Lloyds forum can anyone have a look and see if I have a good legal standing

thanks

[themadcap]

Has anyone got an opinion on this?

[Mr lex]

Hi madcap,

 

but i also have a default seperatley for this whic h was updated march 2007 and says balance £3470 the balance is now £61 and is finished this month,

 

Can I take it this was an arrangement you came to with Lloyds to pay off an account you had fallen behind with?? What was the £3470 for, was it a bankloan or Creditcard ?? What was the default issued for.

 

Lex

[themadcap]

Hi Lex,

If you go through the thread it will becoe clearer but just a quick catch up.

I had an easymoney card which was sent to court for CCJ in nov 2006 I agreed to the CCJ at the time and the balance was £4120, my arrangement with the court was £125 per month so it finished around dec - jan 09-10.

About a month after the judgement I checked up on this account and realised that it should never have got to court as I had been making the previous payment s as agreed to a company called allied alliance, I contacted Sechiari Clark and Mitchell and they told me I was right and the collector had just been late send the payments, they therefore refunded all the court fees (about £240) and said they would get the judgement removed.

About 2 months later i contacted SCM who said I would have to get the judgement removed myself, which im still getting round to.

When I requested my credit file fron equifax and experian i noticed that it stated the judgement and then seperatley a default from LLOYDS for the card showing DEFAULT BALANCE £3740 CURRENT BALANCE £3740 as i said at this time I had one final payment to make of about £61 so that was the balance then yet Lloyds had CRA file had not been updated since March 2007 so didnt show any payments I had made and my argument is that they showed a bad payment reflection that never existed.

Here are Lloyds letters of response on the matter

IMG00020-20100311-1012 on Flickr - Photo Sharing!

IMG00021-20100311-1013 on Flickr - Photo Sharing!

 

thnaks

[themadcap]

This is not a route I would advise anybody to go down you may as well contact vodas c/servs as these people, its exactly the same outcome.

I got my new HTC Desire on orange and vodafone have lost their £40 per month 18 month contract money for the sake of a 2005 £176 settled default that expires in 10 months, great business acumen!

By the way Lee or a member of his "team" never did come back to me by the end of the week.

Hi themadcap,

 

I'm afraid that we are required to accurately record a customers payment history with us and any negative entries recorded will generally remain in place for six years.

 

In terms of getting some help with the Lloyds issue I'll flag this to the Site Team to make sure the thread is placed in the most appropriate forum.

 

 

 

While I can appreciate your disappointment here I'll double check things with my colleague who replied to you to make sure everything possible has been done and either of us will come back to you later in the week.

 

Naturally I'm not able to comment on Orange's actions I would say however that unless there's extenuating circumstances which need to be considered it's not generally possible for us to remove a default.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[Lee Vodafone Company Rep]

Hi themadcap,

 

I'm sorry about this - not too sure what's happened here but will try to track your details down from when you were in touch with us last month and will come back to you as soon as I can.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

[themadcap]

Interesting that 10 months on he still has not "come back as soon as I can" its being dealt with by the directors office as the rest were useless.

Here is a mail if anybody needs it removed

The judgement and default from Lloyds were successfully removed by me so can any mod change the thread to SUCCESS

cheers

Hi themadcap,

 

I'm sorry about this - not too sure what's happened here but will try to track your details down from when you were in touch with us last month and will come back to you as soon as I can.

 

Thanks,

 

Lee

 

Web Relations Team

 

Vodafone UK

Edited February 23, 2011 by cerberusalert

[Lee Vodafone Company Rep]

Hi themadcap,

 

Having just tracked your details down from when you contacted us last year I can see that I did email you on 25th May confirming our position in regard to your query here.

 

Whilst I can't explain as to why you haven't received this I note that my colleagues in the Director Support Office are currently looking into this again and will get back to you as soon as they've got an update.

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK