HFC to Hillesden Securities

[harrassed senior]

HFC - Satisfactory Settled Jan '05 - Presumably sold on. This appears on my Credit File, there is no default recorded.

 

Hillesden - showing Loan Default - same amount, date of default November '05.

 

My question is, if OC did not issue a Default, but sold on, are Hillesdens allowed to register as defaulted, or indeed, can they issue a default?

 

If I ask CRA to amend files which should be deleted as there is a 10 month difference in dates.

[Pinky69]

There cannot be two entries for the same account. Hilesden's gets removed as it was the later entry.

[harrassed senior]

Thanks Pinky - 10 months saved on SB

[cerberusalert]

If Hillesden aren't chasing you I would leave it until it's nearer to being SB'd before demanding it being removed.

[RoyalIrish]

Mr. A E Locke is a complete prick!

 

He done the same to me purely out of spite!

 

I have a Stat Barred debt (a major point which he will not accept no matter how many times he is told) and he RE-entered it on my Credit Record and fiddled the dates so that it looks like I owe Hillesden money and have defaulted.

 

The original default would have dropped off by now as it's well over 6 years old.

 

I'm not finished with this to55er yet and when I get to the bottom of it I will make a formal complaint.

 

With him it's sour grapes!

 

If he knows he cannot get money from you he will trash your credit rating deliberately!

 

Be very weary of Mr. A E Locke and Hillesden!

Edited April 23, 2010 by RoyalIrish

[harrassed senior]

Thanks for the advice and info Cerb and RI. I will take heed . I actually think this particular alleged debt is for PPI on a loan from Beneficial, so I probably don't owe it anyway. Boot on the other foot for a change, I have helped myself to my own refund

[Pinky69]

Royal Irish - that is one for the Information Commissioner to get the entry removed. Then you can sue Hillsden for general damage to your credit worthiness - the going rate is £1000. Firstly you have to ask Hillsden to remove it. They are touchy about the ICO because they have had problems with breaches of the DPA before - hardly surprising. The ICO complaint form is on their website and you must complain on their form. And complain to the OFT whilst you are at it for good measure. Each complaint is another nail in their coffin.

[RoyalIrish]

Royal Irish - that is one for the Information Commissioner to get the entry removed. Then you can sue Hillsden for general damage to your credit worthiness - the going rate is £1000. Firstly you have to ask Hillsden to remove it. They are touchy about the ICO because they have had problems with breaches of the DPA before - hardly surprising. The ICO complaint form is on their website and you must complain on their form. And complain to the OFT whilst you are at it for good measure. Each complaint is another nail in their coffin.

 

I would like to do this, could you advise me on the steps I would take?

 

Thanks,

 

RI

[Pinky69]

Write to Hillsden and tell them to remove the default as theirs is the second entry for the same alleged account and to default the same account twice is a breach of the Protection Act 1998. Tell them if it is not removed in 7 days you will escalate your complint to the ICO.

 

This is the OFT's address:

 

Enquiries and Reporting Centre

Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX.

 

You can complain that Hillesden have breached the conditions of their consumer credit licence by breaching the DPA 1998. The entered a default for the same account twice on your credit reference reports. The OFT don't deal with individual complaints but they make a note of it in the DCA's file and it comes up when the DCA applies to renew their licence.