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R they taking the ****


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I logged on to my girlfriends equifax just now and have noticed the following file has just been added onto her credit file. Now this at no time has ever been on her file and yes going to take the neccessary steps again to get this removed but are they just simply now taking this too far. What i would like to no is where the Hell has this data come from. Look at the date of the default if this ever did happen and look at when the file was last updated. How can it be last updated 5 years ago when it has just appeared from nowhere without warning :o Someone is really really taking the P!ss now. :mad:

 

Entry Number:C3 Name and address:MRS X XXXXXXXX

XX XXXXXX XXXXXXX XXXXXX XXXXX XXXXX

Company name:GRATTAN PLC

Account type:Mail OrderStarted:06/07/2000

Default Balance:£164

Current Balance:Satisfied

Defaulted On:06/02/2001File updated for period to:04/11/2001

 

Status History:[8.gif]

 

(brackets indicate most recent status)

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

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grattan catalog

 

probably with dca who default right away

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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grattan catalog

 

probably with dca who default right away

 

I think that you missed the point there. Whether it was transferred to a DCA or still with Gratten according to the file it is all satisfied. Whether it was defaulted or not again shouldnt matter. The concern i am trying to make is that it has only just appeared on the credit file 5 years after the default started and 5 years after it was satisfied. Also the file shows as being last updated 5 years ago. So how on earth can file that has not been on a credit file all of a sudden show up today after 5 years of when the file shows as being last updated?

If it was updated today with all that info then you can understand how it has suddenly appeared but it was last updated 5 years ago but was never on the credit file ever. It has just appeared.

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

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that is odd. Did you query cra's

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

Mortgage Express charges- settled in full after issuing claim

 

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

To view the FAQ'S click here: http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

To view the PRELIM letter click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/516-1-data-protection-act.html

To view the Letter Before Action click here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/92-3-letter-before-action.html

To find Registered Address:

http://www.esd.informationcommissioner.gov.uk/esd/search.asp

 

 

If my advise helps click here http://www.consumeractiongroup.co.uk/forum/reputation.php?p=366404

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Do you have a copy of her credit file before this one ? it could be good evidence.

Same thing happened to me, there was 1 on mine (should not have been there) Nov 04 when I was trying to sort that out RECENTLY 3 just appeared on it and on Callcredit 4 appeared ?????? I did not have any proof though as I got them online and you can't see them after a month. I should have printed it off but I had NO IDEA what was about to happen.

 

I have to say even if wrongly placed whenever/whatever they will NOT take it off, it is like trying to get blood out of a stone.

 

Think its time for Surlys Template letter to Grattan.

 

Halifax

Sent LBA
27/6/06

Been on hol for a week, got home found letter from them dated
27/6/06 offer of £92 claiming £1155.10 so no deal.

Filed claim with Moneyclaim 12/07/06

Halifax acknowledged claim 25/7/06

Court papers received 28/7/06 Halifax intend to defend.

HALIFAX SETTLED IN FULL 1/8/06

Donation made

Birmingham Midshire (mortgage charges) Prelim letter sent 2nd Aug 2006, full offer received 11th Aug with conditions.

13th Aug accepted offer unconditionally.

BIRMINGHAM MIDSHIRES (MORTGAGE) SETTLED IN FULL 24/8/06

Sent SurlyBonds template letter to get defaults removed to Birmingham Midshires 27/08/06

DEFAULTS REMOVED 5/09/06.
THATS 9 DAYS LATER, YES 9 DAYS

 

 

 

 

 

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