Removal of credit information from credit file / Lowell

[Jimmy Neutron]

Lowells have advised me that they cannot obtain a CCA from an alleged account with ASDA Credit Card. I asked them to remove all information from credit reference agencies but they have replied by saying that they are not allowed to as they are required to provide accurate information which reflects how the account is ran.

 

What account, they cannot provide any evidence of an account?

 

How can I get the information removed from my credit files

 

Many thanks in advance

[silverfox1961]

Hi

Are you saying the information on your credit file is wrong? If not then there is very little you can do about it.

Nowadays, a creditor does not need an agreement to mark your file. All they have to prove is that you had use of the facility and that would be fairly easy to do (statements) The use of the facility means that you agreed to them reporting to the CRA's

[Jimmy Neutron]

Thanks Silverfox, now I was under the impression that they needed my permission to do this

 

"To register information with a credit reference agency, you must have written consent from the customer to collate and share such information. This consent is given in the form of a signed credit agreement"

[Guest]

jimmy

see for eg the ico guidance on defaults (which is what they all should at least adhere to)

 

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[Guest]

see also the Lending Code for eg, #4 here http://www.consumeractiongroup.co.uk/forum/showthread.php?56391-Examples-of-codes-of-conduct