Two default dates for same loan from black horse.

[cortez796]

This is my first post on here and I hope I have the right forum.

 

My problem is with Black Horse putting 2 defaults with the cra for the same loan.

I have been subscribing to equifax to enable me to keep updated with my credit file.

The default was put on my file in March 2006, dropped of my file March 2012 and was then

put back on my file April 2012 with a default date of Sep 2009.

The Sep 2009 also shows up on Noodle and Experian.

Are they allowed to do this, and were do I go from here.

Thanks in advance for any help you can give me.

 

Corte.

[cortez796]

Bump:-).

[brokebutnotbeatn]

It seems BH are playing dangeraous games re this. The simple answer is no, they cannot apply a second default. I would write a FORMAL COMPLAINT to their Compliance Manager pointing out their error and demanding they stop incorrectly processing your data and remove it immediately.

[BRIGADIER2JCS]

You must make a formal complaint to BHs Data Controller,

copy it to all the CRAs and place a notice of dispute on the

entries.

I suggest that you also send a copy of the complaint to the

Information Commissioners Office with screen prints of the

CRA files.

[cortez796]

I am Already in the process as regards the notice of dispute. Is there a letter template as regards the data controller,

or do i just send a letter of complaint. By sending this to BH am i going to start the 6 years again.

Thanks for the replys so far will keep you posted.

 

Corte.

[BRIGADIER2JCS]

Your letter to BH should containg the following:

I do not acknowledge any debt to BH.

Requests for info do not restart the clock.

The complaint should be addressed to The Data Controller.

[brokebutnotbeatn]

This is my first post on here and I hope I have the right forum.

 

My problem is with Black Horse putting 2 defaults with the cra for the same loan.

I have been subscribing to equifax to enable me to keep updated with my credit file.

The default was put on my file in March 2006, dropped of my file March 2012 and was then

put back on my file April 2012 with a default date of Sep 2009.

The Sep 2009 also shows up on Noodle and Experian.

Are they allowed to do this, and were do I go from here.

Thanks in advance for any help you can give me.

 

Corte.

Were you paying towards this debt during any part of this timeframe?

[cortez796]

Were you paying towards this debt during any part of this timeframe?

 

No I did not make any payments since Dec 2005.

 

Corte.

[BRIGADIER2JCS]

No payment or acknowledgment in writting the the debt is statute Barred.

[BRIGADIER2JCS]

Send the following to their data controller.

 

Dear Sir or Madam,

 

I do not acknowledge any debt to Black Horse.

Formal Complaint in reference to entries made on credit reference files.

 

I write in reference to entries placed on my credit reference files with

xxxxx and aaaa agencies (screen print enclosed), as you will see the

default entry placed by Black Horse in March 2006 has been removed

correctly after 6 years in March 2012.

BlacHorse has then made a new entry in April 2012 with a default

date of September 2009, as you are no doubt aware you cannot place

a new default against any debt and change the default date.

 

You will therefore remove tis wrong and defamatoty entry from these

agencies forthwith.

Such entries as this are damaging to my credit worthiness and as such

cause further difficulties in getting credit.

I expect BlackHorse to compensate me for this matter, I consider

the amount of £100.00 is in order.

I will also be making a complaint to the OFT as this alleged debt

is STATUTE BARRED, so no payment or offer of payment will be

made now or in the future.

Depending on your response I will make complaints to the ICO

and FOS regarding the conduct of Black Horse.

I will allow 7 working days for you to comply.

Also place a notice of dispute on the CRA entries.

 

Send recorded delivery

[cortez796]

Send the following to their data controller.

 

Dear Sir or Madam,

 

I do not acknowledge any debt to Black Horse.

Formal Complaint in reference to entries made on credit reference files.

 

I write in reference to entries placed on my credit reference files with

xxxxx and aaaa agencies (screen print enclosed), as you will see the

default entry placed by Black Horse in March 2006 has been removed

correctly after 6 years in March 2012.

BlacHorse has then made a new entry in April 2012 with a default

date of September 2009, as you are no doubt aware you cannot place

a new default against any debt and change the default date.

 

You will therefore remove tis wrong and defamatoty entry from these

agencies forthwith.

Such entries as this are damaging to my credit worthiness and as such

cause further difficulties in getting credit.

I expect BlackHorse to compensate me for this matter, I consider

the amount of £100.00 is in order.

I will also be making a complaint to the OFT as this alleged debt

is STATUTE BARRED, so no payment or offer of payment will be

made now or in the future.

Depending on your response I will make complaints to the ICO

and FOS regarding the conduct of Black Horse.

I will allow 7 working days for you to comply.

Also place a notice of dispute on the CRA entries.

 

Send recorded delivery

 

I can not thank you enough for the wording of the letter to Bh as I was struggling to put into words what i wished to say.

 

I will get this sent tomorrow and keep you posted on any reply.

 

Thanks again.

 

Corte

[BRIGADIER2JCS]

You are most welcome.