'Outstanding Debt' credit search

[nobodyuknow]

I have two debts with BT, one for over £200, one for less than £50, relating to broadband and telephone, which I do not acknowledge, for various reasons.

 

These have been through 'SC Gray Solicitors' and 'Commercial Credit Services', both of which I think are the same.

 

I offered them a settlement for about one third of the larger amount, by email, acknowledging no liability, they told me to call them, which I declined to do.

 

Since then they occasionally call my mobile and send me letters, which doesn't bother me.

 

I've checked my credit report and while there wasn't and isn't any reference to BT, there are three 'Outstanding Debt' searches by 'Pastdue Credit Solutions Ltd' made over the last four months, recorded in 'Table 1: Credit Searches'.

 

Incidentally Pastdue just offered to settle for 60% of the larger amount having previously I think offered to settle for 75%. I think they might have given up on the smaller debt.I'm inclined to ignore it too, on the basis that they are liable to go down further and/or eventually forget about it.

 

The question is do they have any right to record these 'Outstanding Debt' searches on my record? Can I get them removed?

[dx100uk]

discounts = no debt

 

as for the searches they should not be harming you and go after a few months anyhow.

 

dx

[nobodyuknow]

Thanks, will continue to ignore.

[inkslinger]

discounts = no debt

 

as for the searches they should not be harming you and go after a few months anyhow.

 

dx

 

On what do you base this on dx? In my experience DCA's generally wont remove table1/Outstanding debt searches without kicking up a major fuss and complaining. In fact in some cases it took me several goes to get these off, and CapQuest have started it all over again after years of being in contact with them and despite not owing them a penny!

[dx100uk]

ping brig

 

he'll do a letter

 

dx

[BRIGADIER2JCS]

Hi Looking in as requested by DX.

To answer your question re the OSD searches yes

they do have the right to search your credit files

the ICO state that they must have a reason to search

that is ''allowed'' by one or more of the ICOs 8 princples.

Getteing them removed is very difficult unless you

have evidence that shows the searches were inappropriate

for some reason.

Your way forward is if you have not been contacted by

Passed Due in writting is a formal complaint to their

Data Contoller, there is no reason for them to remove

them as far as I can see but try this.

 

The Data Controller

PD

 

Ref:xxxxxxxx

Formal Complaint.

 

Dear Sir or Madam

 

I write in reference to searches made on Table 1

of my Equifax credit files, I have no knowledge of

and do not acknowledge any debt to you or any

company you claim to represent.

I believe the searches are unfair and want them

removed from my files held by all credit reference agencies

you may have used.

I can see no valid reason for these searches.

 

 

The problem I see is that the number and frquency

of the searches is reasonable compared to some I

have dealt with in the past eg., 14 searches in 1 month.

[inkslinger]

Im not sure if that answer was for me or the OP brig,

but in my case they know where I live,

Iv SAR'd them on two separate occasions regarding another matter.

 

Iv got 3 years worth of letters from them.

They are well aware of where I live.

I don't owe anything and I highly suspect this is a touch of revenge for being a pain in the backside over other matters.

 

Nine days has gone by and they haven't wrote to me at all.

 

Iv emailed the data controller 3 times, complained to equifax and experian.

 

I'm determined not to have this on my record.

 

I dont need any credit but I object to this approach, I think its an abuse of power.

[dx100uk]

Im not sure if that answer was for me or the OP brig,

but in my case they know where I live,

Iv SAR'd them on two separate occasions regarding another matter.

 

Iv got 3 years worth of letters from them.

They are well aware of where I live.

I don't owe anything and I highly suspect this is a touch of revenge for being a pain in the backside over other matters.

 

Nine days has gone by and they haven't wrote to me at all.

 

Iv emailed the data controller 3 times, complained to equifax and experian.

 

I'm determined not to have this on my record.

 

I dont need any credit but I object to this approach, I think its an abuse of power.

 

both of you same issue but itsnot nice to hi-jack some elses thread

 

dx

 

 

dx

[inkslinger]

Sorry, it wasn't intended to be a highjack. My original response was more a question/statement. But I get your point dx. Duly noted. ;-)

[brokebutnotbeatn]

write - send recorded delivery. emails will go into 'junk'...

[BRIGADIER2JCS]

write - send recorded delivery. emails will go into 'junk'...

 

Agreed always letter addressed to the company officer and send RD