Late Payment Markers - more than a dozen '6's

[nicenurse1]

I sent it to thier HO in Nottingham and stated the Data protection guidleines and the Technical Guidance on defaults. As per a previous post which I basically copied thier letter.

 

[IainHL]

Oh ok I didn't realise that, I will give them a while longer. No didn't write Formal Complaint anywhere. Hopefully when and if they reply I can go from there and actually see what the score is.

 

See as I havn't spoken to them for nearly 7 years i'm not too hopeful of them replying anyway tbh. But I live in hope!!!

 

Thanks for the advice

 

Well, for what it's worth, my suggestion would be to give them another week (21 days ought to be enough for an initial reply). If you have not heard anything by then send them a copy of the letter, with a covering letter stating that you have not had a response, that you know it was received by them (give the Royal Mail Tracking number), and that you wish them to consider it as a "FORMAL COMPLAINT".

 

Send it to:

Compliance Department

Welcome Financial Services Limited

Mere Way

Ruddington Fields Business Park

Ruddington

Nottingham

NG11 6NZ

(How sad am I, I've just done that address from memory? Someone please correct me if I've got it wrong!)

[nicenurse1]

Haha yes thats the right address I sent the last correspondence there.

 

[nicenurse1]

Just been reading the technical guidance notes again and found this VERY interesting:

 

'Any default record should be accurate. We normally expect a lender to keep records that are necessary to show an agreement exists and to support filing a default. We would also expect a lender to be able to produce evidence to justify a default record they had placed on a credit reference file.'

 

I'm now wondering if this is why the default never occured. I doubt WF have any of the original paper work to my agreement??? I CCA'd them a year ago and never got a reply.....mmm the plot thickens!!

 

[BRIGADIER2JCS]

As WF only exists (virtually in adminstration) to collect oustanding and very

often extremely old book debts, it's useful to them to have ''live'' accounts

to chase up, it amounts to using the CRAs as a filing system.

 

Many companies in this situation have similar situations.

[nicenurse1]

Does someone physically update this markers on the CRA or do you think its done automatically?

 

What do WF have to gain by having these old accounts open or do you think it's done out of spite? And also my debt has not been chased for 6+ years.. seems strange.

 

[drewx23x]

I have the same problem with WF. My last payment was 01/09 and its all 6's until last week when it went to an 8 and now its defaulted. When surely this should have been done back in 2009. I have read all posts here and think I will send them the letter above. I can't have this on file for another 5 years.

[nicenurse1]

That seems to be typical of WF and totally unfair, it seems as if WF want to bring as much misery for as long as possible!!

 

Yes definately complain as Brigidier says the more people complain about this the more chance we have of winning!!! Go for it and send to the Nottingham address to The Compliance Officer.

 

Good luck, and let us know the outcome.

[BRIGADIER2JCS]

Yes get complaining I have sent 11 complaints in 2 weeks and copied them to the regulators.

[nicenurse1]

SUCCESS!!!!!!

 

Hi everyone,

 

Thought you would like an update!

 

After complaining to the ICO it appears it has worked! I checked my credit file today and Welcome Finance have updated it where as it was showing 6 6 6 6 6 6 6 6 6 for the last 6 years!! It is now showing 0 0 0 0 0 0 0 0 0 0 for the last 6 years and is green!!!! The debt is also statute barred.

 

My credit score has gone from 320 to the dizzy heights of 750!!! Not amazing but a good start!!

 

I should recieve a letter from the ICO soon to explain what was done. They wrote to me a few weeks ago to say that I had a case and they were dealing with it.

 

My advice if anyone is having this problem then please complain to the ICO, it worked for me and this issue has been going on for 6 and half years.

 

Thanks for all the advice guys I am one happy person today!!!!

[BRIGADIER2JCS]

Good result!!!!!

[IainHL]

That's good to hear NN1. I must chase Welcome again for my own report. Currently they've had more than the 8 weeks that I know I must leave before going to FOS, but the reporting issue was wrapped up in one complaint that included other matters.

 

Interesting to note that you went to ICO rather than FOS. I suppose that makes sense since you were quoting the ICO Technical Guidance at them!

[BRIGADIER2JCS]

Data errors on cra files is a matter for the ICO, to use FOS one must exhaust all other avenues to resolve a problem.