Help with Challenging Default

[dw8rr3n]

Hi all

 

I have just been helping my sister check her credit file for the first time.

 

As it stands everything looks fine apart from a default from May 2008 registered by Arrow Global Ltd for £161.

 

My sister did mention that she'd had some issues with someone fraudulently using her name years ago as part of a [problem] with a mail order catalogue

but believes this was resolved at the time.

 

She has no idea what this is for and is not aware of every receiving any type of default notice from anyone.

 

Is there a standard request she can fire off to Arrow Global Ltd asking for details of what this (supposedly) relates to?

 

Thanks

[BRIGADIER2JCS]

Not Really any thing standard on this situation

So send this to the Data Controller at Arrow.

 

Dear Sir or Madam,

 

Re: Entry on Credit Reference Files Held By xxxx Credit Reference Agency.

 

Please Take Note I do not acknowledge any debt to Arrrow Global or any company

you make claim to represent..

 

I have check my credit file (copy attached) and have discovered any entry made

by Arrow Global.

 

I have no knowledge of any liability to Arrow Global and require a full detailed

explanation for this entry forthwith.

 

At no time have received any default notice or notice of assignment of any account

to your company.

 

I require your response within 7 days.

 

Recorded delivery.

 

If nothing is forthcoming it may be necessary to use

other means to get the data, just try this first.

[dw8rr3n]

Thanks for the response.

 

Since posting this I've gone through the detail on her MyCreditExpert file and noticed the Date Of Birth associated with this default entry isn't even my sisters (completely random DOB). This leads me to think this could relate to the issues she had years back with someone fraudulently applying for credit using her details.

 

Will fire off your template and see what happens!

 

Thanks

[BRIGADIER2JCS]

Is this Entry on Experian or is it taken from a site like Credit Score Matters.?

I would check Equifax as well for dodgy entries.

[dw8rr3n]

Yes - this one is Experian as its from creditexpert.co.uk.

 

I have ordered a copy of her Equifax file (paper version for £2) so should have that this week to compare.

[BRIGADIER2JCS]

Ok next step when have time, place a notice of dispute on the files

with each CRA.

 

When you have the info come back here and I'll draft a letter for you,

to challenge this.

[dw8rr3n]

I'm in two minds about official notice of dispute as from what I understand (most probably incorrectly) any official notice of dispute (even if it succeeds) will automatically create a flag on any future search of her credit file.

 

Is there any truth in this as if there is I would rather try the informal approach in writing first?

Edited July 29, 2012 by dw8rr3n
making my response clearer

[BRIGADIER2JCS]

Only beneficial the notice states that there is a dispute and

that potential lenders should take note of the dispute when

considering lending.or words to that effect.

[dx100uk]

id get a 2nd cra file too

 

noddle is free

 

see below

 

dx

[dw8rr3n]

Hi all

 

Picking this up again. I got no response first time around (sent recorded) on letter dated 2nd August.

 

Anyone got any recommendations as to how i can up the ante with them and at least get a response?

 

Thanks

[dx100uk]

so was it signed for?

 

dx

[dw8rr3n]

Hi

 

Yes it was signed for but there has been zero response. I know I should of followed up before now...

[dw8rr3n]

I've just submitted a request to Experian directly after reading this - http://forums.moneysavingexpert.com/showthread.php?t=4212163

[BRIGADIER2JCS]

A few thing wrog there;

1.Arrow g

|Global did nt initiate the default the original creditor did so and AG will have updated when they aquired the debt.

 

2. The CRA is reporting only what they are told and have no way of checking the voracity of info supplied to them.

 

3.They should have course contacted AG when you raised a disputed the entry.

 

4.DID PLACE NOTICE OF DISPUTE ON THE FILES?

[dw8rr3n]

Hi

 

Experian have raised dispute statement against this account on my sisters file. This is marked as 'Y1'.

 

They said they are also going to contact Arrow Global.

Should I try Arrow Global again or wait and see what Experian get back?

If I should try them again what's the best approach to try and get a response

 

Thanks

[BRIGADIER2JCS]

The standard answer from a CRA is ''we have contacted xxx and they have confirmed the entry is correct.

So yes try AG again.