Cap 1 refuse to remove default after ombudsman order

[Guest]

..........

Experian removed the whole record from my report, as if it never existed. I would have expected Equifax to do the same....

 

ditto. did experian also have missed payment markers that were removed? as you say, you paid, ppi was ordered refunded thereby reverting back ie put back as if no ppi, and never missed a payment.

[workaholic duck]

Exactly, Ford.

As far as I remember Experian had late payment markers. I was so surprised to see the whole a/c had disappeared from my record, as if it had never existed. Score shot up!

I find Equifax very difficult to deal with compared with Experian.

[Durkin]

The satisfied default and markers, I'm led to believe, are just as bad as the default.

 

Continue your action until it's clear.

 

It sounds like you're not too bothered about the £5K if you can have a clean file but it would teach them not to screw others so readily.

 

I've waited 5 years for FOS to get their act together (or not!) before. The court should have this sorted within a couple of months (1 month in Scotland - but yes only £3K).

 

This is far from trivial. I'm taking them to the Supreme Court to prove it.

 

 

Cheers,

 

Richard.

Edited November 8, 2012 by Andyorch
speculative words removed

[workaholic duck]

You are right, of course, Durkin. It is all in the detail, isn't it? These organisations think it's ok just to do the minimum amount of work and even then they have to be pushed. Hard.

 

I am certain the markers have a negative impact.

 

Obviously, I'm keen on getting 5k! The last time I was in court, though, the judge looked upon me as if I was fighting just for the hell of it, because I could!! I did win. He refused to give me compensation apart from expenses to/from court.

 

I need to make clear in my mind now what I'll be asking for: removal of late payment markers, interest refund (earlier post) and compensation for 4 years of being un-creditworthy? Do I have to itemise the different figures? Or lump it all together in the max 5k and hope the judge understands I am NOT wealthy! And it is a serious issue - not only for me but everyone else.

[Durkin]

It seems that you should ask for the complete removal of default info as per Experian.

 

Just ask for £5k (maximum small claim) simply for general damage to creditworthiness (defamation).

 

Use my case and ensure you show up (Showing up of course is the hassle and it can lead to an inconvenience that many folk are happy to avoid).

 

It seems you'll be sorted soonish though, either way.

 

Cheers,

 

Richard