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Explanation of information held on credit file ( Noddle )

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I just followed a link supplied by Bandit127 for `Noddle` free credit file info for life.

I tried to register but was not accepted. Then my wife suggested I register in her name.

The site accepted my wife`s application and so we checked what was on file.

 

It showed three accounts.

Two were up to date and correct. But, it showed one in default for £200.

 

It had been registered by Lowell in 2009.

 

My wife explained that the account is in relation to mail order and has always been in dispute.

Letters were exchanged, telephone conversations had etc.

Threatening letters received etc.

But then nothing heard for years.

It came as a bit of a shock when the wife read this information.

 

My wife has never received any information about this being on her credit file.

 

We thought that the debt collection agency could only put this on someones file, if the case had gone to Court.

 

Can anyone elaborate on the criteria, that enables Lowells to put this information on ones credit file?

 

Many thanks

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The original Creditor should have been the one to place the default on the file (if this was correct) and the new owner, Lowells can only update it.. they cannot change the default date. They can only update it for the 6 years from when the default was first placed by the Original Creditor. It has absolutely nothing to do with going to court or not.

 

Do you know when the account went into default with the original creditor and when it was purchased by Lowells.

 

If no acknowledgement of liability or payment has been made to the account for 6 years then it is statute barred anyway.

 

I have attached some information on filing defaults with Credit agencies below for you. Just shout if there is something you dont understand or want more help.

 

If you find they have incorrectly recorded the default then you can add a notice of correction with the agency. Or you can ask them to remove it.. I am not quite sure how that is done.. so you will need to wait for more experienced advice on that :)

 

http://www.ico.gov.uk/~/media/documents/library/data_protection/detailed_specialist_guides/default_tgn_version_v3%20%20doc.ashx

 

[ATTACH=CONFIG]40191[/ATTACH]


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Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

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Thank you CB for the info. Things are a little clearer now.smilie.png

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Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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