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    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
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RugbyPete

Credit file being wrecked by Tesco yet they dont know who I am

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Tesco persistently report to my credit file an account' unpaid for 6+ monhts' Every single month! It doesnt default or anything, been there since 2003, it looks like an open account.

 

Ive asked them, they cant find me on the system. Ive told Experian to remove it they say its with Tesco customer service.

I asked Tesco for a credit agreement, they said I needed to provide more information as they cant find me (??)

I told the data controller to remove me, I got another letter saying I had to call customer service, which I did, but as Im not on their system they couldnt help me.

I went to the Financial Ombudsman, they said its been 12 months since my original complaint and so they cant help.

 

This is driving me insane! It looks like Im not paying something... that hasnt defaulted.. like an open account... 6 months or longer, every month it reports this and no-one can remove the entry!

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Did you have an account with them ?


 
 

Any advice I give is honest and in good faith.:)

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No, I dont know what this is

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i would send an email to tesco as well as a letter with a print of the file and state that if they do not remove there entry from your file then you will take them to the small claimes court without further notice, for every 30 days on the file charge them £1000 i bet that will make them shift it


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Is there an account number on the Credit file ?

 

Have you moved address since 2003 ? If you have defaulted on something, then there should be no reporting now as it is longer than 6 years !

 

Do NOT telephone anyone - write a letter headed OFFICIAL COMPLAINT to Tesco at their Head Office.

 

Pretty much bullet point what you have already said here - enclose a copy of the Credit file that has that particular record listed.

 

You want to know

 

Why they are reporting to your Credit File, especially as they say they have no record of you at all - you enclose proof that they are doing this.

 

If they cannot substantiate the reporting then they are to remove it immediately -

If you have moved since the reporting started - then you should provide them with that address as well.

 

It might be that you end up having to send a Subject Access Request, which will cost you £10.00 - this is a request for all data that Tesco have in connection with any financial dealings. If they still come back and say that they have no record of you - it would appear that they are incorrectly reporting and you should put in a claim for compensation - especially if you have suffered detrimental credit checks with this present, then you should think about a claim.


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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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Where would I claim compensation? Also, I have a CCJ fromt he ex wife not paying a bill in my name so I doubt I could prove it was them soley affecting things

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You would claim compensation from Tesco - it would probably be quite low if isnt solely the Tesco issue that is trashing your record. However, you do need it removing if there is no debt or if the oriignal reporting date is older than 6 years.

 

If there was a debt - then it is almost likely to be statute barred and they wouldnt be able to pursue it .. well not in court, because of the statute of limitiations. But again - they should not still be reporting.

 

You need to find out if there is/was a debt. If there isnt then why are they reporting - if there is, when was the default date.


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Uploading documents to CAG ** Instructions **

 

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4: Staying Calm About Debt

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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

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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.

 

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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OK for claification please, You have never had a Tesco Account?

The reported account is in your name?

Is the address correct?

 

I can draft a letter for you if you wish???


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OK for claification please, You have never had a Tesco Account? Not that Im aware

 

The reported account is in your name? Yes

 

Is the address correct? It is listed against my current address, as Ive since asked for a credit file.

 

I can draft a letter for you if you wish??? Sure! :)

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OK This goes to the Data Controller at Tesco Bank by recorded delivery, check that they receive it.

 

The Data Controller

Teco Bank

 

Ref:Formal Complaint: Alleged Account No.xxxxxxxxxx.

 

Sir,

 

I refer to the above mentioned account which Tesco claim I am resposible for, please take note I do not acknowledge any debt pr liability of any kund to Tesco Bank fot the following reasons.

 

1.I am not now nor ever have been a customer of Tecsco Bank or Its' predecessors.

2. I have never held and debit card or cheque book related to the alleged account.

3 I have never used and facilit, deposit, withdrawal or overdraft if any related to the alleged account.

 

Tesco Bank have failed to properly investigate this matter in the past and have continued to report this fraudulent account in my name to credit reference agencies

thus seriously affecting my ability to obtain credit I now demand that ALL references to this fraudulent account are removed from ALL credit reference files with immediate effect, a report will be made to the Information Commissioners Office regarding the serious damage Tesco Bank has caused to my credit worthiness.

 

I now consider that Tesco Bank should as stated remove all references to this account from my credit files, and seriously consider makeing a Substantial Offer of Redress for the stress and anxiety it has caused and the damage caused to my credit reputation, having given due consideration to this matter I believe redress in the amount of £1500.00 is appropriate, should Tesco Bank wish to dispute this matter further it MUST provide unequivocal proof that I have any liability for this account.

 

I trust that due to the time this has been contested that Tesco Bank will now make a speedy and sinsible decision on this matter, I beleive 14 days would be more than adequate.

 

OK!!


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So i got my credit file - its been 'gone away' status for 7 years.

 

surely this is now statute barred and void?

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That's a GAIN entry you may have to challenge to get it removed,


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So i got my credit file - its been 'gone away' status for 7 years.

 

surely this is now statute barred and void?

 

Would certainly be statute barred (so long as you have neither paid anything or acknowledged any liability) and yes, I would have thought that it would have dropped off your file by now !


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Uploading documents to CAG ** Instructions **

 

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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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Is it just the GAIN entry that shows or an actual account.?


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yep, just the GAIN. But i still say to tesco, i do not acknowledge it. Tesco cant find me yet the address is the one on my file (so how have i gone away) odd.

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You will need to write to the data controller at Tesco and request removal, you can place a dispute on the CRA files.

 

Have you checked all the CRAs as this will probably appear on them all.


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yep, on all :/

 

financial ombudsman actually got back to me and said i should send them my credit file - im wondering if i should or just persue by myself

 

I worte to the data controller - he ignored my letters :/

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Yes send it to FOS.

There used to be some instruction on CRA files about GAIN & CIFAS entries take a look.

Take it up with the DCAs of each CRA.


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Showing my ignorance, what is GAIN ?


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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Showing my ignorance, what is GAIN ?

 

GAIN stands for the Gone Away Information Network. It is a trade organisation that shares details of customers who have had statements and other correspondence returned undelivered by the Post Office, marked ‘gone away’

 

:-)

 

 

Yes I did pilfer it from elsewhere :lol:


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:lol: Thanks ims .

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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ok, an update.

FOS called, said it was bad news. They sent me a secure letter online. Basically it said "Tesco have aproven they are not in breach of anything by showing the FOS a file at a previous address for the said amount. I have a credit account and owe an outstanding balance, moved house and so they could not update me. As i have taken 12 months to follow this up the FOS cannot help me further".

So, thats them out of the game. I want this removed,

 

I need to challenge it with them directly, it seems.

 

Should this be done via the usual "prove it via a credit agreement" method or Brigadier, your letter?

 

Can i request £1500 or will they laugh it off.. what is to be done when they ignore this letter?

Edited by Conniff
Link not relevent.

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Yes the letter in post 10# applies.

 

I would avoid the learnmoney suggestion just looking through them a couple of this jumped out:

1 Requesting a copy of a ''deed of assignment'' this is a commecialy sensitive document not for

public scrutiny unless ordered by a court.

2 Default notices are not normally archived as hard copy, a note is made on the debtors file tha a DN

was sent on a spevific date.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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ok, ill send your letter now then.

 

I really need a mrtgage, and this kind of rubbish is playing havoc

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