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Allyxia

Removal of default - CRA Direct

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Would apprecaite speedy (if pos) advice on this matter.

 

Currently in the process of taking various banks to court regarding charges/defaults.

 

As we are all aware this can take some time.

 

Now despite repeated letters to my various banks (including withdrawel of permission). The CRA are still continuing to display these defaults.

 

I am in the process of applying for a mortgage (on hold pending this reply), and it has been estimated that these defaults would cost an extra £75 per month in relation to my mortgage repayment as it will effect which company will lend me the money.

 

My question is, has anybody had any sucess (zooman?), in contacting the CRA directly and informaing them of the current action that theytaken and the breaches that the financail institutes are making in their unlawful actions by continuing to allow the information to be porcessed, and the fact the CRA are collaberating with them (as they keep informing me they will not take the info down unless the bank tells them to).

 

Help much appreciated as Im in letter writting mood

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Had letter of experian today - this nightmare just gets worse for me!!!!

 

They have said that they have contacted Natwest and Natwest have confirmed that the information is correct, the information is not in dispute and they have not breached the data protection act.

 

The information is not correct as the whole default is made and of charges, and my claim is actaully worth 150% of the total default. The information is in dispute as natwest had until today to file a defence (no news) and they have breached the data proctection act because twice they have been sent (by recorded delivery) the notice to cease processing.

 

To make matters worse experian have stated that they will be removing my notice of correction (which I placed in the interim to state the information is incorrect) within the next 28 days!

 

AS per my pervious post this situationis just getting worse, and I realy could use some help now as I feel like I am sinking further!!!

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Yes i did, but due to the urgency of the matter and NAtwests delaying tactics I cant wait anymore, I need to proceed with my mortage app!

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Well I'm sorry to have to tell you that the CRA will not remove the default. The most they will do is put a notice of correction on your file.

 

If you chose to try and get the default removed yourself, you are looking at a £150 outlay, several rounds of letters and at least 2-3 months before anything gets resolved.

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Ah right. I just dont understand why natwest have responded the way they have when I have court papers to show the amount is clearly being disputed, I mean its a blatent out and out lie!!!

 

Surely this thing with the CRA is life having a criminal record (speaking metophorically) against you, prior to a trial being started!!!! Its a case of guilty until being proved inocent here!

 

My other point is though, experian have said "in light of the fact Natwest have denied any dispute in the default, we will be removing your notice of correction in 28 days".

 

So Im not even allowed tohave a notice of correction on my file because natwets have downright lied about it.

 

Is it worth sending the CRA my court papers to prove the amount is in dispute, if nothing else it would allow the notice of correction to stay on my file?

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Is it worth sending the CRA my court papers to prove the amount is in dispute, if nothing else it would allow the notice of correction to stay on my file?

 

You can try. Post back here and let us know what happens.

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Aye sure will!

 

On a brighter note, Nationwide have agreed to removed the 2 defaults they put on my hubs CRF!!!

 

So Its just my file with Cr**West and OUSBA!!! Grrrrrrrr

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