Default Help - Merligen Investments

[BRIGADIER2JCS]

Hi, you have done the right things so far, was a default actually placed in 2010? To get this clarified I thing you must make a Subject Access Request under the Data Protection Act 1998 ( SAR ) this will get you ALL the information the Original Creditor Holds on you and the account.

[BRIGADIER2JCS]

SAR is essential with the mortgage app coming up.

SAR should be addressed to the Data Controller at the original creditors head office, there is a template in the CAG library.

[BRIGADIER2JCS]

Correct on the creditor, use a cheque or PO clearly marked ''For Statutory Fee Only'' on front and reverse.

Any detail you have e.g. address when you opened the account, any address changes, relevant dates, and a copy of the credit file.

[BRIGADIER2JCS]

Happy to help!!

[BRIGADIER2JCS]

It seems compliant, but your problem is really the late placed default is it not?

 

So a complaint is needed to Merlingen, a little research

shows that they are actually advertise for debts to buy and specialise in 'small ' debts'.

 

To The Data Controller

Merlingen.

 

Ref: use theirs.

 

Complaint re Incorrect Data on Credit Files.

 

Sir/Madam.

 

I refer to an entry made by Merlingen on my credit reference files (attach a screen print of the entry) the default date has been registered on xxxxxxx 2013 when the account was in fact defaulted on xxxxxx 2009.

 

I am aware that some debt purchasers allege that the default restarts on the date they acquire the account, this is of course totally wrong and amounts to manipulation of the records to gain a financial advantage.

 

You are also reminded that the Information Commissioners Office Guidance on Defaults states that defaults should be placed within 6 months of the course of action.

 

 

I now require Merlingen to correct the data is has registered with any/all agencies to which it has reported this account.

 

Failure to comply will result in a complaint to the ICO and the OFT in regard to the conduct of Merlingen in this matter, a comment will be made to the OFT in regard to the fitness of Merlingen to hold a consumer credit licence.

This letter is sent by RM recorded/signed for delivery and receipt will be checked.

[BRIGADIER2JCS]

thanks so much BRIGADIER2JCS... sorry for late reply. been working nights and got man flu hehe

My main concern is just get it dated 2009 yes.

No problem, happy to help!

 

Keep a check on delivery of the letter, please let us know what happens, any problems come back here.

 

Get well soon.

[BRIGADIER2JCS]

For your own peace of mind I think you should check Experian and / or Equifax to make sure there an no entries showing on those agencies.

[BRIGADIER2JCS]

Merlingen shares a director with Fredrickson International it is a fairly new company buying relatively small debt portfolio. established 2012 I believe, as contact cannot be made or is ignored one wonders if the business is in trouble.

 

Simon Jones id the MD complaints I would suggest should be addressed to him.

[BRIGADIER2JCS]

Hi ody, this makes me think that the entries on Call Credit/ Noddle were very old, this is often the case with them.

 

If such data is not on the 2 main agencies it is a good sign.

 

If it comes up again use the contact as in post 17#