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Hello,

I have been a member of this group for several years but change of pc's, email addresses and loss of passwords has forced me to re join.

 

 

So a question on the very first post...I apologise !

 

I have lived in France for the past 10 years

 

 

now need to return to England for personal reasons.

 

 

I want to check my credit score but need to provide an English address to do so which I don't have.

 

 

I know I have a Barclaycard account in arrears but have not received a statement from them since September 2007

but have continued to pay a small amount each month.

 

Because I can't access my credit rating can others eg. letting agency ?

 

Thank you in advance.

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I would expect all your debts are well defaulted and not showing now

 

 

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

.

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

.

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

.

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

.

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

.

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

.

Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

.

Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

.

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

.

Send with a £2 postal order.

.

You can use Experians online free trial. just make sure you cancel before the trial runs out

.

Address

.

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

.

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

.

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

.

*My full name*:

.

*My Maiden Name: *

.

*My Date of Birth*:

.

*My current Address*:

.

I have lived at the above address for XX years.

.

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

.

*This letter must not be regarded as granting your Company any Data Consent*.

.

Yours faithfully,

.

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

.

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

.

there is also

www.checkmyfile.com

.

....ends

.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thank you for your advice.

But unfortunately I don't have time to write before I expect to return to the UK and get their replies back, hence trying to get it on line.

Though I have just 'phoned Barclaycard and they have given me a settlement figure verbally and will not put it in writing.....

I was told that paying a percentage of the full balance will effect my credit score in future, but at the moment it's classed as a default.

Which is worse a default on my credit rating or that it shows up as a partial payment ?

Sorry to ask but now truly baffled.

Thanks again

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if they are offering a discount

 

 

that means there are PENALTY charges and PPI to be reclaimed

 

 

and prob alot more than the discount given.

 

 

I'd get into the UK

get settled and SAR them.

 

 

I wwould not be paying them

 

 

paid or not

a default stays for 6yrs from its birth.

 

 

then the whole debt vanishes never to return to the file

 

 

doesn't mean its not due mind.

 

 

however, as I said earlier, if you debts are +10yes old

they wont be showing now anyway

 

 

so they are not and cannot harm your rating.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Once again thank you.

Not sure if I paid PPI

 

 

all I know is that interest stopped going on the card balance in 2007.

 

 

all I really want now is to clear that debt up even at a reduced amount

in the hope that my current credit rating will not affect me renting a house.

 

 

I'm still not sure if anyone can call up a credit rating in England about me

as I've not had an English address for over 10 years

 

 

which is the reason I've asked here.

 

 

Need some address to go on the Equifax form and none available for me at this period of time.

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after 10yrs your credit rating will be clean anyway

 

 

you are worrying about nowt.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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