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Noddle CCJ removed but loan still on account


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Hi, I just wanted to check this out, in 2009 I was unfortunate enough to be given a CCJ by Suzuki Finance Limited for a car loan that I couldn't repay which was through Black Horse Finance. I made a payment arrangement and am still paying off the CCJ (which I will be doing until I die as they repayment amount is only £10 per month). I have paid the CCJ every month without fail and it reached 6 yearsicon old earlier this year and was removed from my Noddle account.

 

However, even though I have never missed a payment the entry is also showing in "other accounts" on my credit report and I noticed that last month the default date has been changed to 12/7/12. Can someone advise me if Black Horse or Suzuki Finance (whoever has done this) are allowed to do this please?

 

I have reported the matter to Noddle as default date incorrect and I'm waiting to hear from them.

 

Thank you

Maybe

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I would have thought that both references would have been removed and NO, they cannot alter the original default date.

 

Do you have any idea, who has changed that date ? If you can establish that, I think you need to write a letter to them asking them to remove it.

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Perhaps send your letter to the one you are making payments to, with a copy to the other. At the very least obtain a free proof of posting from the post office, so if you need to follow up your complaint, you have proof that it was sent.

 

I suspect you might end up taking this to the Information Commissioner, but you need to follow procedures - even if the companies don't !

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

1: How can BCOBS protect you from your Banks unfair treatment

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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