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Hi I was wondering if you can give me some advice on Experian & how they record debt. I have 2 questions (sorry!)

 

 

The first o an IVA 7 years ago. Barclays was one of my creditors. They were notified by my insolvency practioner but they carried on sending me hassling letters. I then wrote to them & showed a copy of the IVA. They have taken no notice and it is still showing on my credit file after 7 years. Experian said they cannot remove it until they get notification from Barclays (Not a chance as they just wont compile with any instructions)

 

 

2nd question Is this my daughter had her new phone stolen in Germany in 2015. I immediately rang T-Mobile to inform them of this and they said I shouldn't cancel it as they cld track her phone for her. I said the thieves would have probably be using this as we speak and insisted they cancel it. They did so. I now find they are registering a debt every month as if I am not paying for it. She hasn't got a phone from them anymore. I told Experian and they said I need a letter from T-Mobile but they won't give me one. HELP!!

 

 

Thank you

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your beef lies with T mobile so you need to raise a formal complaint with them in writing

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Probably best if you keep these two issues separately.

 

Is there an administrator for an IVA ? If so, then they should have been a bit more forceful. I suggest you make a formal complaint to B/shark's head / registered office, in writing - they have 8 weeks in which to provide either a satisfactory resolution or a final response letter within 8 weeks - after which time you can take your complaint to the Financial Ombudsman - this for the way in which B/shark have behaved in respect of your IVA and the harassment.

 

You would need to make a complaint to the Information Commissioner in respect of the credit file issue - had B/shark started adding default markers to your credit file prior to your going on to the IVA ?


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In relation to the phone...if this was a contract, you are still liable for the monthly payments for the contract period regardless of whether you have the handset or not. :(

 

I guess its why they try to sell their insurance.

 

Hope that helps

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