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Provident and wrong Default dates following bankruptcy **WON REMOVED**


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Hi

 

I feel as if I should know how to do this by myself but age is catching up with me & the brain's not as sharp as it once was so any help will be greatly appreciated.

 

I went bankrupt in 2010 & was discharged in 2011.

 

When checking my credit file with Equifax - all ok but Experian have a default with Provident marked against me, dated 2011 !

 

Prov were definitely included in the BR & I know they are wrong to have marked the default after the date of the BR so I wrote to them demanding they rectify the information they provide to Experian, posted recorded delivery & good old RM didn't get a signature to show whether it had been delivered !

 

What do I do now ?

 

Do I send the same letter, this time by Special Delivery ?

 

Do I do nothing & wait for 28 days then if no response from Prov, complain to the ICO stating s7 Interpretation Act ?

 

Do I send the same letter, this time by Special Delivery but pointing out the 28 days started from the date of the original letter ?

 

As I said, any help will be greatly appreciated. After 6 years of waiting, it's a pain in the proverbial not to have a shiny clean credit file :frown:

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Simply write again 2nd class free proof of posting

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Thanks dx but if I have no proof of delivery, surely Prov will keep on doing nothing but supplying Experian with incorrect information.

 

Are you saying just wait the 28 days then slam a complaint into the ICO, citing s7 Interpretation Act ?

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Give them 14 days [all you need is proof of posting recorded or sign for is a waste of time]

Then off to the ICO regardless

Correct the default date or I will

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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LOL, postie's just delivered & there's a letter from Prov !

 

It's just a letter setting out how their complaints process works but at least it confirms my letter has been received.

 

Will update thread as & when my complaint gets dealt with in case it helps anybody else in a similar situation.

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did you give them a time limit

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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agh yes sorry.

dx

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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great though they had little choice

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Well quite but it proves how they need checking on & how knowing one's rights under the law, aided by the knowledgeable folks at CAG, is enormously helpful in putting the case to them :D

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