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Friends La Redoute CAT debt - CRA data removal?? defaulted wrong date??


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Hi

 

Has anyone successfully had erroneous data removed from CRAs that was put there by Laredoute?

 

I have a close family member who had previous credit with them many many years ago.

She noticed about a year ago that Laredoute had updated her credit file with payment arrangements which she ceased many years ago..

then it was showing as being paid successfully, then again changed back to indicating missed payments.

 

Will a CPR 31.14 help in this situation, though I doubt they will hold any data with the debt being so old, but thats only a guess.

 

Any advice will be much appreciate regarding how to get the negative marks removed from CRAs.

 

Thanks in advance

WS

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When was her last

P ayment

What the defaulted date

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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Thread moved to the appropriate forum Credit Reference Agencies Forum...please continue to post here to your thread.

 

Regards

 

Andy

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I take it you mean la redoute the catalogue company!

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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Hi DX

 

Yes, its La Redoute the catalogue company

 

She thinks her last payment was Dec. 2014.

It may have even been before that.

There is no default date on all credit reports.

 

She also said Credit report showed OK (which it think indicates payment was being made), between May 2016-Aug 2017 but she had not made any payments whatsoever to La redoute recently.

 

Are they not meant to default an account after a certain period of time?

 

Should A SAR be sent to them for disclosure as a starting point?

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ideally yes around the 3rd missed payment.

 

sar is free now

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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Default should be registered then

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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The ico guide lines at the time say aftsr 3 missed/short payment

A n original creditor can send a dn

This should be done within 3-6mts of the cause

 

They dont have to default you mind

 

Why is this a/c an issue to her/her file?

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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Yes, its an issue to her because its on her credit file and on all 3 major ones as well..

 

I dont think I've ever seen that before.

Its for a small fee as well but I advised her that if she pays it then they will mark it as settled and it will sit there for another 6 years as opposed to try to get them to remove it altogether.

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Hi ericsbrother

 

The debt is genuine bit very old, dating back to 11/2003.

Looks like they weren't reporting it for quite a while and then in June of 2012, it showed up on her credit report.

 

It started with a status of BB(sustained arears 3-6 months).

Then in Jan 2013, went to AR which means (Arrangement to pay).

In May 2014, it changed to OK and in september 2016, it went back again to AR and has stayed that way until recently.

 

If they defaulted within the 1st 3 to 6 months, this debt would have dropped off or at least be on it way to dropping off.

 

With the current status, it looks like she's still making payment to it but she hasn't done since 2011 possibly ealrier than that.

 

Is the best way to go after La redoute is with a SAR asking for it to be removed?

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send an sar

you cant use an sar to remove it

but it will give you the data to sent to demand that

 

has she moved since taking this credit out?

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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So shes paid it fromand they know the correct address so thats ok

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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  • 2 months later...

Hi

 

Laredoute responded to the SAR with copies of statement showing an outstanding balance and last time payment (token payment £1/month) was made to the account but no credit agreement was produced. Is there any steps that can be taken to get La Redoute removed from one's credit file?

 

Thanks

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just because theres no agreement doesn't mean it should be removed from your file

 

so when was the 3rd missed or short payment in a row?

 

that should be requested as when a default should have been registered.

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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Hi DX

 

According to the statement they sent, it should have been defaulted in March 2007 as thats when the statement went to 0 and a payment arrangement of £1 was in place for some years after and stopped in feb 2015.

 

As token payments were being made, I take it the 6 year rule would not apply here?

 

thanks

Edited by dx100uk
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What 6yrs rule

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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Share on other sites

Statute of limitations.....no it will run from 2015.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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It does apply because it been or is being paid [so not SB'd]

but SB is nothing to do with the defaults timescale on your credit file!!

 

You need to write and demand they record a default in or around march 2007 as the ico guidelines dictated 3-6mts at the time stated then

Else you will raise a serious complain with the ICO and seek redress

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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