APS Overdraft - No payment since 04/16 No default marker on report

[battler1966]

Hi Guys

 

Despite my constant attempts to get APS Overdraft to

 

1. Supply me with evidence of the debt and

2. Mark it as default or in dispute

 

They are constantly updating the report with a 6 marker but no default.

 

The account shows no payment since March 2016 and hit 6 in Sept 2016.

 

The message on the credit reports states;

"agreed repayments are more than 3 months behind but you have agreed new repayments with the lender" which is total BS as I have never acknowledged the debt as it is not mine.

 

My last letter to Equifax stated;

 

Dear sirs

 

This account is a pre-paid credit card account that has been in dispute since discovery in April 2016.

 

To date there has never been any debt acknowledgement made and based on this fact, taking into consideration the I.C.O. Technical Guidance on Issuance of Default Markers & Notices, the account should not be generating recurring [6] markers but should in fact be defaulted (within 6 months of the first default (missed payment) occurring on the account) which means the record should be changed to a Default status with a default date around October/November 2016.

 

Please rectify this error as the creditor is ignorant to my repeated requests.

 

Failure to correct the incorrect data will result in a formal complaint being raised with the Information Commissioner who, as I'm sure you appreciate, take a dim view of deliberate breaches of data processing.

 

Kind Regards

xxxx

 

Credit Report Ref No : 5xxxxxxxxx

Name : xxxxxxxxxxxx

Company Name : APS - CASHPLUS

Account Number : 0000

Current Balance £ : 433

House Name or Number : xxx

Post Code : xxxx xxx

Start Date : 03032016

End Date : 31072018

 

Equifax replied (after 4 weeks)

 

Dear xxxxxxx,

 

Thanks for getting in touch on 20/05/2018 about the information on your Equifax Credit Report.

 

APS Overdraft has investigated your query and have told Equifax that the account information is correct and should remain unchanged.

 

This information is supplied by the company and we can't change it without their permission. You should get in touch with the company directly if you need more information.

 

The note that we added, stating that your information was in dispute will be removed within 24 hours.

 

==============

 

Any ideas what to do next guys as it looks as though it will be ever present on my CS

 

:-x

 

Thanks guys

[dx100uk]

but its not incorrect data and they are doing nothing wrong.

[battler1966]

Hi

 

As stated, it is not my debt so how can it be correct data?

 

Please clarify if you could.

 

Many thanks

[dx100uk]

not your debt..so its fraudulent then?

how did it get on your credit file?

[battler1966]

I take it you have read my first post? In dispute since April 2016?

 

I have also requested validation of the debt via letter on 2 occasions and have been ignored.

 

No paperwork has EVER arrived at my house, no calls nothing so yes, it appears to be THE 1ST EVER fraudulent effort to obtain a credit card and APS are not helping me to get to the bottom of this and if I know nothing about the debt, how on earth can I answer the question about how it appeared on my CR.

[dx100uk]

its a credit card - why not send them a CCA request or an sar

have you reported the fraud to actionfraud and got a crime number.

have you spoken to the ICO and told them APS will not remove it.

[fkofilee]

Not a credit card - APS do a loan product that acts like an overdraft...

There would have to be some sort of CCA for this one.

 

Send them a DSAR... Get all information... Come back here - We should beable to help.

[AndyOrch]

https://www.theguardian.com/money/2016/jun/05/cashplus-card-ruined-credit-rating-advanced-payment-solutions