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    • Thanks DX.  I've ploughed through the pages and dug out what I feel are the relevant ones. Obviously, some of these are duplicates of what I've put up before.  Anyway, I would be hugely grateful if someone can look over and advise. Reading though other posts and on other cases that I've had help with from here, I don't think they have much of a case - given the weakness of much of their "evidence" - but obviously I would be grateful for some expert advice from the helpful souls on here.    Thank you.    B   Witness Oct19_redacted.pdf
    • You came here for advice, soem advice has been given adn you question the validity and source of that advice. We are all lay peopele, ie not giving professional advice but it is based on experience of the world and in some cases working in the field that advice is given on. Now you dont have to take our advice, we wont get the huff if you prefer to look elsewhere or do something else. when I asked what you think they would do with your NI number it is to prod you to think for yourself and question why they would ask for this when there is nothing legal they can do with the information so wouild you be wnating to give it to them knowing that they would want it to break the law if they processed it. Now you can take that up with the company at the top but TBH unless you want to spend money on a lawyer they will not answer the question or fob you off with some ridiculous answer anyway.   so for the moment read a lot about  RLP and similar situations to yours ans make particular note of what happened to the peopel in the end. You will find no threads theat ended by saying " thanks to you I gor sued by RLP and owe them a fortune". It isnt going to happen and the reasons why are explained in many threads. They rely on your feeling of guilt to get anywhere
    • you need to respond to their letter saying that you belive that you ahve been paid correctly ( or underpaid if you are due a small amount of accrued holiday pay etc) and demand that they show a full account of what you received, when and why and how they arrived at this figure. You then reconcile that with your P45 and use the figures to bat off any furhter demands if they still akke one. Come back if they dotn drop the matter and give us the full breakdown on hours worked, hourly rate, gross pay, tax paid  etc
    • @dx100ukI never got a response to my SAR from Octopus.   But I have just received a 'letter before court action' from one of their legal representatives, who have been "instructed to consider legal action against [me] if full payment, a settlement or your proposals to make suitable repayments arrangements are not received in the next 30 days."   I'm reading the threads now. Any advice on how to proceed? 
    • I would say let them do their worst, it will surely backfire on them. Now with restrictive contracts that stop you working fro competitors- these are notoriously vague so often not worth the paper they are written on. also they have to be fair so for example if there are only 2 companies in the UK that make a certain product your employer cant say you arent allowed to work for the other one. If you were for example trained as a hairdersser and you were going to open a salon in the next street to your ex employer then the restriction would apply if worded correctly. Dont panic about this, your new employer will be au fait with the situation and time spent worrying about a nastly letter will in their eyes take you eye off the ball so concentrate on the new job.
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HSBCandMe

Equifax and HBOS - +6yrs defaulted but still showing *** Marker Removed***

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Posted (edited)

HBOS Defaulted a loan in 2006. It dropped off my credit files in 2012.

 

They have now sold the debt to a DCA and HBOS have recently re-posted my credit file at Equifax wit the same loan, now marked as settled.

 

My understanding is that the account should have dropped off my credit files forever 6 years after the 2006 Default, whether settled with HBOS or not.

 

Equifax are ignoring my complaint to them. I even have copy letters from Equifax and copies of my old credit file showing the 2006 Default.

 

Where do I go from here?  Any ideas? 

 

 

 

Edited by HSBCandMe

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Well what you are telling us here is pretty extraordinary behaviour by HBOS. I suggest that you begin by sending them an SAR. I think that this needs very careful verification.


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I have an old SAR. It defaulted in 2006.

 

I do not have a copy of the Default Notice any longer but their SAR refers to the default date and lots of historic credit files I have kept. 

 

Surely my complaint is against Equifax as they handled by complaint several years ago when I fought to have the Default recorded (so that it would drop off after 6 years).

 

Why extraordinary by HBOS?

PS: It is HBOS branded as AA. If that helps.

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You will need to send a new SAR. You say that the debt has recently been sold by HBOS and it is they who have recently posted your file to Equifax. Send them a new SAR. You will need to gather good information in order to deal with this.

HBOS are more likely to be liable here if they really have done this – and also, they are much easier to attack.


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48 minutes ago, fkofilee said:

BTW Equifax is now free to get your Stat Credit report. Go online and grab it now FOC :)

Compare and use as evidence :)

Yes, I have a large amount of past and current CRFs to use.

 

I have a vague recollection that I complained to the FOS about the absence of the Default and they ordered HBOS to post it.  I will have to look up my papers / check old emails.

 

I wills end a new SAR to HBOS.

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Which DCA has the debt been assigned to ? Is it appearing under HBOS or the DCAs name on  Equifax  ?

 

Andy


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10 minutes ago, Andyorch said:

Which DCA has the debt been assigned to ? Is it appearing under HBOS or the DCAs name on  Equifax  ?

 

Andy

It appears as AA loan (so HBOS) and is marked Settled.  It was sold by HBOS to Cabot . 

 

The SAR I got a few years ago from HBOS has a screen shot stating they sent out a Default, but that's all I have (that, and years' worth of screenshots and print outs etc showing the defaulted account on  my credit files).

 

The concern is that Cabot will add their account unless something is done about the AA settled one.

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If/when Cabot do update the CRAs it will simply replace the AA entry under Cabots name....double entries are irrelevant as its the same agreement /debt but it shouldn't be entered at all as its passed its sixth anniversary.

 

First port of call is to register a notice of corrections with the CRAs and then inform either HBOS/Cabot to shift it as its over six years....settled or not its irrelevant. 


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I see this more as Equifax's responsibility?  I have sent them copies of their own credit files from years ago, surely they can and should supress it?

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They cant without the creditors authority....they can add a notice of correction..but not remove it.

 

Shouldn't be difficult..just because the debt was assigned is not reason to re register it on the CRA,s again ..you have proof it was defaulted in 2006 (The DSAR confirms this date ?)  and it dropped off credit files in 2012 .


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Posted (edited)

I have is a screen shot from the DSAR, not the Default letter itself which I suppose is the ultimate proof. But I do have the copy CRFs.

 

When I went on a CCCS plan AA automatically defaulted me.

Edited by HSBCandMe

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thread title updated.


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Yes, they took it off my credit file. But, I complained to and about EQUIFAX, and they unilaterally took it off when I sent them proof.

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Thanks....I thought you were referring to an attachment or editing your post.....thanks for the short conclusion :rolleyes:


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