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Cra Can Anyone Place A Default On Your Credit Reference File


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I,m about to compile a letter to all 3 CRA,s asking the following(anything you think I should add please fell free to chip in)

WHAT CRITEIRA HAS TO BE MEET BEFORE A DEFAULT CAN BE PLACED ON AN OTHER PERSONS CREDIT FILE?

DO THEY NEED TO BE A REGISTERED COMPANY?

DO THEY NEED TO SUPPLY PAPER EVIDENCE TO PROVE?

(a)they have a lawful right to persue debt

(b)they have sent notification of default

CAN A DCA PLACE DEFAULT ON BEHALF OF THIRD PARTY IF THEY DO NOT LEGALLY OWN THE DEBT?

CAN I HAVE A COPY OF THE FORMS YOU WOULD SEND TO A COMPANY THAT WISHED TO PLACE A DEFAULT?

YOU HAVE A LEGAL OBLIGATION TO ENSURE THE INFORMATION YOU ARE PUBLISHING IS ACCURATE,WHAT STEP DO YOU TAKE TO ENSHURE THIS IS SO?

COULD AN IDIVIDUAL REQUEST THAT A DEFAULT BE PLACED ON A COMPANYS CREDIT FILE ?

This is MY oppinion for what it worth

BARCLAYS BANK LBA 23/10/05 £2,626.67:)MCOL ISSUED 11/11/05

LOMBARD DIRECT LBA + Default removal 25/10/06 £290.50 :grin: Received settlement but they won,t remove default

BARCLAYCARD LFB 10/9/06 £320.00 :cool:

AKTIV KAPITAL LBA DEFAULT REMOVAL letter sent 22/9/06 + 23/10/06 and as yet have had no reply (sent letter to all 3 CRA re-there none compliance):confused:

 

"divant worry aboot what ya owe let them woory that want,s it off ya"

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I would like to know the answer to this as a particular DCA "bought" my debt and immediately registered a default yet they had not written to me at this stage, it took them a year to produce any paperwork, there was no default letter/notice and in any event I had no agreement with them.

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