I have read FAQ - require clarification on DPA costs and Defaulting

[Gallen]

Hi there - I'm hoping you may be able to help me. I have read through the FAQ section but need further clarification on a couple of matters. Please bare with me!

 

I am about to send off my first letter - requesting my statements/list of charges under the data protection act:

Q 1: Do I simply send the maximum amount that can be charged for this (i.e enclosed as a cheque) or is there another method of finding out exact cost of payment before hand?

 

Q 2: How do you know if you have been "dafaulted"

 

I already estimate that my claim may be well above the £5k limit of the small claims court, so this may get interesting!

 

Thankyou.

 

Gallen

[reload]

1) You can go into your high street branch (as other people here seem to have done) to request the DPDR be issued through the bank's own internal memo/email system, and pay up front at the counter. Or, as you say, send them a cheque. From what I've read, it seems Lloyds charge the full £10 for DPA info.

 

2) You'll normally have recieved a letter from your bank after a particularly long period of missing payments, informing you of such. Other than that, you'll need to get a copy of your credit reference history from Equifax or the like, I believe.

[Spiceskull]

As reload says, a copy of your credit file is available from the experian website for a couple of quid. It is worth getting a copy anyway. You might find that the bank will give you some guff about 'not removing notices, perfectly legit, standard practice etc' and this could lead to a paranoid belief that they have issued a default when they haven't.

 

Best to know in advance, then you can treat such a response in the correct way - is it scare tactics or do I need to stamp my foot?

 

Good luck.

[Guest Lueeze]

Well some banks will charge the £10, others nothing and will return the cheque back!

 

Just send it and see.

 

You should have had a letter about the Default, alternatively you can request your credit file.

 

Good Luck!

 

Lou x

[Gallen]

Thanks for the quick replies.

 

I will go into the bank during lunchtime today and ask them their cost (no doubt the £10 maximum!). I will however want to send the outline letter personally as it requests the details of manual intervention etc - which is priceless, and far less complexed compared with explaining over the counter!

 

As far as defaulting is concerned, I have never missed payments over long periods of time. Just over-run at the end of the month, however regularly - due to "bank charges".

 

I will take a look at the experian web site now.....!

 

Regards,

 

Gallen.

[finman]

Gallen,

 

Take a look at the link attached and you can get you credit report today for free (just follow the instructions), it makes for interesting reading, mine did, things i did not even know about (thanks to the ex)

http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1101485056,23650,

 

Good Luck

[Gallen]

Nice one!!!!! Will do that!

[Gallen]

I now have the report! There is nothing untoward on it as far as I can see. What would the "defaulting" show as?

[finman]

It will state a default in the report, it stands out like a sore thumb. Looks like yours is ok. Does it have lloyds listed as a creditor?

[finman]

Dont forget to cancel the service or you will be charged monthly!!!! when they ask why you are cancelling just say that it did not give you the level of information that you required, say you were looking for specific payment dates to a creditor. Then they will cancel your subscription

[Gallen]

No - Nothing whatsoever about Lloyds - not even my Overdraft is showing, which I would have expected to see.

 

One thing I will raise (this time with Halifax) is they were supposed to ammend a credit mark (I have this in writing), and its still showing up as a [2] (they didn't cancel a card - I asked them for a settlement figure which I paid, but there was still charges)

[finman]

With the halifax, some banks have an internal scoring system based on your banking practices, read the letter again and make sure it did not relate to its internal scoring system. If it did not state the internal syatem then write to them asking to change it with the external scoring agencies.

 

As for lloyds looks like you have not got a default against you.

[Gallen]

...just sorted the latter (Halifax confirmed the update, and will be contacting external agencies to update. Will be again put in writing)

 

...Just Lloyds to fight now!

[Gallen]

This topic was closed on 10 March 2019.

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