CCJ - showing on 1 CRA, shouldn't be on at ALL!

[whizzkid001]

Just discovered on my credit file with Callcredit (I usually only use Experian) that there is a CCJ shown as satisfied from 16/09/05!

Briefly, this was a £100.00 fine I got from the DVLA for unpaid tax on an old car I had at the time. Well, I paid the £100.00 off just days before the month limit expired, as you must do to have it wiped completely off your file. However, initially the date paid DVLA sent to the court was 2 days after the month expired. I rang the court, they told me they have to go by the date on the DVLA's letter and only they could change it. I rang DVLA, argued the toss, I gave them the Recorded Delivery slip No that proved it was received by them within the month limit and they happily agreed to write a new letter and date. Faxed it to court, they said that's fine, they'll remove the CCJ and that (so I thought) was the end of it back then in 1995!!

Ok, I have just emailed them to investigate this as a matter of urgency, I suspect it will eventually be put right & removed but.......my question is this - given that it's been on Callcredit (though bizarrely not on Experian or Equifax) for almost 18 months now, and in that time I had to take out a sub prime loan because of my credit score, do you think I have some comeback against this??

Given that it only shows on 1 of the 3 CRA's, I'm inclined to think that maybe it's Callcredit that is at fault and they simply haven't removed the record as the others have - 2 years ago.

Some thoughts/advice appreciated.

[file_wizzard]

Call Credit are generally much slower at updating data, and are more prone to “oversights”

 

Nonetheless if the order was satisfied in full and the claimant has verified this then Call Credit should update their records forthwith.

 

With regards to compensation then if the data was with all three agencies, and you could document a true loss then you would have this option.

 

However the likelihood is the credit you have obtained in the last few years has not be “scored” against the call credit data (virtually no one but their own sister company’s use them) so in reality, bit of a non starter

[LancerQRL]

i have a very similar situation in that wife is showing a ccj due to a car accident, this was issued in error against her and not the third party, it was subsequently set aside by the court and the registry trust notified - however both experian and equifax are still showing it as a current ccj on her credit report.

i have emailed them both over a week ago but no reply yet - any ideas as to what kind of letter to send?

[file_wizzard]

If the order has been set aside then you should ask the CRA's to contact the registry trust, the CRA’s will then update their records accordingly

[whizzkid001]

Good news....

Registry Trust and court BOTH confirm today there's no error on their part, the CCJ was duly removed from the register 30/10/05 and all agencies had a duty from that date to remove the entry in it's entirety!

Registry trust are also contacting Call Credit themselves today to ensure the entry is removed forthwith.

Now I am gunning for compensation from Call Credit!!!!!

[file_wizzard]

Now I am gunning for compensation from Call Credit!!!!!

Why? what loss has been suffered?

[whizzkid001]

Why? Well where shall I start.....how about my present mortgage and a seperate additional loan with someone else both being on uncompetitive/exorbitant interest rates as I had been deemed to be 'uncreditworthy'!

[file_wizzard]

Why? Well where shall I start.....how about my present mortgage and a seperate additional loan with someone else both being on uncompetitive/exorbitant interest rates as I had been deemed to be 'uncreditworthy'!

Were the products scored against the data held at callcredit?, as the company’s that actually use Call Credit are exceptionally limited.

 

If you can demonstrate that these products were “scored” against the inaccurate data then yes you have a case, however it is far more likely that either Experian or Equifax were used and other factors dictated your risk profile.

 

Additionally I think you would struggle to get a witness statement from the lenders in question identifying true loss.

 

Sorry I cant be more positive but I think you will struggle to obtain any form of formal compensation unless you can clearly demonstrate and prove a true loss

[whizzkid001]

I shall keep you updated...

[whizzkid001]

Today I have received a 2-page letter from Call Credit fully admitting and apologising for having made a serious error - the erroneous CCJ should have been removed from their files 15 months ago!!

 

I wasn't able to prove that any lending I had taken out in that time was from someone searching their agency, nonetheless they have paid me compensation of £75.00 for the distress - that in itself must be a first from a credit ref agency. The cheque was even handwritten so I guess they're not used to paying out!

 

One good reason you should all check your credit files regularly and thoroughly! Don't let them get away with recording anything that is inaccurate!