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Credit Report recieved


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Just signed up for my credit report with Experian and to be honest not sure what, if any action should be taken now. From what I can see there are 2 credit cards that show as having 5 late payments made on each of the accounts, these are with Halifax and Morgan Stanley.

 

I took my first credit card out 6 years ago with Lloyds and since then I have swapped and transferred my balance from one card to another, sometimes closing the accounts after I have transferred out and sometimes leaving it open with a balance of nil.

 

However I am not sure if all the information with Experian is correct, one of the reasons why is that I still hold my Lloyds credit card although I have used it once or twice from transferring the original balance it doesn't appear to show on the report, also it only appears to show late/missed payments as far back as 36months.

 

Can anyone shed any light on this and whether it's worth chasing up on the 5 late payments as you can guarantee they will have charged me for them probably only £20-£25 a time though.

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I have just received credit reports from Experian and Equifax. I believe these are the two main agencies. I suggest that you obtain a copy of your report from the other agency as well, as information may have been supplied to both.

 

If you read the template which is used for your initial claim, there is a section which asks for any record to removed from the file as part of your requirements.

 

I am currently in dispute with Citi Cards and the amount of the charges are greater than the amount I still owe them. Therefore I have argued that had I not been charged, the account would have been cleared a long time ago.

 

Don't let the fatherless chillen get ya!

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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Recieved a call today from Abbey CC some call centre in India asking me why I paid my last bill £4 short, told them I hadn't got the statement to hand and assumed I'd over-estimated it when making the payment obviously not. Pd the £4 over the phone after asking them to do a security check and they told me I'd incurred £25 late payment fee. Told them in breach of OFT and being charged £25 was ridiculous over £4 short, they gave me another number to ring to discuss it.

 

Will ring them tommorrow to see if they can justify it.

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Any way of recording the phone call?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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I feel that all correspondence with any bank should be in writing so that you will have a record of it.

I would not contact them at all until you receive your statements and send them the initial claim leter. Make sure you include the latest charge.

 

 

Don't let the fatherless chillen get ya!

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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No, unfortunately I don't have the facility to record calls. Haven't rang them yet still wondering if I may be better off requesting dpa request from them, just not sure if it'll be worth it, suppose I won't know until I have the information.

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Unless you know how much they have taken in charges from your account, how are you going to claim it back? Send them a DPA request as advised in the templates section. The amount owed may shock you. If you don't find out, you'll never know.

 

 

Don't let the fatherless chillen get ya!

Don't let the fatherless chillen get ya! :grin:

 

Barclays - settled in full £4799.38 ;)

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  • 12 years later...

This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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