Jump to content


Credit file


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5266 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I obtained a copy of my experian credit file and discovered an alleged historic debt to MINT going back 7 years. This is affecting my credit rating so I contacted MINT who immediately asked me a lot of personal questrions, including my address, to "try to determnine I was not the same person as their defaulting debtor". I am suspicious that if I give these details they will start chasing me actively for this debt which is not mine. I thought that an easier way to remove this entry was to point out that as the alleged debt arose over 6 years ago it was time barred so unenforceable. MINT have acknowledged having no contact from this person for 7 years but insist on maintaining this adverse entry. Does anyone know if one can force the removal of this entry on this ground? I have been referred to "The Crowther Report of 1971" which supposedly deals with this but am struggeling to find this.

 

Looking forward to some help, please!

Link to post
Share on other sites

Welcome to the forum.

 

Please take time to read the faq's

Please find your banks forum and start a thread;

(your user name) V (banks name)

use the template letters in order Stick to the timetable in there.

 

For instant live help please go to the chat room

 

Any advice given is purely based on personal experience and if in doubt you should seek further advice from a professional.

 

 

 

 

A-Z of useful links to this site.

http://www.consumeractiongroup.co.uk/forum/post-436526.html

 

A list of head office departments to send your requests to

http://www.consumeractiongroup.co.uk/forum/post-752168.html

 

Step by step instructions better safe than sorry!

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Templates If it aint broke dont fix it!

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Online claim or direct at court?

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Finally good Luck.

jamesrap.

 

"The only thing that interferes with my learning is my education." Albert Einstein

 

"No-one can make you feel inferior without your consent" - E. Roosevelt

 

 

Don't lie, thieve, cheat or steal. The Government do not like the competition.

 

 

All advice is offered without prejudice.

We are being sued for Libel. Please help us by donating

 

Please support the pettition to remove Gordon Brown as he was not elected primeinister. He was elected Party Leader something completely different.

 

http://petitions.pm.gov.uk/gordan-brown/

Link to post
Share on other sites

Guest ian cognito

Was the last contact regarding this debt 7 years ago, if so it should not be be still being processed to your credit file, the file will tell you when the debt was last updated. If ths is the case, the CRA should remove the reference to the debt seeing as they are the ones doing all the shouting about their entitlement to process for 6 years!

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...