Dealing with debt?

[legalpickle]

I have read in lots of places about various things relating to not believing amounts of debt on a credit report or belief on a fraudulent insert on the credit report. I understand that the first move is to write to the Credit Reference Agency and ask them to remove it.

 

I am trying to figure out what exactly to do when some records are refused to be removed.

 

Basically, the first thing I want to do is somehow legally demand a full breakdown of the account and the total amount of alleged debt and copies of anything that I may have signed. I understand that there is a legal demand letter that can be written to each and every creditor, which is similar to the bank DPA/SAR letter but not the same and cheaper than the £10 it would cost me for each bank.

 

If somebody could advise me on the exact routes for this process it would be much appreciated.

 

Also, once that is done, I will probably need to dispute some of them as well. How do I take this further than the crappy Credit Reference Agencies that are about as responsible as the bloody banks are?

 

Ta,

legalpickle.

[martin2006]

SAR is probably the best way as the bank/finance organisation has to disclose all information it holds on you.

Id pay the £10 fee.

You wont get anywhere with the CRA's. They will only act on instruction from the banks or from the ICO.

If you have an issue with wrong info on your credit file, send the SAR and dispute it firstly with the bank or whoever it is. Only when you have exhausted that can you go to the ICO.

[legalpickle]

This is not necessarily finance organizations. I also want copies of the documents that I allegedly signed on. Is this still the best route?

[chesham]

Finance agreeements have to be supplied on demand under the Consumer Credit Act. If they are not agreements bound by this (i.e. non-financial institutions), then a subject access request will reveal all information held about you, but agreements might have to be requested under a DPA request.