Consumer Credit Support  
Bailiff Advice Online

Go Back   Consumer Credit Support > Consumer Credit Support > Credit Reference Agencies
FAQ Members List Calendar Mark Forums Read

Reply
 
Thread Tools Display Modes
  #1  
Old 19-09-2014, 02:42 PM
birchave's Avatar
birchave birchave is offline
Senior Member
 
Join Date: Jun 2007
Location: sunny Gateshead
Posts: 968
birchave will become famous soon enough
Default Old info on credit files?

As I've been busy with a 1st Credit battle lately, I've got into the habit of checking my credit file on a regular basis. However it appears there is information on it that I think shouldn't be. Information that is older than 6 years?

How can this be addressed?
thanks in advance
__________________
Please remember any advice offered comes from a thick geordie, please take everything I say with a large pinch of salt!
Reply With Quote
  #2  
Old 31-10-2014, 03:22 PM
sparkie1723 sparkie1723 is offline
Senior Member
 
Join Date: Jun 2007
Posts: 2,533
sparkie1723 has a spectacular aura aboutsparkie1723 has a spectacular aura about
Default

This ruling increases the power of the Fourth Principle of the DPA.....lenders beware from now on.
Compliments of Sparkie

http://consumercreditlitigationandde...-for-the-case/
Reply With Quote
  #3  
Old 31-10-2014, 04:00 PM
Dragonlady's Avatar
Dragonlady Dragonlady is offline
Moderator
 
Join Date: May 2007
Location: Proud member of the CFC.
Posts: 10,998
Dragonlady has disabled reputation
Default

I would write to the OC concerned and ask them why and to put their reason in writing to yoou
Reply With Quote
  #4  
Old 31-10-2014, 04:01 PM
birchave's Avatar
birchave birchave is offline
Senior Member
 
Join Date: Jun 2007
Location: sunny Gateshead
Posts: 968
birchave will become famous soon enough
Default

Quote:
Originally Posted by sparkie1723 View Post
This ruling increases the power of the Fourth Principle of the DPA.....lenders beware from now on.
Compliments of Sparkie

http://consumercreditlitigationandde...-for-the-case/
interesting.........
__________________
Please remember any advice offered comes from a thick geordie, please take everything I say with a large pinch of salt!
Reply With Quote
  #5  
Old 31-10-2014, 04:03 PM
birchave's Avatar
birchave birchave is offline
Senior Member
 
Join Date: Jun 2007
Location: sunny Gateshead
Posts: 968
birchave will become famous soon enough
Default

Quote:
Originally Posted by Dragonlady View Post
I would write to the OC concerned and ask them why and to put their reason in writing to yoou
thanks DL, one is a credit card that Goldfish admitted they didn't have the paperwork for, it was written off and the PPI refunded, yet it's still sitting on my credit file
it was settled in 2007.....
__________________
Please remember any advice offered comes from a thick geordie, please take everything I say with a large pinch of salt!
Reply With Quote
  #6  
Old 31-10-2014, 04:16 PM
Dragonlady's Avatar
Dragonlady Dragonlady is offline
Moderator
 
Join Date: May 2007
Location: Proud member of the CFC.
Posts: 10,998
Dragonlady has disabled reputation
Default

I would wait for their reply and then write back and hit them with Sparkies ruling and if the info is removed from the CRA files, then you are going to take them to Curt for damages and report them in the process to the Regulating Authorities..I would also include the CRA in this as it their systems that are at fault..
Reply With Quote
  #7  
Old 31-10-2014, 04:18 PM
birchave's Avatar
birchave birchave is offline
Senior Member
 
Join Date: Jun 2007
Location: sunny Gateshead
Posts: 968
birchave will become famous soon enough
Default

I'm still waiting for 1st Credit to remove theirs as agreed by the judge.....
I will check again on Monday if still there, BAM, they are in trouble lol
__________________
Please remember any advice offered comes from a thick geordie, please take everything I say with a large pinch of salt!
Reply With Quote
  #8  
Old 31-10-2014, 04:34 PM
Dragonlady's Avatar
Dragonlady Dragonlady is offline
Moderator
 
Join Date: May 2007
Location: Proud member of the CFC.
Posts: 10,998
Dragonlady has disabled reputation
Default

Now there s the case law you can hit them with proposed damages.....kick them hard
Reply With Quote
  #9  
Old 31-10-2014, 06:53 PM
sparkie1723 sparkie1723 is offline
Senior Member
 
Join Date: Jun 2007
Posts: 2,533
sparkie1723 has a spectacular aura aboutsparkie1723 has a spectacular aura about
Default

Remember DCA's and CRA's and even the ICO..... must bear our ruling in mind when considering complaints under the Fourth Principle.....it has be absolutely correct and updated regularly and discarded if its incorrect and/or out of date.
Sparkie
Reply With Quote
Reply


Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump


All times are GMT. The time now is 01:40 PM.


Powered by vBulletin® Version 3.6.7
Copyright ©2000 - 2018, Jelsoft Enterprises Ltd.
Consumer Credit Support