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#1
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![]() Could anyone help me.
After getting turned down for a business bank account I was told to take a look at my credit file. On my credit file I found a joint loan account with Sainsburys Bank and another for Egg which I do not have. Rang up Sainsburys who had no idea who I was and said I did not have an account with them. They wrote to me confirming this and they would be removing the entry on the credit file within 28 days. After 28 days the entry was still there so I rang Experian who said they would write to Sainsburys on my behalf. Sainsburys wrote back to Experian saying the entry was correct and they would not be removing it. Back to square 1 I then rang Sainsburys and asked if I did have an account with them to prove it... and so the circle continues How can I get off this treadmill, I am getting really fed up as I cannot start taking money for my business until I get a bank account and I cannot get a bank account until I can get this credit file entry removed. Help. |
#2
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![]() Hi Lottery Girl
Have Sainsburys in your last phone call admitted they now hold your details for the entry.? If they are still saying there isn't one you need to get it on record, via letter or phone. ( sorry edited missed the letter bit when i read it) ![]() You can SAR them too , If £10 is hard to find. Go for the CCA £1.00 either way they have to send you something, can't see it will be resolved quickly ![]()
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I will not be on the internet after the end of January 2009, so will not be around as much as usuall. Anyone who wants to email me still go ahead but i won't be checking daily, more like weekly up the library. ![]() " the cages we live in are often of our own making" ![]() time for a life style change ![]() Last edited by Hocuspocus : 29-10-2007 at 11:14 AM. |
#3
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![]() Send Experian the copy of the letter sent to you by Sainsburys, write to Sainsburys and Experian informing them you will be taking legal action on this matter and give them 14 days to comply.
Be harsh with them! |
#4
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![]() Sainsburys have no record of me and I did send the letter to Experian.
What legal action can I take? With everything else going on I can really do without this. This past week alone my heating packed up and cannot be repared, my washing machine packed up and another top bidder for my car failed to come and collect it. And thats just last week. |
#5
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![]() OH LG what a week
![]() ![]() They will have no choice but to amend this eventually, just apply the pressure. Did you keep the original letter, send a copy and covering letter to the ICO, when you send it send a copy of the complaint to ICO to sainsburys, and a copy to Experian. You should also to do the 2 other CRA's also http://consumercreditsupport.co.uk/s...ead.php?t=1825
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I will not be on the internet after the end of January 2009, so will not be around as much as usuall. Anyone who wants to email me still go ahead but i won't be checking daily, more like weekly up the library. ![]() " the cages we live in are often of our own making" ![]() time for a life style change ![]() Last edited by Hocuspocus : 29-10-2007 at 11:47 AM. |
#6
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![]() Thanks will do.
If you think that week was bad have been going thru similar over the past 4 months including OH in intensive care in New York, been taken to court over bill I had paid but because of the postal strike didn't know anything about it untill 3 weeks after the court case had taken place, am on my 3rd fridge in as many months and I won't go into the Kwik Fit story. Taken to standing outside and screaming. |
#7
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![]() ![]() How awfull ![]()
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I will not be on the internet after the end of January 2009, so will not be around as much as usuall. Anyone who wants to email me still go ahead but i won't be checking daily, more like weekly up the library. ![]() " the cages we live in are often of our own making" ![]() time for a life style change ![]() |
#8
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![]() He's home. Had pneumonia with complications because he is diabetic.
lg |
#9
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![]() must be a relief for you hun, hope the tide starts to turn for you soon.
HP ![]()
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I will not be on the internet after the end of January 2009, so will not be around as much as usuall. Anyone who wants to email me still go ahead but i won't be checking daily, more like weekly up the library. ![]() " the cages we live in are often of our own making" ![]() time for a life style change ![]() |
#10
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![]() ok...
Did you request your credit report directly from experian? If so, by letter or online? Either way, under s158 they have supplied the information , giving you reason to question the entries regarding the joint account and the egg account. Under s159 of the CCA, Quote:
Enclosing a copy of their previous letter confirming that you have no financial obligation to them, or whatever the letter stated (please post a copy up if you can, and any other letters relevant - remember to use a photocopy, and remove any personally identifiable info) and ask them to confirm what, when, where etc regarding the alleged (always use alleged!) account. Also, state what effect this is having on you financially as a business, and your reputation and credit worthiness has ALREADY BEEN AFFECTED. If the information they have recorded against you is unfounded, or unsubstantiated by true original copies of legally enforceable agreements, then you will immediately seek damages, costs and compensation for defamation, libel, compensation for loss of business as a subsequence of the incorrect registered data etc... Have you also contcated Egg regarding the same? Do it in writing, not by phone, then any response should also be in writing. This may take a little while - so you may wish to compile a letter for the ICO, explaining your business situation, so this action by sainsburys IS CAUSING YOU FINANCIAL DAMAGE to you as a person, and your business. Go hard, go heavy, and keep at them. Send everything special/recorded and other than the SAR (which will back up your requests), keep hot on the time lines... Pers
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Any advice or guidance given by Perseus or Consumer Credit Support is provided without prejudice, and is based on personal experience only. Please seek professional legal assistance to clarify your particular case. Thank you. If we've helped in recovering bank charges, please help us keep this site alive for others by donating. sedit qui timuit ne non succederet. He who feared he would not succeed, sat still. |
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