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  #1  
Old 15-02-2008, 03:57 PM
powerful_rogue powerful_rogue is offline
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Default It really is "tick box" in a dispute

Just incase you was wondering what happens when you dispute information held by a CRA.

They send a fax like the one below to the company in question. That company then ticks the right box and faxes it back.

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  #2  
Old 15-02-2008, 04:17 PM
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grimbell grimbell is offline
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Hi
No wonder it is so difficult to get defaults removed!
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  #3  
Old 15-02-2008, 05:14 PM
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So that is how it done. A robust system. My my my
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Old 15-02-2008, 05:31 PM
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Now I wonder if an SAR to Experian after they have checked with the creditor may produce something of use for a claim of damages etc against Experian when we expressly state that we require them to substantiate the entry on our file in our request for removal of default.

dpick
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  #5  
Old 15-02-2008, 06:29 PM
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That would be interesting dpick
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Old 15-02-2008, 08:00 PM
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PR nice bit of evidence well done!!!
no more than expected but still shocking here we are writing 8 letters at a time to the CRA until blue in the face, and the creditors get 1 page and all they have to do tick a box this is no way near what they should be doing under the FSA guidelines, shame this couldn't be front page, what a stink it would cause.
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Last edited by Hocuspocus : 16-02-2008 at 12:32 AM.
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Old 15-02-2008, 11:22 PM
sparkie1723 sparkie1723 is offline
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Here is some info with regard to fighting CRA's that should be read by members who are fighting CRA's.

Jobs & Money featured the way mobile phone operators insist customers pay for calls after phones are ******.(Taken without consent) Credit reference agencies were a recurring theme in readers' responses. Rather than justify their claims to a court, the operators were able to intimidate many into paying specious debts by threatening to report them to such agencies.
Such a report would be libellous both when made to the agency and when passed on by the agency to any other prospective creditor. In 1908 the judges of the Privy Council ruled, in a decision that still seems to be the law today, the fact that the agency passing on the information believes it to be true is not a defence.

In other words CRA's are open to libel claims if it can be proved detrimenal info on your credit file is not correct accurate and true.
This is how I forced Experian to get RBS to remove a default on my credit file that RBS could not prove was correct, they just said it was and Experian believed them and not me, until I threatened Experian with this ruling.

sparkie

Last edited by sparkie1723 : 15-02-2008 at 11:32 PM.
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  #8  
Old 16-02-2008, 08:18 AM
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Good One Sparkie. if more members would use this argument, it might make life easier and the CRA's might just double check the reports.
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Old 16-02-2008, 10:03 AM
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Quote:
Originally Posted by sparkie1723 View Post
In 1908 the judges of the Privy Council ruled, in a decision that still seems to be the law today, the fact that the agency passing on the information believes it to be true is not a defence
More info on this?
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  #10  
Old 16-02-2008, 10:10 AM
sparkie1723 sparkie1723 is offline
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I'll post what little I have on this later the info is on my other PC ("my other PC aren't I posh??!!)
I'm on my little cheap second hand lap top.

sparkie
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