Hello all, it's been a long time since last post, but there is so much going on and still riding the rocky road for many reasons personally and financially...
It took almost 3 months to get my certificate of completion, so the company were still running true to form, but now I still have skeletons coming out of the coffin...
Although my arrangement was agreed by all in January 2004 and set into 6 year system, now well completed, I have Experian trying to and unable to rectify 2 defaults that still remain on their records... This is all because Tesco & Egg did not register default until mid 2006 and so will be rusting on the system technically for over 8 years in teir eyes...
I have explained to Experian that both were in the arrangement and have forwarded a copy of my certificate and argue that both should not have registered so late, but while Tesco have acknowleged as "Satisfied", they will keep records in default until 6 years from their registration (which will now be May 2012) ...
Egg on the other hand today have confirmed that their records are accurate but showing me defaulted June the same time and are keeping the default amount showing on the system until June 2012...
Egg have also NOT replied to my letter a month ago to try and get this amended... So seems it does not end at the end as the begining is whenever and ability to get sorted remains a quandry!
You need to write to the creditors yourself and ask them to amend their records. Give them a fixed time to reply, and if they don't you can report them to the Information Commissioner.
There is a letter in my blog that you can use for this - it's actually for post BR, but can be amended for post IVA.
Thanks for that Skips... As mentioned, I did write to Egg, but they insisted today to Experian that their records are accurate, so along with Tesco, I will write again revamping your letter...
... and it goes ... on and on and on and on and on and on and on and on...
What I will do next week is revamp Skips letter to suit my circumstances and tweak it a bit and copy it in to the commissioner at same time regardless... just to add some weight...
I will do this because it appears that it is common practice that they faff-up on registrations, so will hopefully get it sorted quicker if they know I have already written to the commissioner, rather than I plan to!
They defaulted my account in 2006, when it should have been 2004. Sent them a letter, no reply & CRF not updated.
Filed a complaint with the ICO, received acknowledgement of this. 5 months later my CRF was still incorrect & having heard nothing further from the ICO, I got fed up waiting. Therefore, I sent another letter to Tesco with copies of all previous correspondence & informing them it had been passed to the ICO giving them the case reference number.
Just recently Tesco have replied quoting the date of my second letter which seems to have prompted them into action & the default has now been removed!
Make sure you are writing to the Data Contoller at the Edinburgh office & keep on at them quoting the Data Protection Act etc.
As far as I'm aware the ICO isn't interested unless you have gone through the proper channels, ie written to the creditor and notified them that you are giving them 28 days to correct the entry.
now I am spinning... I did already write to egg almost a month ago about 2 and half years out of sync as mentioned and they have not responded...
Tesco updated to say satisfactory this month, but the date is also 2 and half years out of sync.
Will put buttons to keyboard asap... maybe a phonecall in their shell-like might do something... Still on my nights this week, so will have to address the matter from Monday...
The problem is, apart from everything else, I am trying to deal with Property Agents right now and I am time constrained and all this is holding the matter or even destroying my life!
... still trying to get off ground zero, but my car keeps kicking up a stink... this month £1200 ... Not straight yet and I have to move out of here so have Property Agent not happy with the scores at the moment!!!
Thanks... I will let you know... I have emailed Experian with whom I am rallying all the issue with and updated them that my letters serving 28 days have been sent and so they will now put a temporary dispute notice to both default records on the system.
Experian are well aware of my frustration and they have a copy of my completion certificate to varify, but cannot formally do anything without Egg and Tesco getting it right!!!!!!
Just a side point, I'd personally do everything in writing and by recorded delivery. That way you have a record of everything that was said that you can send to the ICO if the creditor does not play ball.
Avoid using the phone, there will be no record of the conversation. A case of your word against theirs when you dispute it with the IC.
Put it all down in writing and give the ex-creditor 28 days to reply.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
