Correcting credit file

Get expert opinion. This is the place for new questions to be posted.
16 posts Page 1 of 2

Johng79

Posts: 131
Joined: Sun Mar 12, 2017 8:12 am

Post by Johng79 » Wed Aug 07, 2019 2:37 pm
Hi guys,

Quick query about ensuring default dates are right. Who is responsible for putting on correct date of IVA default? The creditor named in IVA or the company they passed debt on to afterwards?

I complained to original creditor but they refused to uphold complaint as they sold debt on 6 months later, and are advising me to contact the new debt owners.

I was always under impression its the initial company who was named in IVA paperwork.

Very confused as to whether they are taking the p***

Thanks

John

kallis3

User avatar
Forum Expert
Posts: 74821
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Wed Aug 07, 2019 3:00 pm
You need to speak to the new creditor.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Foggy

User avatar
Forum Expert
Posts: 29233
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Wed Aug 07, 2019 3:05 pm
Whichever of the two who actually lodged the default will be resposible for correcting it --- point out that the Ombudsman will be asked to intervene if they do not co-operate.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Johng79

Posts: 131
Joined: Sun Mar 12, 2017 8:12 am

Post by Johng79 » Wed Aug 07, 2019 3:11 pm
Ah cheers for that.

The infamous TTI-SPC who are so mysterious they arent on data controller list unless they are known as someone different.

Shop direct confirmed in letter they were aware 8 days after IVA started of it, but dont appear to indicate who advised credit ref agencies of wrong date which is handy.

Johng79

Posts: 131
Joined: Sun Mar 12, 2017 8:12 am

Post by Johng79 » Wed Aug 07, 2019 3:16 pm
Just found address of TTI Finance. Guess i just go to them then :oops:

kallis3

User avatar
Forum Expert
Posts: 74821
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Wed Aug 07, 2019 4:26 pm
Fingers crossed you can get it sorted.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Dan2991

Posts: 24
Joined: Thu Jun 13, 2019 9:46 pm

Post by Dan2991 » Wed Aug 07, 2019 11:54 pm
My shop direct creditor moved to tti-SPC I had emailed them last year to correct the date on my credit files but it still hasn't been done

kallis3

User avatar
Forum Expert
Posts: 74821
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Thu Aug 08, 2019 8:27 am
Write again and threaten them with the Ombudsman.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

SteveUK

User avatar
Posts: 80
Joined: Fri Sep 28, 2012 10:37 am
Location:

Post by SteveUK » Fri Aug 09, 2019 5:47 am
One instance I had like this I wrote to both. Both replied blaming the other so I complained to the ICO about both. They are both still playing the blame game and the ICOs office are so slow I think the entry will have fallen off before they do anything about it. :cry:

Foggy

User avatar
Forum Expert
Posts: 29233
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Fri Aug 09, 2019 7:20 am
Fri Aug 09, 2019 5:47 amSteveUK wrote:
One instance I had like this I wrote to both. Both replied blaming the other so I complained to the ICO about both. They are both still playing the blame game and the ICOs office are so slow I think the entry will have fallen off before they do anything about it. :cry:
This is one problem with the ICO -- speed (or lack of) ! But, often the threat works (not in this case!).
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

magicsam

User avatar
Posts: 39
Joined: Sun Oct 21, 2012 10:14 pm
Location:

Post by magicsam » Fri Aug 09, 2019 2:03 pm
Have you tried disputing it through the credit agencies? I know the general concensus is they do not want to know but I did have some success with Experian and Noddle (now creditkarma) when I had similar problems. All they do is pass your complaint on to the creditor but the benefit here is they will know for sure who entred the default date and contact them. Worth a try

Ryan

User avatar
Industry Expert
Posts: 1078
Joined: Thu Nov 03, 2011 10:03 pm
Location: United Kingdom

Post by Ryan » Fri Aug 09, 2019 2:29 pm
If you are able to contact the Companies via Social Media that's the quickest way to get disputes resolved these days - they hate other people seeing how bad they are so it tends to motivate them to act more quickly.

Best of luck.

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page

SteveUK

User avatar
Posts: 80
Joined: Fri Sep 28, 2012 10:37 am
Location:

Post by SteveUK » Fri Aug 09, 2019 2:55 pm
Fri Aug 09, 2019 2:29 pmRyan wrote:
If you are able to contact the Companies via Social Media that's the quickest way to get disputes resolved these days - they hate other people seeing how bad they are so it tends to motivate them to act more quickly.

Best of luck.

Regards
.

And tells all your friends about your IVA
:D

kallis3

User avatar
Forum Expert
Posts: 74821
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Fri Aug 09, 2019 3:18 pm
Very true and also, a lot of these companies will remove your comments.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Ryan

User avatar
Industry Expert
Posts: 1078
Joined: Thu Nov 03, 2011 10:03 pm
Location: United Kingdom

Post by Ryan » Fri Aug 09, 2019 3:25 pm
Obviously you don't have to mention that you were in an IVA to make a complaint. :roll:

Regards
Ryan Radford
IVA Mortgage Expert
Zebra Money Centre

IVA Mortgage advice needed?

Contact me at http://www.ivamortgageexpert.co.uk or via the expert page
16 posts Page 1 of 2
Return to “Ask IVA Forum and Industry experts”