Tweet
As title,
Have just arrived here though I have been reading off and on for a bit.
Have also posted on another site. Hope you don't mind that? Just that I would like to go forward with this mess with as much help as I can.
Am a few weeks in with this - to date
My son has been declined credit. Can't even get a basic bank account. He is 20 and a student.
Experian and Equifax reports are in. In total he has 11 defaults totalling over £30000. There are 14 searches from tracers and DCA's.
None of them are his. For some of them he wasn't even 18 when they started.
They are in a name that is the same except for the middle name and the DOB. They are conected to an address that he has never lived at.
To date I have written (with his permission and his signature) to all the ones on the Equifax file as it arrived first.
One of the DCA's has written back and confirmed removal of data.
One company (Lombard) has written back, confirmed that the default of £13000 is not his but they have asked that he forward a relatives address and details to them.
I am not happy about this as they(Lombard) are already in serious breach of DPA for both parties.
Both parties concerned are furious about this for very different reasons. One coz his life has been screwed up by this and the other coz his already screwed up life has been made known to my son. He is embarressed and hurt.
If a DCA called at my door asking for details about anybody, relative or not I would chase them.
I have looked about for information on third party information (DPA or libel) but just can't find the correct section of the law or wording for the letter.
As all the companys are asking for copies of the credit files (so that they can see what they've put on there??) photo ID and POR for my son, the photocopying alone is running into £50 +. Obviously these all need to be sent recorded mail too as we couldn't possibly trust a lender or DCA to acknowledge receipt of a letter honesty.
Its costing a small fortune. The time involved is maddness.
Anybody think there would be any point in just waiting for the CRS's to refuse to remove all the info and just take them straight to court?
Anyway back to letter writing . . .
Thanks for reading and if you have any thing to offer that may help please do
Have just arrived here though I have been reading off and on for a bit.
Have also posted on another site. Hope you don't mind that? Just that I would like to go forward with this mess with as much help as I can.
Am a few weeks in with this - to date
My son has been declined credit. Can't even get a basic bank account. He is 20 and a student.
Experian and Equifax reports are in. In total he has 11 defaults totalling over £30000. There are 14 searches from tracers and DCA's.
None of them are his. For some of them he wasn't even 18 when they started.
They are in a name that is the same except for the middle name and the DOB. They are conected to an address that he has never lived at.
To date I have written (with his permission and his signature) to all the ones on the Equifax file as it arrived first.
One of the DCA's has written back and confirmed removal of data.
One company (Lombard) has written back, confirmed that the default of £13000 is not his but they have asked that he forward a relatives address and details to them.
I am not happy about this as they(Lombard) are already in serious breach of DPA for both parties.
Both parties concerned are furious about this for very different reasons. One coz his life has been screwed up by this and the other coz his already screwed up life has been made known to my son. He is embarressed and hurt.
If a DCA called at my door asking for details about anybody, relative or not I would chase them.
I have looked about for information on third party information (DPA or libel) but just can't find the correct section of the law or wording for the letter.
As all the companys are asking for copies of the credit files (so that they can see what they've put on there??) photo ID and POR for my son, the photocopying alone is running into £50 +. Obviously these all need to be sent recorded mail too as we couldn't possibly trust a lender or DCA to acknowledge receipt of a letter honesty.
Its costing a small fortune. The time involved is maddness.
Anybody think there would be any point in just waiting for the CRS's to refuse to remove all the info and just take them straight to court?
Anyway back to letter writing . . .
Thanks for reading and if you have any thing to offer that may help please do
Comment