Credit Reference File

[samuwell]

Hi,
Can anyone tell me if a debt collector can put an entry on my credit reference file without their notifying me or without proof of assignment re: Law & Property Act from a debt which was disputed end of 2009. PRA Group placed the entry in February 2015, they have Interim Permission. There was never any previous entry regarding this disputed account by the Original Creditor.

Any help gratefully received.

[Debt Camel]

Re: Credit Reference File

Who was the original creditor?

what sort of debt is this?

what was the nature of the dispute?

[samuwell]

Re: Credit Reference File

Who was the original creditor?

what sort of debt is this?

what was the nature of the dispute?

Credit card MBNA, interest rates re times of hardship

[Debt Camel]

Re: Credit Reference File

Are you sure MBNA never reported to a CRA? That sounds odd, have you checked all three CRAs? See http://debtcamel.co.uk/experian-or-e...which-is-best/

[samuwell]

Re: Credit Reference File

Are you sure MBNA never reported to a CRA? That sounds odd, have you checked all three CRAs? See http://debtcamel.co.uk/experian-or-e...which-is-best/

Will check again but the credit reference agency has no reference , only PRA who put the notice on there in 2015. Never got a termination notice but PRA say tern=minated but won't produce a copy..
Thank you.

[nemesis45]

Re: Credit Reference File

Hi,
Can anyone tell me if a debt collector can put an entry on my credit reference file without their notifying me or without proof of assignment re: Law & Property Act from a debt which was disputed end of 2009. PRA Group placed the entry in February 2015, they have Interim Permission. There was never any previous entry regarding this disputed account by the Original Creditor.

Any help gratefully received.

Can you please post a copy of the credit file entry (s) it will make it easier to interpret the data.

nem

[samuwell]

Re: Credit Reference File

Can you please post a copy of the credit file entry (s) it will make it easier to interpret the data.

nem

Will try, must find it first.
Might take a few minutes, thank you

[samuwell]

Re: Credit Reference File

It's a pdf, sorry, don't know how to send it, can't copy and paste.

[samuwell]

Re: Credit Reference File

Will have to try again tomorrow when I have help.
There is a data dispute for this record because they put default date July 2010. But there was no assignment or default notice from MBNA,
First noted in February 2015, now updated to January 2016, they seem to have removed 'terminated' as that was what we complained about, no termination notice from O/C.
Does this help at all?
Many thanks for your time.

[nemesis45]

Re: Credit Reference File

Will have to try again tomorrow when I have help.
There is a data dispute for this record because they put default date July 2010. But there was no assignment or default notice from MBNA,
First noted in February 2015, now updated to January 2016, they seem to have removed 'terminated' as that was what we complained about, no termination notice from O/C.
Does this help at all?
Many thanks for your time.

I'll as [MENTION=49370]Kati[/MENTION] to help you she is very clever with this stuff.

Can you help please Kati nemxx

[Kati]

Re: Credit Reference File

It's a pdf, sorry, don't know how to send it, can't copy and paste.

I'll as @Kati to help you she is very clever with this stuff.

Can you help please Kati nemxx

Of course ... [MENTION=76223]samuwell[/MENTION], if you email it to me as an attachment I can post it up for you (kati@legalbeagles.info)

[nemesis45]

Re: Credit Reference File

Of course ... @samuwell, if you email it to me as an attachment I can post it up for you (kati@legalbeagles.info)

Thank you xx

[samuwell]

Re: Credit Reference File

Thank you xx

Thank you Kati,
but I don't see how I can block out the private details before posting it. I can't transfer it to a word document.
Sorry I'm not so good at this. The pdf is about 10 pages long.
:wub:

[Kati]

Re: Credit Reference File

Thank you Kati,
but I don't see how I can block out the private details before posting it. I can't transfer it to a word document.
Sorry I'm not so good at this. The pdf is about 10 pages long.
:wub:

I can edit the personal details out before posting it up :nod: xx

[samuwell]

Re: Credit Reference File

I can edit the personal details out before posting it up :nod: xx

bril, will try to get it to you now.
Many thanks