Credit file mess ups

[messimoo]

On here as I want everyone to know what BH and marlin done to a disputed debt & 1st Crud searching and placing a default on my file for a debt they could not prove.

Most VIPer's know the total illegal way BH handled my account and this is with the ICO as they refused to release a full SAR, while the dispute is still ongoing found out looking up my File (checking as I know a CCJ should have come off after a massive complaint to Tesco (its gone WHOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO)

Now this Marlin who have admitted that the account is in dispute and placed on hold (sold to them while account in dispute with BH) have put a default on my file eventhough BH has this CCJ already recorded. (not getting out of paying but all the figures wrong, almost 3000 more than the original default figure with the PPI case which eventually I| won . I have informed credit reference agencies and Marlin and await for these to be deleted if they do LOL will kepp you updated.

Now Crud. While looking at my file I noticed that I had not only a default with a credit card I never had, They had in fact after tried to take this to court and this was discontinued as the debt could not be proved, and connaught tried to send a stat demand through thre post (used as a kitty litter liner) for this discontinued debt. Also looking closer at my credit file discovered that in the space of 8 weeks they had put 4 searches on my file (connaught part) . I had E mailed them but only got mails back requesting the spanish inquasition then ignored. This to has been reported and crud (call has been recorded) promised to look into this and agasin reference agencies been informed. I also asked them for my CRA which has never arrived and this was one reason that the claim was discontinued as they could find no proof or paperwork.

I urge anyone to check and check every month credit files for any errors or incorrect info as it will set anyone back who is trying to cear it up as not only does it affect ability to gain credit, but jobs too.

[teaboy2]

Re: Credit file mess ups

Wow you sure are getting the blunt of their attention aren't you. Though i know how you feel, having defaults posted on your file, when they are not entitled to or the debt was never yours to begin with. I just had 1 default for MBNA credit card that was unlawfully rescinded by MBNA of the back of a invalid Default notice where the account was sold the date prior to my receiving the DN, which still only gave me 10 days to pay full amount instead of the arrears. So that Default has been removed now after 3 years of legal threats and arguments, quess acktiva kapital got my last email and decided they did not want to go down the court route and face a counter claim for unlawful rescission/repudation by MBNA, which may well have set a legal precedent since i made it clear i would request the case be moved to the higher court in interest of the public and consumers interest and rights. Also have 2-3 other defaults removed, 1 from quick quid and 1 from motormile both for the same debt that wasn't even mine as i never received such loan, they backed down when i requested legally certified copies of all documents and gave them notice to cease and desist if they did not comply. Guess what no documents were received at all, they just removed the defaults. Can't remember which the other one was but i think it was lowell, where capquest (only default that remains) took over and issued their own default to my file despite lowell having one on their already. Capquest is for a phone contract i never agreed to and was sent to me as unsolicited goods that i sold on as per my right to do so under distance selling regulations. I guess another letter to them will be in order soon.