The ICO claims in its forward to the SCOR document: “ICO will retain a interest that is keen just how individual information is prepared inside the credit industry, provided the importance for people of choices predicated on CRA information. Accurate documentation lodged with a CRA needs to be a reflection that is reliable of individual’s credit standing. The info Protection Act 2018 will probably have now been breached where, as an example, inaccurate, away from date or extortionate data that are personal getting used to evaluate your credit-worthiness.”
I believe this is exactly what has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it will be dropping off a earlier than it will currently year. This implies my missed payments are increasingly being continued record for 7 and a years that are half.
I would really like my problem to attend an Ombudsman. if you fail to reconsider your final decision,”
Many thanks Sara for the reaction , i am going to back take this to your adjudicator and let you know the end result. I actually do really appreciate the time you’ve got invested considering this problem. Yesterday i didn’t know where to start. Therefore many thanks once more.
Hi Sara i simply desired to upgrade to my e-mail from addjudicator we received today. They havd told satsuma to alter the standard date to March 16 very nearly one year previously . It’s been a long fight with satsuma refusing to alter it and telling me personally it may never be done nearly 6 months using the ombudsman services . But if I experiencedn’t had the application of your understanding I quickly will have simply nearly accepted the addjuticator . Many thanks for the help it to has actually means a lot for me and my children.
James M Harding says
I have 36 months of missed payments back at my credit where i’ve been having to pay reduced amount as agreed with my financial obligation management agency. We additionally have actually 4 defaults to my credit history from 36 months ago from my other debts. I’ve the capability to spend the debt off in full now so i no more get any more missed repayments however i am going to need certainly to wait the 6 years of these missed payments to disappear despite having the observe that your debt happens to be compensated. I’ve been agreed to replace the three years of missed payments to a backdated standard to ensure that in 2-3 years time all of the defaults fall my report off together. Which choice can I opt for?
We published an email on here formerly regarding default that is changing. I happened to be effective in negotiating modification of standard times with Halifax and RBS, nonetheless Zopa declined to simply accept I had been treated by them unfairly therefore will never budge regarding the date. I taken care of immediately all of them with an interest access demand along side mentioning it will be introduced into the monetary ombudsman. (I’ve referred it however they are yet to react with regards to choice).
They usually have now did not offer the information access, for more than 2 months. I happened to be wondering if you think this might assist my instance because of the monetary ombudsman or whether i will contact Zopa or go to the economic ombudsman once more?
Sara (Financial Obligation Camel) says
It’s annoying but it really isn’t very likely to assist the FOS is won by you situation.
Okay. Thanks for the relative heads up. I’ll possibly push them because of it then.
I’ve a debt with lowell the default that is original had been dec 2013 …but had been updated to dec 16 now showing the subsequent date just may I ask with this to be eliminated or perhaps not
Sara (Financial Obligation Camel) says
The lender that is original a default if Dev 2013?
Christine Spillane says
Hi, We have noticed back at my credit file from clear score that We have defaults https://titleloansusa.info/payday-loans-pa/ which are significantly more than 6yrs old but are nevertheless appearing back at my credit file. How do I get these eliminated because they went after dark 6yr mark.
Sara (Debt Camel) says
Ask Clearscore why they’ve been here.
Hi, we had a DRO on August 4th 2014 which includes dissapeared today! But 2 of this creditors continue to have recorded a later on standard date (August twentieth 2014, therefore to not troubled about this one until it drops off my file) but the other that is wrong has March 2015 as the default date, should I be contacting the creditor to change it to the date I entered the DRO or just leave it as it’s a couple of weeks away? Exactly how impact that is much that have back at my credit report?
Sara (Financial Obligation Camel) says
While you state two weeks does not matter but i believe it is better to ask the creditor to fix the subsequent one.
Sorry to hijack but I’ve seemed on all 3 agencies and an extremely query that is similar.
FYI, I reside in Scotland and ended up being looking to allow this fall down at the conclusion of 2023, saving for a home loan and doing every thing to enhance my ratings for the time being.
An“Account Settled” date of 31/07/2017 (Is this the default date??) But a “Last Updated” date of 15/03/2020 These guys put a marker on every month that looks like I’m defaulting again but I’ve read on your site that should disappear when the default “Falls off” on Experian; I have a “Current Status” of “Default/Ended”?
On Equifax; i’ve an “Updated” date of 17/08/2017 (Is this the standard date??) “No data recorded” from July 2017 could be the only other information i will provide you with using this one.
On Transunion; The “Date of Default” is 31/07/2017 nevertheless the Updated that is“Last is 04/07/2020 this option place a marker on on a monthly basis that looks like I’m defaulting once again but I’ve keep reading your website which should disappear completely as soon as the default “Falls off”?
To increase my confusion, Transunion show the account as available yet one other two reveal it as “In Default”
I suppose the brief real question is, should all of these autumn off my reports by the end of 2023? Offering I’m not issued with a decree.
Bonus matter: What’s the probability of getting court action in Scotland for the sum of the £2018?
