The ICO claims in its forward to the SCOR document: “ICO will retain a keen curiosity about exactly how individual information is prepared inside the credit industry, offered the importance for people of choices according to CRA information. Accurate documentation lodged with a CRA needs to be a reflection that is reliable of individual’s credit standing. The information Protection Act 2018 probably will have already been breached where, for instance, inaccurate, away from date or extortionate data that are personal getting used to evaluate your credit-worthiness.”
I do believe this is just what has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it might be dropping down a year sooner than it’s going to presently. What this means is my missed payments are increasingly being continued record for 7 and a years that are half.
If you fail to reconsider your choice, i would really like my issue to visit an Ombudsman.”
Many thanks Sara for the reaction , i am going to just take this right back to your adjudicator and inform you the results. I actually do really appreciate the right time you have got invested taking a look at this matter. I didn’t understand the place to start yesterday. Therefore many thanks once more.
Hi Sara i recently wished to upgrade on 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 has been a long challenge with satsuma refusing to improve it and telling me personally it might never be done nearly 6 months with all the ombudsman solutions . But then i would have just almost accepted the addjuticator if i hadn’t had the use of your knowledge . Thank you for the make it has really means a lot in my experience and my children.
James M Harding says
I’ve 36 months of missed payments to my credit where i have already been spending paid off amount as agreed with my financial obligation administration agency. In addition have actually 4 defaults back at my credit history from three years ago from my other debts. We have 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 to wait the 6 years of these missed payments to disappear despite having the keep in mind that your debt was compensated. I’ve been agreed to replace the three years of missed payments to a backdated default to make certain that in 2-3 years time all of the defaults fall my report off together. Which choice must I opt for?
We composed 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, nevertheless Zopa declined to just accept that they had treated me unfairly therefore wouldn’t normally budge from the date. We taken care of immediately all of them with an interest access request along side mentioning it could be called towards the ombudsman that is financial. (I’ve referred it however they are yet to react using their choice).
They usually have now did not give you the information access, for over 8 weeks. I became wondering whether I should contact Zopa or go directly to the financial ombudsman again if you think this may help my case with the financial ombudsman or?
Sara (Financial Obligation Camel) says
It’s aggravating but it’sn’t prone to assist you win the FOS situation.
Okay. http://www.loanmaxtitleloans.info/payday-loans-ut/ Thank you for the relative minds up. I’ll possibly push them for this 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 because of 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 history from clear score that We have defaults which can be a lot more than 6yrs old but are nevertheless showing up back at my credit file. How to get these removed because they went after dark mark that is 6yr.
Sara (Financial Obligation Camel) says
Ask Clearscore why they’ve been here.
Hi, we had a DRO on 4th 2014 which has dissapeared today august! But 2 for the creditors nevertheless have actually recorded a later on default 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 to my credit history?
Sara (Financial Obligation Camel) says
While you state a few weeks does not matter but i believe it is far better ask the creditor to improve 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 was looking to allow this fall down at the conclusion of 2023, saving for home financing and everything that is doing enhance my ratings for the time being.
On Experian; i’ve a “Current Status” of “Default/Ended” An “Account Settled” date of 31/07/2017 (Is this the standard date??) But a “Last Updated” date of 15/03/2020 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 that will vanish as soon as the default “Falls off”?
On Equifax; i’ve an “Updated” date of 17/08/2017 (Is it the standard date??) “No data recorded” from July 2017 could be the only other information I am able to offer you out of 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 fade away if the default “Falls off”?
To enhance 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 because of the end of 2023? Offering I’m not issued with a decree.
Bonus Question: What’s the probability of getting court action in Scotland for the sum of the £2018?