Late Payment Marker removal

[The Debt Star]

Re: Late Payment Marker removal

argh! hang on...I've just blown an angel out

[Gerry]

Re: Late Payment Marker removal

TG for explaining that, I thought I was losing the plot entirely!

Lost!!!

[The Debt Star]

Re: Late Payment Marker removal

cifas being CRAs? or am I a rolling emotion again? lol

[Never-In-Doubt]

Re: Late Payment Marker removal

TG for explaining that, I thought I was losing the plot entirely!

Yea, two queries mate!

1. There may be incorrect cifas entries so I said to sar cifas.

2. He queried a late payment marker and I said complaining to ico is waste of time.

Make sense now?

[The Debt Star]

Re: Late Payment Marker removal

TG for explaining that, I thought I was losing the plot entirely!

[Never-In-Doubt]

Re: Late Payment Marker removal

granted, but there's no actual harm or detriment done in complaining though? and perhaps by the time the SAR comes back there may be something else DPA-related to beef up the complaint with something more substantial...always a possibility...

Mate the SAR is a separate issue lol - thats to sar CIFAS about cifas entries.. This is nothing to do with the ICO nor the dpa per se...

[The Debt Star]

Re: Late Payment Marker removal

granted, but there's no actual harm or detriment done in complaining though? and perhaps by the time the SAR comes back there may be something else DPA-related to beef up the complaint with something more substantial...always a possibility...

[Gerry]

Re: Late Payment Marker removal

well apologies, but I know nothing of these timescales/problems etc....

No need to apologise you haven't done anything wrong. Your not a mind reader how were you supposed to know about the backlog.

gerry x

Do some major grovelling, it'll work a treat...

[Never-In-Doubt]

Re: Late Payment Marker removal

well apologies, but I know nothing of these timescales/problems etc....

Mate, it's not your fault.... thing is though, too many people go in two feet first and complain - yet if they asked some of us in the know, on varying forums, they'd soon see it is fruitless....

It's not their faults, its primarily the ICO's for not employing enough staff when they know we're in a recession and people (consumers) are fighting back.... it aint gonna go away overnight

So best of luck, however the ICO will not, unforunately, request removal of the late payment markers so don't hold your breath awaiting their reply - instead try appealing to the lenders better nature, forget threats - use tact and be nice (kinda like begging)....

[wizzywig27]

Re: Late Payment Marker removal

well apologies, but I know nothing of these timescales/problems etc....

[Gerry]

Re: Late Payment Marker removal

Gerry, well said - exactly how it is

It frustrates me that court cases are being stayed and we can't go for the kill as the lenders KNOW about their delays so they think they can force through a court case, which are they doing, knowing we need the SAR and the ICO cannot ask them to provide it, until they get the case which lately is taking 60 days upwards!

I know pal its a nightmare that people have to wait so long, worrying and stressed out waiting for a reply.

Gerry x x

[Never-In-Doubt]

Re: Late Payment Marker removal

It wisnae me boss...

Don’t take it personally wizzy. The ICO are overloaded with complaints. Niddy is helping people defend court actions and very serious debt problems and unfortunately due ICO backlog they are waiting months for a reply.

I understand that your problem is frustrating however its not critical in comparison to someone facing bankruptcy or losing their home. Put yourself in their shoes and think of the worry these people have got hanging over their heads.
Gerry x x love

Gerry, well said - exactly how it is

It frustrates me that court cases are being stayed and we can't go for the kill as the lenders KNOW about their delays so they think they can force through a court case, which are they doing, knowing we need the SAR and the ICO cannot ask them to provide it, until they get the case which lately is taking 60 days upwards!

[Gerry]

Re: Late Payment Marker removal

maybes me then?....but hardly with a glowing endorsement!

C'mon lets see your angels then.....

[The Debt Star]

Re: Late Payment Marker removal

maybes me then?....but hardly with a glowing endorsement!

[Gerry]

Re: Late Payment Marker removal

haha, not falling out fella, just trying to argue my point. I only complained cos someone mentioned it above

It wisnae me boss...

Don’t take it personally wizzy. The ICO are overloaded with complaints. Niddy is helping people defend court actions and very serious debt problems and unfortunately due ICO backlog they are waiting months for a reply.

I understand that your problem is frustrating however its not critical in comparison to someone facing bankruptcy or losing their home. Put yourself in their shoes and think of the worry these people have got hanging over their heads.
Gerry x x love