Late Payment Marker removal

[wizzywig27]

Re: Late Payment Marker removal

I wouldn't allow a direct debit to leave unless I knew it was there, ie if you had a DD set up then that's protected under the DD Guarantee so yea - i'd be more than happy mate.

I am only telling you the act mate, you have NO right to complain, don't fall out with me about it - like it or lump it, you have NO right to complain... sorry dude.

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

[The Debt Star]

Re: Late Payment Marker removal

I will SAR them, just not sure what is going on. Last time I had CIFAS (2005) I had about 30 of them, all visible on my credit file, this time...none (visible at least - as I know you said some are not visible on credit reports).

Wizz, one good thing about a SAR is that it throws up all sorts of stuff that you may find useful for expanding your complaint. So good idea and lets hope there's plenty there for Wizzy's Revenge!

[Never-In-Doubt]

Re: Late Payment Marker removal

well, we shall see what happens. If you had a direct debit going out for something without seeing what you were paying for first would you still let it go?

I wouldn't allow a direct debit to leave unless I knew it was there, ie if you had a DD set up then that's protected under the DD Guarantee so yea - i'd be more than happy mate.

I am only telling you the act mate, you have NO right to complain, don't fall out with me about it - like it or lump it, you have NO right to complain... sorry dude.

[wizzywig27]

Re: Late Payment Marker removal

Have you sent the SAR for cifas? It may be worth doing it anyway, just to see?

Well done on passing tenancy, however bear in mind they do not credit score the same as a bank lol. They only check for fraud, huge non payment and general stability.... they cannot and will not refuse you just cos you're a few payments behind or have the odd default.

I will SAR them, just not sure what is going on. Last time I had CIFAS (2005) I had about 30 of them, all visible on my credit file, this time...none (visible at least - as I know you said some are not visible on credit reports).

[wizzywig27]

Re: Late Payment Marker removal

You have no right to complain mate? Why would you do this and waste both your own and their time?

No wonder they have a backlog on proper cases when people complain over things they have no right to complain over. You missed the payment mate, even if there was a war you would still be expected to pay! You agreed to - you knew it was due - so no excuse mate, you should have paid!

Also, in all the N Brown group terms it says that you are liable to check your account standing online at regular intervals.

Mate sorry but you're wrong here, nothing you can do other than to "ask" the data Controller to review the data - however I can tell you now they will refuse, and rightly so.

well, we shall see what happens. If you had a direct debit going out for something without seeing what you were paying for first would you still let it go?

[The Debt Star]

Re: Late Payment Marker removal

I have now complained to the ICO, doubt it will have any bearing on their decision, !

there's more chance of you blowing angels out of your ar5e than getting them to do anything, Wizzy.

[Never-In-Doubt]

Re: Late Payment Marker removal

Good, I will turn this battle station around and blast Planet Casper instead lol

Mate, you were spot on. All the client can do is add a NoC and ask the controller to review the data entry. That is, unfortunately all he can do..... usually the lender say no, which is their prerogative....

Right enough of this nonsense, lol. I'm outta here! Adios Amigo's....

[Never-In-Doubt]

Re: Late Payment Marker removal

I dont think I have any at all mate as I passed the check for the tenancy with no problems at all. I think it may be because he used the old application data from 2005 when I was declined due to CIFAS!? Their systems may have seen a CIFAS from then, who knows!

Have you sent the SAR for cifas? It may be worth doing it anyway, just to see?

Well done on passing tenancy, however bear in mind they do not credit score the same as a bank lol. They only check for fraud, huge non payment and general stability.... they cannot and will not refuse you just cos you're a few payments behind or have the odd default.

[Gerry]

Re: Late Payment Marker removal

I have now complained to the ICO, doubt it will have any bearing on their decision, but I am annoyed that they are now ignoring me! sums this company up, had beef with them early last year about missing parcels, since my credit limits have remained VERY low! paying them off slowly and will close accounts when I get to zero balance!

What niddy says is true, but i understand its the principal thats annoying you.

Gerry x

[The Debt Star]

Re: Late Payment Marker removal

In a nutshell, I am 100% confident that Debt Star is actually right this time lol.

Good, I will turn this battle station around and blast Planet Casper instead lol

[Never-In-Doubt]

Re: Late Payment Marker removal

I have now complained to the ICO, doubt it will have any bearing on their decision, but I am annoyed that they are now ignoring me! sums this company up, had beef with them early last year about missing parcels, since my credit limits have remained VERY low! paying them off slowly and will close accounts when I get to zero balance!

You have no right to complain mate? Why would you do this and waste both your own and their time?

No wonder they have a backlog on proper cases when people complain over things they have no right to complain over. You missed the payment mate, even if there was a war you would still be expected to pay! You agreed to - you knew it was due - so no excuse mate, you should have paid!

Also, in all the N Brown group terms it says that you are liable to check your account standing online at regular intervals.

Mate sorry but you're wrong here, nothing you can do other than to "ask" the data Controller to review the data - however I can tell you now they will refuse, and rightly so.

[wizzywig27]

Re: Late Payment Marker removal

But mate with all your cifas warnings right now i'd seriously not worry about a late payment marker lol. They are insignificant if the rest of your report is ok.,

I explained all this on mse for you last year! 2 late payment markers in 6 months is the max - do not get any more. The two you have, assuming they're the only ones, will cause no detriment to your credit profile......

I dont think I have any at all mate as I passed the check for the tenancy with no problems at all. I think it may be because he used the old application data from 2005 when I was declined due to CIFAS!? Their systems may have seen a CIFAS from then, who knows!

I have also complained to Nationwide about this....I want them to speak to their Experian team and find out what the situation is!

[wizzywig27]

Re: Late Payment Marker removal

I have now complained to the ICO, doubt it will have any bearing on their decision, but I am annoyed that they are now ignoring me! sums this company up, had beef with them early last year about missing parcels, since my credit limits have remained VERY low! paying them off slowly and will close accounts when I get to zero balance!

[Never-In-Doubt]

Re: Late Payment Marker removal

it is so annoying, I have almost begged them to take it off, they just say it is a true reflection of how the account has been run! First late payment in 15 months!

But mate with all your cifas warnings right now i'd seriously not worry about a late payment marker lol. They are insignificant if the rest of your report is ok.,

I explained all this on mse for you last year! 2 late payment markers in 6 months is the max - do not get any more. The two you have, assuming they're the only ones, will cause no detriment to your credit profile......

[Never-In-Doubt]

Re: Late Payment Marker removal

If we can identify one person responsible for allowing the data to be published, then they can be held personally accountable for anything that is incorrect.

That's the way I see it, unless I've missed something.

But, the client did agree to the terms of the account and therefore knew a payment was due, failure to receive statement does not qualify for an excuse! In a nutshell, I am 100% confident that Debt Star is actually right this time lol.

Basically, there is nothing he can do other than to ask, and try appealing to the original creditor. The DPA does not come into this as the Data Controller (N Brown Group) did report factual data to the Data Processor (CRA's) about the Data Subject (customer).

Those are the 3 strings of processing under the DPA. There are no others.....

Data Subject = Customer - the customer authorises the Data Controller (the company) to share his data with the Data Processor (the CRA's).... therefore if the subject missed a payment then the controller has every right to report this to the processor.

Make sense?