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  • 'Account Information' details no longer listed???

    Hi,

    In my 'Account Information' on my CerditExpert account some of my old defaulted accounts are no longer showing? The creditors are HSBC and Cahoot (Santander)? The Cahoot account has not been visible on there for a couple of years now (even though I owe them in excess of 10,000 and not had any correspondence regarding the debt for years?), I have just logged in to see my two HSBC accounts are no longer listed? Any ideas???

  • #2
    Re: 'Account Information' details no longer listed???

    Are they over 6 years since last payment or reporting on CRA

    Comment


    • #3
      Re: 'Account Information' details no longer listed???

      Originally posted by vint1954 View Post
      Are they over 6 years since last payment or reporting on CRA
      Not that I was aware of?

      I have found the Santander account on Equifax however!

      Comment


      • #4
        Re: 'Account Information' details no longer listed???

        I had this happen to me recently with a Lowell Account. They sold it to Provident and Lowell removed the entry from my file - It was over 6 months later that Provident put it back on there again with the sate dates etc. I have in the past had accounts drop off and no re-appear and it has always been when they have been sold on. Hopefully this is of some use to you and hopefully yours wont come back!

        Comment


        • #5
          Re: 'Account Information' details no longer listed???

          Its re-appeared. Been sold to MKDP LLP.

          Comment


          • #6
            Re: 'Account Information' details no longer listed???

            Yea sometimes the lender removes the account if they assign it, the dca will then take over the reporting.

            Avoid getting your credit report. It's like blood to a shark!/glowing beacon to DCA's!
            I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

            If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

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            • #7
              Re: 'Account Information' details no longer listed???

              I don't quite understand? Do DCAs see when I checked my report last/how often?

              Comment


              • #8
                Re: 'Account Information' details no longer listed???

                No they don't. The CRA sell your data now as do DVLA etc!!

                when you search your record the CRA has been known to let your creditors know
                I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                Comment


                • #9
                  Re: 'Account Information' details no longer listed???

                  MKDP LLP have a tendancy to issue court proceedings so be wary
                  Legal Disclaimer
                  I am a solicitor Advocate who specialises in consumer credit and my firm is Joanna Connolly Solicitors. My leading case of Carey v HSBC set the legal precedence for creditors compliance with s.77 & s.78 Consumer Credit Act 1974 statutory requests & enforcement of debts in court. Any posts I make on the AAD Consumer Forum are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide on the forum is without liability. If you are unsure please seek formal legal guidance or contact your local citizens advice bureau at https://www.citizensadvice.org.uk.

                  If you need to contact me you can send me a message by clicking my username or by emailing me at jo@joannaconnollysolicitors.co.uk or by telephoning 0330 053 9340.

                  Comment


                  • #10
                    Re: 'Account Information' details no longer listed???

                    Originally posted by josie888 View Post
                    MKDP LLP have a tendancy to issue court proceedings so be wary
                    Thanks for the heads up. We are on good terms at the moment and in an agreement to pay a fixed amount monthly.

                    Comment


                    • #11
                      Re: 'Account Information' details no longer listed???

                      Originally posted by lloydjones View Post
                      Thanks for the heads up. We are on good terms at the moment and in an agreement to pay a fixed amount monthly.
                      Which explains the reappearance of the CRA data
                      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                      Comment


                      • #12
                        Re: 'Account Information' details no longer listed???

                        Originally posted by Never-In-Doubt View Post
                        Which explains the reappearance of the CRA data
                        I don't understand?

                        Comment

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