Fred Bassett v Arrow Global

[Never-In-Doubt]

Re: Fred Bassett v Arrow Global

^^^^ Look up

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Thanks Niddy.

[Never-In-Doubt]

Re: Fred Bassett v Arrow Global

Based on Oscars earlier dispute, send this version now....

I recently contacted you to complain about incorrect data being reported on my credit file, to which I was fobbed off to the Original Creditor (MBNA).

I'd like to draw your attention to the Data Protection Act 1998 which clearly states that you, as a Credit Reference Agency, and as Data Processor are ultimately responsible for the accuracy of the information as provided to you by the Data Controller. I have explained that there is duplicate information which is one of the easiest actions for you to correct, yet you fobbed me off to MBNA. Well MBNA have refused to remove the inaccurate data and therefore I am formally demanding immediate removal of the inaccurate duplicate account data, namely the entry by MBNA, which you are obliged to do as you are the Data Processor in this instance.

There are two defaults showing; the incorrect entry showing in favour of MBNA and the second correct entry, showing in favour of Arrow Global. Both these "defaults" relate to the same account, which was bought by Arrow Global, by way of total assignment thus rendering Arrow Global as the correct default holder.

Please ensure this inaccurate data is amended within the next 7 days prior to a more formal complaint being raised with the Information Commissioner.

[Never-In-Doubt]

Re: Fred Bassett v Arrow Global

Sit tight. I'll do the dispute for you now mate..... Let me login to laptop.

[Fred Bassett]

Re: Fred Bassett v Arrow Global

You don't ever ask the OC. No. The CRA have a duty as Data Processor to ensure the data processed is accurate. Go back to the CRA and argue that you want THEM to remove the duplicate default or you're off to the ICO.

That should do it.

Thanks Niddy. It was the CRA that I contacted first and it was them that told me to contact MBNA direct. Clearly they are just being lazy.

[Never-In-Doubt]

Re: Fred Bassett v Arrow Global

You don't ever ask the OC. No. The CRA have a duty as Data Processor to ensure the data processed is accurate. Go back to the CRA and argue that you want THEM to remove the duplicate default or you're off to the ICO.

That should do it.

[Fred Bassett]

Re: Fred Bassett v Arrow Global

I reported this to the relevant CRAs. I was advised to contact MBNA directly which I have done. MBNA rang me and they refuse to remove this entry, even though it's being reported by Arrow Global. MBNA are a law unto themselves as we all know, so I will now go back to the CRAs and try to get them to take action.

This is a slightly odd situation and I don't want to rock the boat as far as Arrow Global are concerned. The reason being, that both Arrow and MBNA are stating that this will be reported until August 2014 - 6 years after MBNA issued their (probably defective) default notice. The point, however, is that in less than 6 weeks, this account will be statute barred. It could be that Arrow think they have until August next year to take action on this account, so I don't want to draw their attention to it until it is definitely stat barred. Once that happens, MBNA will have no right to report it either. Nothing stops them though does it? They will report that black is white if they want to.

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Thanks Oscar.

[oscar]

Re: Fred Bassett v Arrow Global

I would send something along the lines of this to the CRAs

I have recently viewed my credit file online via credit expert and have
found that some of the information is incorrect.

There are two defaults, one reoprted by MBNA and the second reported by
Arrow. Both these "defaults" relate to the same account, which was
bought from MBNA by Arrow. The fact that Arrow took ownership of the
account means they have registered the default and taken over as the
data processor. There never have been two accounts.

Therefore, please can I request removal of the duplicate information.

[Fred Bassett]

Re: Fred Bassett v Arrow Global

Thanks Vint.

[vint1954]

Re: Fred Bassett v Arrow Global

Fred,

Moved this over to your thread.

I would ask Niddy what to do as MBNA should not be reporting.

This account is with Arrow Global, but MBNA are still reporting it to the CRAs as a closed account but defaulted, which is not doing my credit record any good. Normally that wouldn't bother me too much, but at the moment it's important to me. The CRAs have advised me to contact MBNA. Is there a template to cover this sort of thing? I've had a look but can't find one.

Cheers.

Fred

[Fred Bassett]

Fred Bassett v Arrow Global

This account is with Arrow Global, but MBNA are still reporting it to the CRAs as a closed account but defaulted, which is not doing my credit record any good. Normally that wouldn't bother me too much, but at the moment it's important to me. The CRAs have advised me to contact MBNA. Is there a template to cover this sort of thing? I've had a look but can't find one.

Cheers.

Fred

[Fred Bassett]

Re: Fred Bassett v Arrow Global

If they do, you ignore it mate. Ignore their next few letters

Thanks Niddy. I think the reason they're trying to ring now is because I have ignored them since their last letter. As far as I'm concerned it's over.

Cheers.

Fred

[Never-In-Doubt]

Re: Fred Bassett v Arrow Global

If they do, you ignore it mate. Ignore their next few letters

[Fred Bassett]

Re: Fred Bassett v Arrow Global

After that, the bastards didn't ring. I suppose I've got that to look forward to tomorrow.