Bt default

[l8onjones]

Re: Bt default

Which email address do I send it is it the webmaster one?

[Never-In-Doubt]

Re: Bt default

Even better raise a dispute with the CRA saying YOU have never held a BT account and at the time in question you lived with your parents. They'll then contact BT. That channel allows you to then formally request BT remove it and if not you go to the ombudsman (OFCOM / Ombudsman Services) and the ICO.

Its easy to sort actually.

I said this right at the start - if you need help then just ask and I will help you resolve it

[Never-In-Doubt]

Re: Bt default

Ok and it only shows on Equifax?

Can you email me what your last dispute was. It's easy to sort.

[l8onjones]

Re: Bt default

No it shouldn't be there as I've never had a bt service and it has never appeared on there at all

[Never-In-Doubt]

Re: Bt default

It's only Equifax that have it recorded so that's why it's only them I'm chasing

Should the default be there? Have the other CRA's removed it upon your appealing?

[l8onjones]

Re: Bt default

It's only Equifax that have it recorded so that's why it's only them I'm chasing

[Never-In-Doubt]

Re: Bt default

Yeah I still have a horrible feeling this default is going to bite me in the butt

It will as HBOS do not offer mortgages with a default; if they did they'd get buggered with the new legislation in place.

As planB says you simply note the reference of the BT Default and then email the CRA direct --> Customer.RelationsUK@equifax.com

Why are you so hung up on Equifax anyway? What does the other two CRA's read? Pointless hassling one if the other two record the same data.....

[PlanB]

Re: Bt default

Ah right I see to the ombudsmen then I just thought if they hadn't replied it would automatically get removed

I would do what Niddy suggested (in the post below) after you contact Equifax for an update which they should have given you two weeks from the date of your complaint to them. That should prompt them to chase BT for a definitive response.

Even better raise a dispute with the CRA saying YOU have never held a BT account and at the time in question you lived with your parents. They'll then contact BT. That channel allows you to then formally request BT remove it and if not you go to the ombudsman (OFCOM / Ombudsman Services) and the ICO.

[l8onjones]

Re: Bt default

Ah right I see to the ombudsmen then I just thought if they hadn't replied it would automatically get removed

[PlanB]

Re: Bt default

The equifax dispute shows now as company no reply? I know its self explanitory but where does it go from there?

See this https://equifaxuk.custhelp.com/app/a...s-procedure%3F

[l8onjones]

Re: Bt default

The equifax dispute shows now as company no reply? I know its self explanitory but where does it go from there?

[l8onjones]

Re: Bt default

Yeah I still have a horrible feeling this default is going to bite me in the butt

[PlanB]

Re: Bt default

i already have an account with halifax so will they check so closely?

They'll cross-check your Halifax account with your application.

As I posted earlier, the Halifax DIP says it's only promised "subject to the information being supplied being correct".

[PlanB]

Re: Bt default

I cant see a way of chasing it on equifax's site

Really? I can.

See this https://equifaxuk.custhelp.com/app/a...s-procedure%3F

[l8onjones]

Re: Bt default

I have yet to hear back in regards to the BT default but I cant see a way of chasing it on equifax's site?
So if I have been fully credit check does it mean I wont be checked again? Plus i already have an account with halifax so will they check so closely?