Bt default

[Never-In-Doubt]

Re: Bt default

Yeah point taken haha ive been intouch with equifax so I shall wait and see equifax are still refusing to add my electoral roll details even though experian have

to add it ask for a letter from your local authority electoral department.

[l8onjones]

Re: Bt default

Ive been informed it will cost me 25 pounds to get that letter is it worth it? also i have noticed previous payday loans have recorded me as ms is there anyway I can get these removed due to that reason?

[Pixie]

Re: Bt default

I think you'll have to decide if the £25 is worth it for equifax to add your electoral roll details. Who told you the cost?

I doubt you'd be able to get the payday loan defaults removed for them stating you're a Ms.

[l8onjones]

Re: Bt default

The local electoral services told me the cost, and the payday loans arent defaulted their paid off on time but i have been told theyd have an adverse effect on me getting a mortgage?

[Never-In-Doubt]

Re: Bt default

Yep a charge CAN be applied sadly (http://www.electoralcommission.org.u...t-i-get-credit).

How many years are missing? If it's more than one but you were on the ER then the CRA is obliged to update it IF you provide evidence. A council tax bill is best. One for each year you lived there.

i provided 3 to Experian with a copy of my Equifax report and they corrected it so it does work.

[Never-In-Doubt]

Re: Bt default

The local electoral services told me the cost, and the payday loans arent defaulted their paid off on time but i have been told theyd have an adverse effect on me getting a mortgage?

Contact the PDL firms and demand they correct their records. Wait 14 days then raise a dispute with the CRA showing the incorrect entries and tell them it's an obvious error that needs resolving.

Regards mortgage. Yep. A PDL shows desperation (it does thus you're happy at a 2000+% APR) hence you will struggle to get a mortgage especially with the new mortgage approval tests (interview process).

PDL's are horrible.

[l8onjones]

Re: Bt default

Well I have recently moved to rented accomodation with my partner ( nov 2013) and have confirmation in an email i was added to the electoral roll for this address in march could i send them a copy of my experian report to show it?

also with the the PDL mortgage scenario im guessing its 6 years from the loan before I can look at a mortgage

- - - Updated - - -

also is there any template I can follow to send the PDL to ask them to change it?

[Never-In-Doubt]

Re: Bt default

You'd be best formally complaining to Equifax stating you want them to update the ER entry and attach evidence (Experian & CT records ECT).

Ref PDL there's no template. You email their complaints dept and say "the CRA entries show Ms yet I am Mr. Please amend the record on your next feed update or I'll be forced to complain to the ICO".

Then see what reply you get.

[l8onjones]

Re: Bt default

ok will do, also does it mean im snookered for a mortgage because would probably need to approach the situation with my partner....or worth while applying seeing the outcome then going from there to avoid the awkward situation?

[Never-In-Doubt]

Re: Bt default

Never say never. Worth applying and think up a good excuse for your interview ref the PDL's. I'd say "I heard they helped build my credit score so I foolishly got a few but only now with all the bad press do I realise it might hinder me"

That is plausible

[CleverClogs (RIP)]

Re: Bt default

Never say never. Worth applying and think up a good excuse for your interview ref the PDL's. I'd say "I heard they helped build my credit score so I foolishly got a few but only now with all the bad press do I realise it might hinder me"

That is plausible

Or, "Those loans were obtained by a woman who claimed to be living at my address at the time. I can assure you that I have never knowingly been female." ?

[CleverClogs (RIP)]

Re: Bt default

Ref PDL there's no template. You email their complaints dept and say "the CRA entries show Ms yet I am Mr. Please amend the record on your next feed update or I'll be forced to complain to the ICO".

Then see what reply you get.

Why not use their stupid and wholly irrational clanger to deny that one ever took out those loans?

[PlanB]

Re: Bt default

Why not use their stupid and wholly irrational clanger to deny that one ever took out those loans?

Because that would be dishonest

[PlanB]

Re: Bt default

the payday loans arent defaulted their paid off on time but i have been told theyd have an adverse effect on me getting a mortgage?

How long ago were all these PDLs paid off?

If they were never defaulted and were taken out/settled over three years ago it may not have a negative impact on your mortgage application especially if you can come up with a good reason for the temporary blip (historical job loss, divorce etc).

How many are there?

[Never-In-Doubt]

Re: Bt default

PlanB - a PDL WILL negatively impact a mortgage. That's a guarantee.

You need a legible excuse, I provided one on the last page which works

its a simple case of acting daft