Failed IVA

[Never-In-Doubt]

Re: Failed IVA

The letters are from drysden fairfax, for 2 separate accounts, they do not state who they are writing on behalf of, just their ref no. An amount and "call now for a huge discount".

Ok, based on the last payment made in 2009 I suspect these are duplicate default entries so the only way to get rid of them is to register with Experian & Equifax and then pay £2 for your statutory report. From there raise a dispute against the entries in question and add something such as:

"This account does not mean anything to me, I have never had any dealings with the firm who registered the default nor do I have any outstanding debts. From memory I was in an IVA which ended in 2009 and I recall all accounts being defaulted at that time. Therefore, being this alleged account suddenly appeared +2 years after the IVA tells you it is an incorrect entry because as you know, a Default would have been registered at the time I went onto the IVA if not earlier. The point is, I had no debts from 2011 - the date in which the default was added. As I do not have the foggiest who the firm is please have them remove the entry in line with your obligations when notified of incorrect and duplicated false entries. I must remind you the the provisions of the recent Foster-Burnell v Lloyds case will come into play if this erroneous entry is not removed forthwith. I also expect you to remind the firm of their obligations within the Principles for the Reporting of Arrears, Arrangements and Defaults at Credit Reference Agencies."

Supergrover - For your info (don't send this with the dispute above) - the case I refer to is here --> http://www.theguardian.com/money/201...rdraft-charges

Hopefully they'll then remove the entries or at least get in touch with whoever added it - don't worry as the debts should be SB so if necessary we can argue direct with them later but for now try the dispute approach with the CRA first - if they refuse or say 'go direct and dispute it with the firm' - just let me know and don't respond.

You can sign up for your CRA's here --> http://forums.all-about-debt.co.uk/s...wfull=1#post75

The DN says acc start date 2004 Default date 01/2011 this is with tti spc, whom I've never heard of. And has an acc no. Of 00000000. I def had made no payments to them. It shows as a default every month since 2011.

See above - for now, don't contact the firm direct.

this is also the only negative on my CF, I'm waiting on my experian report to see if there is anything different. Last time I looked was in 2010 and think this was on my credit file under a different company.

Again, if the entry shows then dispute it as above - if not then great.

I'm now concerned too about the others adding back to my CF and totally destroying it. I thought I had been doing a reasonable job of rebuilding in order to eventually get a mortgage.

Don't worry - one step at a time, first you need all 3 credit reports - there is Experian, Equifax & Call Credit - get the £2 statutory version asap and then let me know.

Good luck.

[Supergrover]

Re: Failed IVA

Sorry for the late response, I was driving all day yesterday. Thank you for all of your help. I will contact noddle as you suggest re default. And apply for the rest of my credit reports. Are noddle and callcredit the same, Or should I just do both?

I have heard back from noddle, here is what they had to say


I'm emailing regarding the dispute you recently raised, against some information appearing on your credit file which you would like to be removed
All financial accounts, CCJs and insolvencies remain on credit files for six years.Accounts remain for six years from the date that they have been settled and closed (or, if the account has fallen into default, six years from the date of the default). CCJs and insolvencies remain for six years from the start date.
The reason that this information remains on your file is to provide lenders searching your file with a clear understanding of how you have managed your financial commitments in the past. This helps them to lend both legally and responsibly which is crucial in the current financial climate – both for individuals and lenders.
Please be reassured that the information in question will be removed from your file automatically after the six year period has passed so there is no need to contact us at that time. It's worth noting though that your Noddle credit report refreshes every 30 days so it may be up to a month before you see the change reflected in the report you see.
I hope that I've clearly explained to you the reason this information will not be removed from your credit file, but if you have any questions please do feel free to get back in touch with us on dispute@noddle.co.uk.

[Supergrover]

Re: Failed IVA

Equifax is clear, I have contacted noddle by email to remove default after their first response but haven't heard anything back yet. How long should I give them to respond?

[Pixie]

Re: Failed IVA

I would wait a while longer yet.

[Supergrover]

Re: Failed IVA

Great news, my equifax and experian credit reports are all clear, only current information. No missed/late payments, nothing negative at all. Still no reply from noddle though, not even an acknowledgment of my email to them.

[Never-In-Doubt]

Re: Failed IVA

Great news, my equifax and experian credit reports are all clear, only current information. No missed/late payments, nothing negative at all. Still no reply from noddle though, not even an acknowledgment of my email to them.

Noddle is a secondary CRA - few credit firms solely rely on their searches (if any) (ie call credit)!

Your experian and equifax matter most - if they're clear then great! Nobody will ever ask for a copy of your noddle report, they'll accept a copy of either Ex or Eq though

[Supergrover]

Re: Failed IVA

Great, thanks so much for your help, I shall just keep ignoring any further letters then, they must just be trying to get a bite.

[Never-In-Doubt]

Re: Failed IVA

Sorry for the late response, I was driving all day yesterday. Thank you for all of your help. I will contact noddle as you suggest re default. And apply for the rest of my credit reports. Are noddle and callcredit the same, Or should I just do both?

I have heard back from noddle, here is what they had to say


I'm emailing regarding the dispute you recently raised, against some information appearing on your credit file which you would like to be removed
All financial accounts, CCJs and insolvencies remain on credit files for six years.Accounts remain for six years from the date that they have been settled and closed (or, if the account has fallen into default, six years from the date of the default). CCJs and insolvencies remain for six years from the start date.
The reason that this information remains on your file is to provide lenders searching your file with a clear understanding of how you have managed your financial commitments in the past. This helps them to lend both legally and responsibly which is crucial in the current financial climate – both for individuals and lenders.
Please be reassured that the information in question will be removed from your file automatically after the six year period has passed so there is no need to contact us at that time. It's worth noting though that your Noddle credit report refreshes every 30 days so it may be up to a month before you see the change reflected in the report you see.
I hope that I've clearly explained to you the reason this information will not be removed from your credit file, but if you have any questions please do feel free to get back in touch with us on dispute@noddle.co.uk.

Noddle is Call Credit.

I would respond to the query as follows:

Dear Noddle,

As you are no doubt aware, it is unacceptable to simply ignore genuine complaints especially when the complaint is in relation to false information based on a duplicate entry of an already expired default marker. You know full well that an account can only ever have one default marker and once that default has expired (6 years) that another cannot simply be added. This has occurred here and this is the sole reason I am writing to you. The default does not appear on any other report, ie Experian & Equifax which confirms that your data is incorrect.

I am not prepared to speak to the firm who placed the marker because I have absolutely no dealings with them - and never have. Therefore please, at your earliest convenience, investigate this and link it to the already exhausted entry. You will then realise your mistake.

This is a duplicate entry and I am now demanding immediate removal prior to seeking legal action.

That ought to kick them into touch..... keep me updated.

[Never-In-Doubt]

Re: Failed IVA

Great, thanks so much for your help, I shall just keep ignoring any further letters then, they must just be trying to get a bite.

See above - I would still get it removed because it's false information.

[panther12]

Re: Failed IVA

I agree, looks like the noddle reply was a stock response without them having read or understood why you were complaining. Just throw NiDs response back at them and see what they come back with.

[Supergrover]

Re: Failed IVA

Ok I'll do that now and hope they get it sorted. Thanks for your help

[Supergrover]

Re: Failed IVA

I have just received a letter from noddle regarding the dispute. The letter states "After investigation, TTI SPC has advised that the dispute entry cannot be amended as per your request. If you would like to discuss this matter further, please contact TTI SPC directly." Obviously I do not want to contact them directly but I'm not sure what I should do now to get this removed

[Never-In-Doubt]

Re: Failed IVA

I have just received a letter from noddle regarding the dispute. The letter states "After investigation, TTI SPC has advised that the dispute entry cannot be amended as per your request. If you would like to discuss this matter further, please contact TTI SPC directly." Obviously I do not want to contact them directly but I'm not sure what I should do now to get this removed

Send a photocopy of the last letter again, this time with a new cover letter along the lines of the below - are you doing this in writing? Why aren't you using the online dispute portal and / or email?

--> http://www.callcredit.co.uk/consumer...ints-procedure

consumer@callcreditgroup.com

** If you email just scan in a copy of your original letter and their reply and then title the email FORMAL COMPLAINT and copy / paste the letter below (editing the date)..... **

Dear Call Credit,

Ref: ENTER YOUR NAME / ADDRESS / DATE OF BIRTH

FORMAL COMPLAINT REGARDS DUPLICATE DATA IN RESPECT OF TTI SPC

My letter dated XXXX, copy attached, made my position crystal clear. This is a duplicate entry and therefore it is totally your responsibility to sort this matter.

I have never had any dealings with the firm you ask me to contact, however you can tell from your own systems that this is indeed a duplicated default entry. As you have been made aware of this then you must immediately purge the incorrect and libellous data. I am in the process of looking at mortgages and if I am declined as a result of this entry then you will hear from my solicitors. However, prior to seeking legal action against you I am raising a formal complaint for deletion of this duplicate information.

I look forward to your response within the next 7 working days, confirming that the duplicate entry has been removed.

Yours faithfully,


Sign Name Digitally

[Never-In-Doubt]

Re: Failed IVA

Noddle is Call Credit, so now it is time to follow Call Credit's complaint procedure - hence it is addressed to Call Credit and not Noddle.

For faster responses it's best to email things.

[Supergrover]

Re: Failed IVA

Thank you. I had used the online disputes service but they rejected it within minutes, I then sent email after email with no response, so I complained on social media and it was forwarded back to disputes. So the letter is the first response I've received. I shall do as you have advised and see what happens.