Failed IVA

[Supergrover]

Re: Failed IVA

It's a store credit account.

[panther12]

Re: Failed IVA

What type of account is it that the default relates to - creditcard, loan, overdraft etc

[Supergrover]

Re: Failed IVA

There are no other defaults however this could be as it has been over 6 years, there's also nothing showing on my other credit files. Is there any way I can find out if it was added before? And does a default have to be added within a certain amount of time?

[panther12]

Re: Failed IVA

The way I read it TTI are saying they purchased the debt and are reporting the default already in place from the original creditor. They can do that provided the original default entry has been marked settled and the new owners continue reporting it under their own name but the dates including date of default have to match the original default. Sometimes a creditor doesn't report the default to the cra's but if the debt gets sold on the new owners might start reporting it. Niddy will be best placed to answer but if they are simply mirroring an already existing Default (albeit not previously reported to the cra) I would think this will have to be taken up with the original creditor.

[Supergrover]

Re: Failed IVA

Here is the reply I have received from callcredit today

Your complaint

Your complaint relates to a defaulted TTI SPC account on your credit report, and also your dissatisfaction in relation to the way your correspondence has been handled by our Customer Care Team.

Our investigation

Firstly, I would like to apologise for the obvious annoyance and inconvenience caused to you by your interaction with Callcredit thus far. We are fully committed to providing the best possible levels of consumer care, and my investigation suggests that we have fallen some way short of those standards on this occasion. Please let me assure you that your experiences will be reviewed internally to ensure that relevant training needs are addressed.
I can see you raised a dispute against the defaulted TTI SPC account on 23 January 2016. Our Data Disputes team in turn raised your concerns with the lending organisation in question on 3 February. Our Disputes team received a response from TTI SPC on 10 February, I have provided a copy of this response for you below:
‘The original creditor for the account is xxxxxx, our client TTI SPC purchased the account on 12/11/2012. Please advise the consumer that TTI SPC are a debt purchaser and the Insolvency Exchange manage accounts on their behalf. The buying and selling of debt has become more prevalent in recent years and is at the discretion of the seller (in this instance xxxxxx) and unfortunately they do not require the consumer’s permission to do this, the law only requires they notify the consumer of the sale.’

Unfortunately, we cannot remove information from your report without prior consent from the data provider. Arbitrarily removing data from your report would be unlikely to resolve the issue, because the data would be re-supplied the next time the data provider submits their file of information to us. You may wish to contact this organisation to discuss further, and consider the addition of a Notice Of Correction to this entry. A Notice of Correction is a statement that can be up to 200 words in length, explaining why you believe the record is inaccurate or incorrect. If you wish to add such a Notice, please submit your wording to me directly for review. The Notice will be visible to any organisation that subsequently searches your credit report.

Now I am aware of who it is I can say that the last payment made to them was 2008/09 and I was never notified of the sale and the address they have listed on my file for the account I moved out of in 2008, they have advised me that if I am not happy I can contact the financial ombudsmen. Also as stated above they have advised of purchasing the debt in 2012 but have the default listed as 2011 and account opening date as 2004.

[Supergrover]

Re: Failed IVA

Great, thanks. I'll do that this afternoon. Hopefully will get somewhere. Seems today is the day for complaining about awful service, most of the day so far on the phone to BT and Hotpoint.

[panther12]

Re: Failed IVA

You'll probably get a better response dealing with callcredit. Their complaints procedure is here:

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

If you are unhappy with the service you have received from a team within Callcredit Information Group, you can register a complaint directly with them for investigation, either verbally or in writing.

That's stage 1 which you have done (Noddle are part of Callcredit Information Group).

STAGE 2 – IF YOU REMAIN UNHAPPY WITH OUR RESPONSE TO YOUR COMPLAINT
Hopefully, we will resolve your complaint at first point of contact. However, if you do not agree with our findings, you can escalate your complaint to our Customer Relations team for further investigation and final response.
There are two ways you can escalate your complaint to the Customer Relations team:
1. You can contact them via email at customer.relations@callcreditgroup.com
2. Or you can write to them at:
Customer Relations
Callcredit Information Group
One Park Lane
LEEDS
LS3 1EP

I would send callcredit customer relations a copy of your complaint and response received from Noddle plus Niddy's additional comments and see what they come back with.

[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.

[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.

[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

[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

[Supergrover]

Re: Failed IVA

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

[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.

[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.

[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.