Fred Bassett v 1st Credit (Lloyds TSB)

[julian]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Fred, there will be a cutover time when the account does not appear, or appears under both 'owners' names.

Can you not check the account form where you normally pay, to make sure you have a copy of all payments? You will need to rub their face in the evidence, or have it up your sleeve to wack them with when they try and force action. They are gamesmen and may push you to the brink and then withdraw. B**t**ds that they are.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Fred, there will be a cutover time when the account does not appear, or appears under both 'owners' names.

Can you not check the account form where you normally pay, to make sure you have a copy of all payments? You will need to rub their face in the evidence, or have it up your sleeve to wack them with when they try and force action. They are gamesmen and may push you to the brink and then withdraw. B**t**ds that they are.

Julian.

Thanks, but I'm not paying this and haven't for over 5 years. I'm intrigued and slightly worried why it doesn't appear on my credit file. I know it's not SB for about another 8 months.

Cheers,

Fred

[julian]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Yes it is unsettling waiting for the pain to end. Do you wiggle to check or just stay still?

Noddle takes ages to update and when they do they only publish a new file once a month. As a result you may find next month or the month after it will pop up under 1st Credit. I don't know about the Annual Credit Report. Niddy believes that Noddle is not the best CRA and has previously advised to try Experian to check.

However, it could be that the arguments you have put forward have convinced them that they cannot pursue the claim and so aren't bothering - hopefully.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Yes it is unsettling waiting for the pain to end. Do you wiggle to check or just stay still?

Noddle takes ages to update and when they do they only publish a new file once a month. As a result you may find next month or the month after it will pop up under 1st Credit. I don't know about the Annual Credit Report. Niddy believes that Noddle is not the best CRA and has previously advised to try Experian to check.

However, it could be that the arguments you have put forward have convinced them that they cannot pursue the claim and so aren't bothering - hopefully.

Thanks Julian,

I've just checked Annual Credit Report again and I have listed on there older checks. I've gone back to May 2012 where this report was present. Intriguingly, it states on this report under the heading "removed from file" that the date is January 2013. They must think it is statute barred already, hence it's non-appearance.

If that's the case, can I use the SB argument even though I'm certain that this is not the case for another 8 months?

Cheers.

Fred

[ken100464]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Hey Fred

Just off the top of my head they could have removed it because you had a default 6 years ago?????????? But just a reporting one to the CRA's

You could have been doing things after that date i/e arrangement to pay, talking to them usual stuff on a meltdown.

We have quite a few of these where activity continues after the default but everything be eliminated on the 6th birthday of the default on the CRA's. But no way will the be SB.

If you think its 8 months time then its likely to actually be that. I wouldnt poke anything that makes them look any closer.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Hey Fred

Just off the top of my head they could have removed it because you had a default 6 years ago?????????? But just a reporting one to the CRA's

You could have been doing things after that date i/e arrangement to pay, talking to them usual stuff on a meltdown.

We have quite a few of these where activity continues after the default but everything be eliminated on the 6th birthday of the default on the CRA's. But no way will the be SB.

If you think its 8 months time then its likely to actually be that. I wouldnt poke anything that makes them look any closer.

Hi Ken,

The chronology here is this:

December 2005 - went into a DMP with the CCCS
December 2006 - Default notice served (while I was in my DMP)
November 2007 - Last payment on DMP - they might have got this early December 2007, so not sure what would count as the payment date
December 2007 - Default appeared on my credit file - previously it was flagged as 'AR' - arrangement to pay.

All of the accounts I defaulted on were defaulted at the same time, but the date when they are 'removed from file' varies. In this case, my credit file has shown this 'remove from file' date since at least June 2009.

Cheers.

Fred

[MrsD]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Fred

better not to rummage about on credit reports until after you believe it to be SB + a month

everytime you rummage on credit reports a great big flag goes up to DCAs

[ken100464]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Think that is probably your answer there.

The default date some where has been recorded Dec 2006 therefore correct it goes off file Dec/Jan 2012/13. Therefore nothing on your Credit file.

Everything has been wiped and correctly so.

SB is as you concluded Nov 2013 corresponding with your last payment on to the account. As long as no correspondence has acknowledged it.

We have exact same thing happen but DCA decided to update a default date on CRA.

They a lighter in the wonga department as we had kept copies of old CRA file showing original default. FOS have just smacked them.

Think something I took time to grasp was the date they send you a default notice and the date they record a default on the CRA doesnt always correspond to the same thing.

Why I do not know but seeing as it is financial institutions making the rules up as they go along nothing surprises me.

But in this case would suggest this is more than likely the reason its gone.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Fred

better not to rummage about on credit reports until after you believe it to be SB + a month

everytime you rummage on credit reports a great big flag goes up to DCAs

Thanks Mrs D.

[ken100464]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

And thinking about it your OC could have surprise surprise been doing exactly what the ICO suggests they do when an Arrangement to Pay is entered.

They should not put you in a worse situation than if you had stopped paying all together.

If you cannot return to full contractual payments after a short term AR then the agreement has broken down and a default should be registered.

And if you think about it it should be entered when the AR started not 6 months later as that is a 6 month penalty in its own right.

You go into AR Dec 2006. They allow you time to get back on your feet. You cant so agreement is in default. They record it and backdate to Dec 2006 when you first entered AR.

Blimey OC doing as it should.

I need to sit down feel faint.

[julian]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Default before last payment. That sounds a very sensible reasoning.

"everytime you rummage on credit reports a great big flag goes up to DCAs"

Mrs D can you explain what you mean by "rummage"? ie look at the file or contest an entry.

By opening account you should be entering into a contract with the CRA to view the records they hold on you similar to SAR.
I cannot see where they take the right to tell the world you are looking at your records.
I can see that to contest or request change may be reported back to the 'offending' DCA.

However, I know that they are sneaky.

[ken100464]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Think what Mrs D was trying to put across was the more you furtle about in your CRA the more likely your going to hit a trigger that sends an alert to any party that has paid for such alerts.

All innocent stuff when you are happy furtling but all designed to obtain information.

Noddle survey??? You had one? I did. Nice tick box to confirm your sign up details are the same. Why? Oh yes confirm your address. Who wants a current address.

Yep someone like Marlin cause we may have moved since someone chased. And thats just an innocent survey about what I think of noddle.

Trust a CRA as much as you trust a creditor. You wont be disappointed when they feck you over.

P.S within 2 weeks of us doing the happy survey all of our creditors had written demanding we contact them to discuss how they could extract more.

Coincidence maybe conspiracy possible active manipulation of data probable.

[julian]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Doesn't make it right.

Just a bit fed up with having to justify my life to a call centre employee or an admin executive on minimum wage. They are the new Slumdog Millionaires getting bonuses for finding value in piles of rubbish accounts. These are the new Private Sector jobs created to replace those lost Public Sector jobs of teachers, nurses and social workers.

I always avoid the surveys, but it doesn't mean they don't track me. There are certain details on my file that are wrong and I have no intention of correcting them. Their fault not mine, so their bad luck. It makes sense never to give more details than you need to, or raise your profile. When it comes to any legal claim, I don't think CRA listings have any standing, so why correct their errors. The CRA only serve the consumers' interests if you need to obtain any credit which relies on a clean search. As a record can be trashed by a single late payment in some circumstances, it is often unfair.

[Fred Bassett]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

Just posted to my UE diary that I've had a letter from Connaught Collections stating that they are no longer dealing with this case and it has been passed back to the original creditor. I'm not sure if that's good or bad. By the end of this year it will be stat barred. It might even be by the end of November.

Has anyone else got one of these and should I be worried?

Cheers.

Fred

[Never-In-Doubt]

Re: Fred Bassett v 1st Credit (Lloyds TSB)

No it's great. Chillax and sit tight