Egg's demise - who now has my account?

[ken100464]

Re: Egg's demise - who now has my account?

I think the default should be marked settled or satisfied if the sums have been repaid.

Exactly thats why I was asking what the OP thought was wrong?

They could be showing a settled default?

When I was stupid and didnt know anything. Please dont say I still dont I was a bit disturbed everybody was showing defaults and my OH's CRA was like war and peace. It was a lengthy tome for sure.

But when it was drilled down actually besides one company they all had it right. But it took a while to work they had.

We dont actually know what the OP thinks is wrong. Its just stuff

[gravytrain]

Re: Egg's demise - who now has my account?

Having read the OP original post I am unsure exactly what the incorrect information is.

He seems to be saying the Loan is all paid off now BUT after it was defaulted.

Therefore is the CRA report still indicating it is a live account?

I think the default should be marked settled or satisfied if the sums have been repaid.

[gravytrain]

Re: Egg's demise - who now has my account?

Getting off topic a bit here I think the OP just wanted a way of identifying the owner of his account and those responsible for the maintenance of his file.

I think that the CRA would be aware of who was updating the account, if they weren't, then as the guidelines say the would be partially responsible for its content.

My understanding is that the CRA can be made to rectify mistakes anyway via virtue of the CCA,(section 158/59).

In any case my first recourse wold be via the CRA and a complaint(because it has worked for me)

[Never-In-Doubt]

Re: Egg's demise - who now has my account?

Sorry but this is the guidelines again

http://www.ico.gov.uk/~/media/docume...%20%20doc.ashx

54 Where the purchaser of the debt does not agree to take control of the record, the original lender, and at least in part the credit reference agency, will remain responsible if the original record is kept on the file. When the debt is sold or assigned, the customer will no longer owe any money to the original lender. If the record is not removed, the sale or assignment should be recorded and the balance should be shown as

Ok guidelines from a body that cannot do anything! Just to clarify, the ICO's role is to help, guide and teach businesses to process data properly. They are not the FOS or FSA and cannot exactly fine a business thousands (although that is to change I believe) but the point is the data processor cannot be held liable based on the processes used, ie they rely on updates from the data controller and if the controller keeps adding data each month then the CRA can't avoid that. Therefore they throw in their exemption clause - which sadly those guidelines you quote do not show.

There are always exemption classes.

[ken100464]

Re: Egg's demise - who now has my account?

I meant Egg's response is crap mate. All financial data should be retained for 6 years since account closure.

Hence a SAR is a very good idea to get hold of this info before they start to play this card.

I note he has no account info so if he had PPI he needs to get this info via a SAR before the mincer gets it.

[gravytrain]

Re: Egg's demise - who now has my account?

Sorry but this is the guidelines again

http://www.ico.gov.uk/~/media/docume...%20%20doc.ashx

54 Where the purchaser of the debt does not agree to take control of the record, the original lender, and at least in part the credit reference agency, will remain responsible if the original record is kept on the file. When the debt is sold or assigned, the customer will no longer owe any money to the original lender. If the record is not removed, the sale or assignment should be recorded and the balance should be shown as

[Never-In-Doubt]

Re: Egg's demise - who now has my account?

Only saying what other forums are saying.

Using DPA against us. No reason to keep information beyond when it is needed. As there is no contract as account is closed is the excuse.

Maybe in this case as OP had it till 2008 he maybe fine. But have defo read a number of bods who have this as the response to a SAR.

I meant Egg's response is crap mate. All financial data should be retained for 6 years since account closure.

[ken100464]

Re: Egg's demise - who now has my account?

Having read the OP original post I am unsure exactly what the incorrect information is.

He seems to be saying the Loan is all paid off now BUT after it was defaulted.

Therefore is the CRA report still indicating it is a live account?

[Never-In-Doubt]

Re: Egg's demise - who now has my account?

I think the OP needs to find out who is currently servicing the data, I believe the CRA have some responsibility in ensuring it is upto date.

The CRA's are excluded from that responsibility based on them being the data processor not controller (the account owner) hence they only report what the data controller tells them. They do have a duty to investigate once advised of problems but if the controller says leave it then the CRA leaves it.

When probed about this their response is "if we remove it when we perform a monthly feed it just comes back once the controller sends updated share data"...

It's all a croc of shit mate!

[gravytrain]

Re: Egg's demise - who now has my account?

I think the OP needs to find out who is currently servicing the data, I believe the CRA have some responsibility in ensuring it is upto date.

[ken100464]

Re: Egg's demise - who now has my account?

Only saying what other forums are saying.

Using DPA against us. No reason to keep information beyond when it is needed. As there is no contract as account is closed is the excuse.

Maybe in this case as OP had it till 2008 he maybe fine. But have defo read a number of bods who have this as the response to a SAR.

[Never-In-Doubt]

Re: Egg's demise - who now has my account?

With regards to your PPI claim you may find unless you have proof that you had it that Canada Square will say its a closed account and therefore they have no information. This has been posted on a couple of forums lately

So fingers crossed you do.

Nonsense lol. They can't say this - I'd SAR them and get a statement thus providing the necessary proof.

Then I'd FOS them for their lies and abuse of process. Yes they must tell you if it was applied to your account upon asking. They must know. They would be breaking the law if they destroyed such paperwork prior to 6yrs - without any online or archive backup.

[Never-In-Doubt]

Re: Egg's demise - who now has my account?

If your loan was closed before March 2011, or if you do not have the details of your new provider, please contact Canada Square Operations (formerly known as Egg Banking plc) at the following address:

Canada Square Operations
PO Box 4903
Worthing
BN99 3AR

[ken100464]

Re: Egg's demise - who now has my account?

With regards to your PPI claim you may find unless you have proof that you had it that Canada Square will say its a closed account and therefore they have no information. This has been posted on a couple of forums lately

So fingers crossed you do.

[cocokeelers]

Re: Egg's demise - who now has my account?

A big thanks to everyone. I'll contact Experian and also Citi.

I'm also going to reclaim my PPI which I was bullied in to.