The ICO claims in its forward to the SCOR document: “ICO will retain a keen fascination with just how individual information is prepared in the credit industry, because of the importance for folks of choices centered on CRA information. A record lodged with a CRA should be a reflection that is reliable of individual’s credit standing. The information Protection Act 2018 will probably have now been breached where, as an example, inaccurate, away from date or extortionate data that are personal used to assess your credit-worthiness.”
I do believe this is exactly what has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it will be dropping down a year prior to when it’s going to presently. What this means is my missed payments are increasingly being continued record for 7 and a half years.
I want my grievance to visit an Ombudsman. unless you reconsider your final decision,”
Many thanks Sara for the reaction , i shall back take this to your adjudicator and tell you the end result. I really do really appreciate the right time you have got invested evaluating this dilemma. I did son’t understand the place to start yesterday. Therefore many thanks once again.
Hi Sara i recently wished to upgrade on my e-mail from addjudicator we received today. They havd told satsuma to alter the standard date to March 16 very nearly one earlier year . It was a long battle with satsuma refusing to improve it and telling me personally it may never be done nearly half a year utilizing the ombudsman solutions . But if I experiencedn’t had the utilization of your understanding however will have simply almost accepted the addjuticator . Many thanks for your make it has actually means a complete lot for me and my children.
James M Harding says
I’ve three years of missed payments to my credit where i have already been having to pay paid down amount as agreed with my financial obligation administration agency. We also have actually 4 defaults back at my credit history from three years ago from my other debts. We have the capacity to spend from the financial obligation in full now so i no more get any more missed repayments however i am going to need to wait the 6 years of these missed payments to fall off despite having the keep in mind that your debt happens to be compensated. I’ve been agreed to replace the 36 months of missed payments to a backdated standard to make certain that in 2-3 years time all the defaults fall my report off together. Which choice can I choose?
We published an email on here formerly regarding changing standard times. I became effective in negotiating modification of standard times with Halifax and RBS, but Zopa declined to just accept that they had addressed me personally unfairly therefore wouldn’t normally budge regarding the date. We taken care of immediately these with a subject access demand along side mentioning it will be introduced towards the ombudsman that is financial. (I’ve referred it however they are yet to react making use of their choice).
They usually have now didn’t supply the data access, for more than 8 weeks. I became wondering whether I should contact Zopa or go directly to the financial ombudsman again if you think this may help my case with the financial ombudsman or?
Sara (Debt Camel) says
It’s aggravating but it really isn’t prone to assist you win the FOS situation.
Okay. Thank you for the relative minds up. I’ll perhaps push them because of it then.
I’ve a debt with lowell the default that is original had been dec 2013 …but had been updated to dec 16 now showing the subsequent date just could I ask with this to be removed or perhaps not
Sara (Debt Camel) says
The lender that is original a default if Dev 2013?
Christine Spillane says
Hi, we have actually noticed on my credit history from clear rating that We have defaults which can be significantly more than 6yrs old but are nevertheless showing up on my credit history. How do I get these eliminated because they went through the 6yr mark.
Sara (Financial Obligation Camel) says
Ask Clearscore why they have been here.
Hi, we had a DRO on 4th 2014 which has dissapeared today august! But 2 associated with the creditors continue to have recorded a later standard date (August twentieth 2014, so to not troubled about this one until it drops off my file) but the other that is wrong has March 2015 as the default date, should I be contacting the creditor to change it to the date I entered the DRO or just leave it as it’s a couple of weeks away? Just how much effect would that have to my credit history?
Sara (Financial Obligation payday loans UT Camel) says
I think it’s best to ask the creditor to correct the later one as you say a couple of weeks doesn’t matter but.
Sorry to hijack but I’ve seemed on all 3 agencies and a tremendously comparable question.
FYI, I reside in Scotland and had been looking to allow this fall down at the conclusion of 2023, saving for a home loan and everything that is doing enhance my ratings for the time being.
An“Account Settled” date of 31/07/2017 (Is this the default date??) But a “Last Updated” date of 15/03/2020 These guys put a marker on every month that looks like I’m defaulting again but I’ve read on your site that should disappear when the default “Falls off” on Experian; I have a “Current Status” of “Default/Ended”?
On Equifax; We have an “Updated” date of 17/08/2017 (Is it the standard date??) “No data recorded” from July 2017 may be the only other information I’m able to offer you with this one.
On Transunion; The “Date of Default” is 31/07/2017 nevertheless the “Last Updated” date is 04/07/2020 this option place a marker on on a monthly basis that looks like I’m defaulting once again but I’ve continue reading your website which should vanish as soon as the default “Falls off”?
To enhance my confusion, Transunion show the account as available yet one other two reveal it as “In Default”
I suppose the quick real question is, should these all autumn off my reports by the end of 2023? Offering I’m not issued with a decree.
Bonus matter: What’s the probability of getting court action in Scotland for the sum of the £2018?
