The ICO states in its forward to the SCOR document: “ICO will retain a keen desire for just how individual information is prepared in the credit industry, given the significance for folks of choices according to CRA information. Accurate documentation lodged with a CRA must certanly be a reliable representation of an individual’s credit standing. The info Protection Act 2018 probably will have now been breached where, for instance, inaccurate, away from date or exorbitant individual information is getting used to evaluate your credit-worthiness.”
I do believe it’s this that has occurred right here. If Satsuma had added the standard after 3-6 months of arrears it will be dropping down a year sooner than it’s going to presently. This implies my missed payments are increasingly being maintained record for 7 and a years that are half.
If you don’t reconsider your decision, i’d like my grievance to visit an Ombudsman.”
Many thanks Sara for the reaction , i shall back take this to your adjudicator and inform you the end result. I actually do really appreciate the right time you’ve got invested evaluating this dilemma. Yesterday i didn’t know where to start. Therefore many thanks once again.
Hi Sara i simply wished to upgrade back at my email from addjudicator we received today. They havd told satsuma to alter the standard date to March 16 nearly instant same day payday loans online Kentucky one earlier year . It is often a long challenge with satsuma refusing to improve it and telling me personally it might never be done very nearly half a year utilizing the ombudsman solutions . But if I’dn’t had the usage your understanding I quickly might have simply nearly accepted the addjuticator . Many thanks for the make it has actually means a lot in my experience and my loved ones.
James M Harding says
We have three years of missed payments back at my credit where i have already been spending paid down amount as agreed with my financial obligation administration agency. In addition have actually 4 defaults to 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 not any longer get any more missed repayments however i am going to need certainly to wait the 6 years of these missed payments to disappear despite having the remember that your debt happens to be paid. I’ve been wanted to replace the three years of missed payments to a backdated standard to ensure in 2-3 years time all of the defaults fall down my report together. Which choice do I need to decide on?
We published a note on here formerly regarding default that is changing. I became effective in negotiating modification of standard times with Halifax and RBS, however Zopa declined to simply accept that they had addressed me personally unfairly therefore will never budge regarding the date. We taken care of immediately these with a subject access request along side mentioning it might be introduced into the ombudsman that is financial. (I’ve referred it however they are yet to react using their choice).
They will have now did not supply the information access, for more than 8 weeks. I became wondering if you were to think this might assist my situation using the economic ombudsman or whether i ought to contact Zopa or go to the monetary ombudsman once again?
Sara (Financial Obligation Camel) says
It’s aggravating but it really isn’t very likely to assist you win the FOS situation.
Okay. Thanks for the minds up. I’ll perhaps push them for this then.
I’ve a debt with lowell the default that is original had been dec 2013 …but ended up being updated to dec 16 now showing the later date just may I ask because of this to be eliminated or otherwise not
Sara (Financial Obligation Camel) says
The lender that is original a default if Dev 2013?
Christine Spillane says
Hi, We have noticed on my credit file from clear rating that I have defaults which can be a lot more than 6yrs old but are nevertheless showing up on my credit file. How to get these removed while they went through the mark that is 6yr.
Sara (Financial Obligation Camel) says
Ask Clearscore why they’ve been here.
Hi, we had a DRO on August 4th 2014 which includes dissapeared today! But 2 regarding the creditors continue to have recorded a later standard date (August 20th 2014, therefore 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? Exactly how impact that is much that have to my credit report?
Sara (Financial Obligation 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 an extremely similar question.
FYI, I are now living in Scotland and ended up being looking to let this fall down at the conclusion of 2023, saving for home financing and everything that is doing enhance my scores 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 this the standard date??) “No data recorded” from July 2017 may be the only other information i will offer you out of 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 keep reading your website that will disappear completely as soon as the default “Falls off”?
To enhance my confusion, Transunion show the account as available yet the other two reveal it as “In Default”
I suppose the quick real question is, should all of these autumn off my reports because of the end of 2023? Providing I’m not issued with a decree.
Bonus matter: What’s the possibilities of getting court action in Scotland for the sum of £2018?