If you have been turned down for a credit agreement such as a loan or a credit card, you have the right, under the Consumer Credit Act, to request that the lender provides you with details of the credit reference agency they used to access your credit file. You must do this in writing within 28 days and the lender must respond to your request within 7.
You can then write to that credit reference agency, to request a copy of your file, enclosing a fee of £2. As long as you have supplied all required information to the agency in order for them to verify your identity, they must send you your file within 7 days. If they hold no information about you, they must inform you but are under no obligation to return your fee. It is also their duty to ensure reports are in plain English and you are aware of your right to correct any wrong information.
The right to correct or amend any wrong information in your credit file
If an entry is incorrect and you feel this is likely to prejudice any decision against you regarding applications for credit, you can request this detail be corrected or removed. If the agency uphold your request, they must then write to you within 28 days telling you what has been done and (if applicable) send you the amended entry. Furthermore, the agency must notify each and every company which requested your credit file within the last 6 months that this has occurred.
The three main credit agencies in the UK are:
Equifax plc
PO Box 1140
Bradford
BD1 5US
Tel: 0870 514 3700
Experian Limited
Consumer Help Service
PO Box 8000
Nottingham NG1 5GX
Tel: 0870 241 6212
Callcredit plc
PO Box 491
Leeds LS3 1WZ
Tel: 0870 060 1414
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Dear Sir/Madam,
I am currently in dispute with mobile phone company regarding the loss earnings due to the illegal disconnection.
The case is under the investigation by OTELO.
At the same time, the provider, instructed the DCA to collect the debt.
The thing is, that it could be a bill issued for the last month of the contract.I never seen it.
However, I have terminated all services(due to the negligence of the provider as I said), when they were running on daily basis after the contract finished .
I requested the last bill, which never came.
When DCA started to demand money, I suspected that they included the illegal amount of the daily basis contract as well, which was canceled.
I have requested the bill and evidence from the provider’s main office but never received anything.
As far as I am aware, under the CCA sectionns 77-79, if the provider has failed to submit the evidence of the debt within 12 days, it makes the debt status void and the debt can not be enforced.
However, reading this site I am not sure, as It says that court still can enforce the payment due to the amendments to CCA in 2006.
Could you please clarify my situation.
The disputed debt under £150
Regards,
Thank you for the good writeup. It actually used to be a leisure account it. Glance complicated to more brought agreeable from you! However, how can we keep up a correspondence?
What statutory regulations provide me with a right to obtain a copy of my credit report. It seems its not the DPA 98 subject access, if it were a ten pound fee not avtwo pound one would apply.
I recently along with thosands of residents, tenants and lease holders received a letter from Phoenix Community Housing in Bromley Rd London telling us that unless we reply within 3 weeks to say opt out they will automatically register us with Experience as it will help those of us who wish to buy their property.
When I objected they were angry but agreed not to register nor share my details. I also told them that their letter is very misleading to others as most of the people either on benefits or pay their rent mothly in arrears at end of each month.
Therefore the letter should be withdrawn and amended to highlight that by registering on this schemed withe association and offered to them as join partnership with Experain could affect them much worse now than it did before as most people has a contract mobile. There any benefit or late payment will also affect any future credit from the mobile fone firm re upgrade and any other credit they might need. Also that Experian will not sell share trade and tenant resident if to it partners without consent etc should be told
There is lots needed to be done re the notice and register on this scheme. I was literally ran out of the housing office by security. The conversation was recorded unwittingly by a friend who was not with me but in reception at same time.
Please can you advise as to the legitimacy of what they did and how to expose them.