It's usually the data controllers - not sure if the addresses are the same or not. One of the other posters can hopefully assist with that.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Rovex - I assume you have had a look at your Credit files ? - and notice mistakes/wrong default dates etc
Bit of advice - a standard letter - leaving gaps for account numbers etc (fill this in by hand) and a handful of photocopies of you Completetion certificate, make a list of who you writing to - then "tick them off" as go.
Yes i am ready to send copies of the CofC and a letter, but the addresses are proving an issue. Ive just phoned 2 of the companies and they were no help whatsoever. My creditors are Max recovery, Intelligent finance, First direct, Natwest/RBS and LLoyds TSB.
Actually the Halifax one is showing as settled, i think that the intelligent finance one. The lloyds one has a default date in 2006, so that wrong as well, i do remember being badgered by them after the IVA was agreed.
what a tricky process. It really needs to be made easier! It doesnt help when banks change ownership. Intelligent finance were halifax, but seem to be not halifax any more.
Use this link to get the address of the data controller, they are the people who should know their obligations to correct inacurate data under the Data Protection Act.
You'll find customer services, either good or next to useless depending on who you get and their level of knowledge about their obligations under the act.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
I have used that page, but its not exactly user friendly, and often returns dozens of results. I think i have the addresses now, but its pretty much a guess.
Write to them - tell them they have 28 days to sort it out or you will take the matter further.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I will assuming im even writing to the right people. Its not like i cant navigate the internet, but really, what a ridiculous process. Thanks for your help.
I think Ombudsmen wants 3 contacts with the creditor before he will act.
This could be as simple as writing a standard letter asking them to amend the file, if they refuse following up, and then a third one telling them they have 14 days to act on the previous 2 letters otherwise you will forward it onto the ombudsmen.
The Information Commissioner may act after the 28 days on the first letter.
Long drawn out process, but given time it will work as the law is on your side if the data is wrong.
We're willing to wipe the slate clean, give you a fresh start. All that we're asking in return is your cooperation.
