Hi guys, default date listed is incorrect

[Willy Wonka]

Hi guys,

I entered into an IVA in April 2006. The IVA was settled in May 2009 and obviously we are now past the 6 year mark.

I therefore checked my Experian credit report to see where I was at.

On there are still two entries that shouldnt be - 1 to Barclays and 1 to Egg Banking showing the status as default & the balance as satisfied.

The reason they are still listed, is that the default date listed is incorrect.

I'm not looking to change anything financially imminently and they'll both fall off the report by June next year if I leave them.

I just wondered if it would adversely affect me if I left both entries on there showing incorrect information or is it worth trying to get Experian/the companies to amend their info so they fall off the report now?

Thank you in advance and regards!

[Niobe]

Hello,

Send a copy of your completion letter to the data controllers at Barclays and Egg and tell them amend the date to the day the IVA started.

That way they should drop off your record now.

[TheMatrix]

As Harpic says write to the data controllers for the two creditors.

Get their address from the ICO website at http://www.ico.gov.uk/what_we_cover/reg ... llers.aspx

Tell them to delete the defaults, they should have been gone in April this year.

[Willy Wonka]

Thank you for your responses guys. I've written to Egg now twice but the default is still showing and no sign the 'data controllers' doing anything about it. I therefore sent another letter etc special delivery but Royal Mail can't track it - priceless!

Anyone got any other ideas or is it just a case of keep pestering?!

[Kelly O]

Was your EGG account sold to Barclaycard?

[artemischild]

Beat me to it Kely! majority f egg was bought up by Barclays.

Try resending your cover letter and completion letter to
1 CHURCHILL PLACE
LONDON
E14 5HP

As i understand their now adminsitered by CLYDESDALE FINANCIAL SERVICES LIMITED

thats how its now listed on the ICo

arty

[Willy Wonka]

I genuinely don't know Kelly. Obviously when I entered the IVA it was Egg and that was when I ceased dealing with them (in 2006).

It's still showing as 'Egg Banking PLC' on my credit report also.

[Kelly O]

I suspect that the account was sold to Barclaycard and they have changed your account number. I suggest you call Barclaycard and tell them you were a previous EGG card holder and cannot trace the account.

They should give you the new account number and be able to give you advice

[Willy Wonka]

It was a loan, and I've just done some more delving and it appears Citi Bank kept hold of any Egg Loans?

http://www.citibank.co.uk/personals/car ... /egg.htm#8

I'll give them a letter/certificate to see where I get to with them as well as another one to the Data Controller.

I'll ring Barclaycard too!!!

[Kelly O]

My mistake i thought it was a card, yes i agree write to Citibank they may hold the account now, Egg wont be interested we've tried to speak with them about clients and they just say they can no longer trace the account! Not very helpful

[allancsn]

If all else fails you can force the credit file agencies to have the entry corrected as you have the Court evidence and the entry is therefore providing incorrect information and is in breach of the Data Protection Act and the data storing industry protocols.
I've forced them to actually remove entries as the provider would not respond or confirm the inforamtion.
Equifax are great -the others need you to pay for their subscription services before they'll take you seriously - but remember the information they show must be correct that is the law.

[Willy Wonka]

Citi Bank have told me Citi Financial deal with Egg Loans, who told me to write to Egg Loans at an address in Derby, that doesn't have a phone number.

Grrr!!!!!

[Kelly O]

Sounds a nightmare - fingers x you get it sorted soon

[Willy Wonka]

Having the credit agencies remove it sounds like the quickest way to deal with this.

I have the certificate of completion and report confirming the start date of the IVA as March 2006 and the completion in 2009 so it should have dropped off in March 2012 and I can't get any joy anywhere else, will go down that road, on the basis the company involved are ignoring me, and it's incorrect info, and it's adversely affecting me, which it is!

Cheers guys, you're all stars.

[Sebastian29]

I didn't think Barclays purchased any of the delinquent/defaulted card accounts from Egg. Didn't the distressed/non-performing portfolio stay with Citi?