www.iva.co.uk

As mentioned in a previous post, I have a default on my Noddle/Call Credit record that is over 6 years old, but it's still showing on my record. I wrote to them asking them to remove it as it was over 6 years old and they have refused.

I can understand them refusing if the default was not more than 6 years old (it's incorrectly dated anyway and was included as part of my IVA which was completed in 2010)

Am I right in thinking it's up to them to remove it, and if so, who do I complain to?

Thanks in advance.

Try writing to the creditor involved enclosing a copy of your completion letter.

You may find that it gets removed.

I have just finshed having a moan about equifax but I did note on my new shiny £2.00 credit report that if I could not settle issue with them (my six years is comming up) then I can take it to the FOS as both my Exprian and Equifax reports are a mess.

I'm fast becoming of the opinion that the credit agencies are lazy giants who do little for their money in view of the profund effect they can on your life

If you write to them and they still do not remove the default, you can also call the information commissioners helpline on 0303 123 1113 for advice to help you to solve the problem.

If they cannot help you on the phone you may have to complain in writing to the infomation commissioners office.

Yyou will need to send:

•an up to date copy of your credit reference file (dated within the last six months);
•evidence that the information is inaccurate
•a copy of letters or emails you have sent to the organisation or the credit reference agency about the inaccurate information; and
•a copy of any letters or emails sent to you from the organisation or the credit reference agency.

Hope you get it sorted out soon

flip not another one to write how much?

Anyway cut paste from equifax website

If you are not happy with our resolution of your complaint, you can send it to the Financial Ombudsman Service which will independently review it. We will tell you when you can refer your complaint to the Financial Ombudsman Service.

The Financial Ombudsman Service
South Quay Plaza
183, Marsh Wall
LONDON
E14 9SR

Tel: 0845 080 1800

Yes as long as the ORIGINAL DEFAULT DATE is more than 6 years ago Call Credit have not got a leg to stand on they MUST delete it.

I'd call them and insist it is done, try one of these numbers during office hours...

0113 242 4747
or
0113 244 1555