Numerous statue barred debts - advice please, re current credit rating

[vegus]

Evening all - I have had lots of laugths reading the threads on here regarding DCA, not at the problems and stress they cause, but at the letters written to them and the telephone calls!!! Keep it up folks!!!

I was in serious debt a few years ago - managed to sort some out like rent and council tax and ignored the rest - my priority was keeping my kids fed. Maybe I shoudn't have bothered, given my first thread about 15 yr old!!!

 

I intermitenly received letters from DCA's stating I owed money, but just ignored them.

I have checked my credit file, looks lovely, as no judgements or late payments and no adverse information, but notice that a couple of DCA's have been searching my file.

I intend to write to the companies asking why they have completed a search on my file and when they respond that I owe debt, I will write the statue barred letter to them, as these debts are, given that I got a morgage three years ago.

My questions are as follows:

1) Do the DCA searches show up to companies who are doing a agreed search, ie where I have applied for a loan and given my agreement to them completing a search?

2) If above is yes, then how come? Don't I have to give signed agreement for someone to access my credit file?

3) How can I get the searches deleted as I know the debts are statue barred?

I am coming up to changing morgage deal and I don't want to be refused a good deal cos these lowlifes bough a debt for fiver and want to charge me £100000's.

The kids dad has left and thinks giving them a pound when he see's them on the street is upkeeping his kids, so I need every penny I get.

Many thanks for reading -

I think i am getting addicte dto this site!!

[vegus]

Actually, I will do the CCA letter first and get them to prove I owe the debt. Do people agree??

Many thanks fro reading and please answer!!!!!!

[WelshMam2009]

I'm rather interested by the fact that searches have been undertaken by DCA's of your credit file without your consent.

 

I, perhaps naively, didn't think that this was permitted without your consent.

[vegus]

Thats what I am thinking and I understand they are kept on your file for two years, so this would show as adverse credit.

Given data protection and the fact that DCA's get it wrong, why are they allowed to do this, without consent?????

Advise please!!

[Lula]

Are you sure that it is visible? When I opened an account with the National Lottery, for some reason (Identity) I presume, they did a search of my credit file, I was told that a search like this isnt visible to others, hopefully this is true, seems to be

[vegus]

It is visable - I checked my credit file and it shows searches by DCA's and then when you go into the searches box, it tell's you it is visable.

How can they get away with this without consent??

Any views on the letter's ie CCA letter before statue barred???

I don't want to get them in the wrong order or start something thats gonna give me grief!!!

Cheers!

[postggj]

Unrecorded Searches Are Not Seen By Lenders

 

The Only Exception To This Is A Dca Nasty

 

Outstanding Debt

 

That Does Show

 

I HAVE LOADS OF UNRECORDED SEARCHES AS I AM FOR EVER LOOKING ON LINE AT MY CREDIT FILES, ITS RECORDED BUT NOT SHOWN TO ANY ONE ELSE

[vegus]

So any advice on this Postggj??? Can anyone explain how they have the authority to do this????

[postggj]

You Need To Confirm The Debts Are Statute Barred

You Can Then Get Tough On The Dca To Remove All Info About The Debt On Your Credit File.

 

If It Has Been Over Six Years Since Last Contact, It Should Not Even Be On There In The First Place

[vegus]

I know the debts are statue barred - they don't show on my credit file and I have not respeonded to any communication for over 6 years.

How do I get tough??

What do you mean it should not be there? I don't think it should be there, but I don't know what to base this on?

This is the info I need please people. please respond!!!!

[cerberusalert]

You don't need to do anything unless a DCA contacts you, then you can send the 'Statute Barred' letter; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/578-letter-to-dca-persistant-after-statute-barred.html

 

Those searches will only be visable to you.

[vegus]

Sorry - the point I was making seems to have been lost.

The debts are statue barred as over 6 years

DCA's are searching my credit file and leaving their searches on my file.

How can they do this?

What can I do to resolve?

[Lula]

OK, what you need to do is to contact the Information Commissioners Office and state that you have no outstanding debts and that there seems to be some DCA's searching your credit file, tell them that you want to make a complaint. also, contact Trading Standards, To be perfectly honest, I do not know if it is ok for them to do this, but you may as well kick up a big stink.

[make them aktiv runners]

Been a little out of this, my research is 2 years old and could be out of date.

 

DCA's were not allowed to look at all the information on CRA files. They were given a special interface to trace people and had access to names/addresses/DOB, possibly electoral register information too. The interface did not leave a trace on CRA records.

 

The industry wanted to stand in the shoes of the original lender. They wanted the same access as other lenders. There was a bill proposed to allow them more access, I do not know if this ever went through. There was certainly opposition against it with one cagger (T-Bern) creating a petition against access. The Cabot fan club will definately know the current position, those still around are Andrew1, Elizabeth1 and Rhia.

 

Anyhow as the debts are statute barred, IMHO the searcher should be aware of that and should not be attempting to defame your character after 6 years at all.

[andrew1]

Been a little out of this, my research is 2 years old and could be out of date.

 

DCA's were not allowed to look at all the information on CRA files. They were given a special interface to trace people and had access to names/addresses/DOB, possibly electoral register information too. The interface did not leave a trace on CRA records.

 

The industry wanted to stand in the shoes of the original lender. They wanted the same access as other lenders. There was a bill proposed to allow them more access, I do not know if this ever went through. There was certainly opposition against it with one cagger (T-Bern) creating a petition against access. The Cabot fan club will definately know the current position, those still around are Andrew1, Elizabeth1 and Rhia.

 

Anyhow as the debts are statute barred, IMHO the searcher should be aware of that and should not be attempting to defame your character after 6 years at all.

 

 

Cabot Fan Club? - we know nuuuttin !

 

tbern123 and Seahorse, they're the one's you're after, take a stroll down some of these threads..

Sorry to disappoint you folks, but I don't actually know the answer Laid off the dca's for a holiday, got sick of waking up thinking about Cabot all the time - Ken Maynard in ya face each day and he's no pretty polly

 

Anyway, I digress.

 

The CRA's are a law unto themselves, think they are the law and nobody should question them. Big mistake...but they do keep this hidden data, certain dca's have access to credit info, but you'd need to speak to each of the CRA's to ask specifically, emailing them brings results within 2 days so prepare your questions and keep asking as awkward a question as you want answered. Then pop back here and we'll try and advise how to deal with each specific case. You obviously have a number of creditors from the past and if DCA's have bought into this delinquent debt then they need reminding of a few protocols. Remember though, just because an account is statue barred doesn't mean there's no money to collect, it's just they can't enforce it and shouldn't be trying to collect. Some of the more notorious dca's who occasionally get a good knuckle wrapping from the OFT like Mckenzie Hall will drop letters through the box on SB debts in the hope of picking up some easy money as they pay very little (2p in the £) for this kind of debt...big bucks if they collect from some unsuspecting debtor who hasn't found CAG yet.

[vegus]

Cheers -

I will email equifax and ask why they are allowing DCA to view my file without my permission and under what legislation they are allowing this to happen.

Then I will go to the information commiosioner offiice and trading standards to complain.

I won't contac them direct as they have not written to me, so I don't want to admit anything to them.

If I get hassle I don't understand I will be back!!