Incorect information. Who should take responsibilty? Experian or egg card?

[Yummy Mummy57]

Hello all, New to this

 

 

A default which was placed on my account in Nov 2002 I assumed that in Nov 08 would be removed off my record. However

I recently recived my credit file, on it there is a Default from egg but they have changed the date the Default to July 2004 with a the current balance outstanding the same as the default (ie it looks like I aint payed a penny back)

How can this happen?

Exprian are not avalible via the phone, and I want answers ( if any template letters please direct me)

 

I called egg and they said that they will remove the whole file as it appears that an error was made. BUT THEY WONT GIVE ME an explanation.

I have been refused credit as a result

 

Thanks

[Sparkie1723]

Both are responsible ...but you will find that the CRAs will attempt to avoid responsiblity, but under the DPA 1998 a CRA is classed as a "dual" data controller with Egg both with the same responsility to and to each other, this is what the law lords have said about this.

sparkie

 

(see [1920] AC 102 at 112, [1918-19] All ER Rep 1035 at 1037 per Lord Birkenhead LC). The credit rating of individuals is as important for their personal transactions, including mortgages and hire-purchase as well as banking facilities, as it is for those who are engaged in trade, and it is notorious that central registers are now kept. I would have no hesitation in holding that what is in effect a presumption of some damage arises in every case, in so far as this is a presumption of fact.

The other law lord said

Quote

 

Had there been no finding of specific loss in this case, I would have had no hesitation in finding that an award of damages for the mere injury to credit was appropriate. In modern society credit plays a very big part in the conduct of the daily lives of a significant portion of the population. The financial services industry is constantly advertising loans, credit cards, store cards, mortgages, consolidation accounts etc. To have one's credit worthiness impugned so that one is at risk of being unable to obtain credit on the grounds that he is not credit worthy is, if anything, a more significant matter for the individual than it would have been at the time of King, over a hundred years ago.

Edited May 14, 2009 by Sparkie1723

[Yummy Mummy57]

Thanks Sparkie

 

Could you direct me to a letter that I can send to them both. I called egg back today and they said that it will take 30days to be removed!!!! I want it removed 6 months ago

Edited May 15, 2009 by Yummy Mummy57
missed a word out