Well so far the 2 CC's that I approached,
Company A has failed to provide the info requested under the DPA within 40 days so info comission is now involved.
The other well. let me call them company B. have so far
1) not provided any data older than May 2004 because its stored off site using an old medium and not stored in away that allows them to fall under the DPA... info commissioner is also being contacted about that.
2) In addition I have a letter from them that is amazing in the level of arrogance displayed. Basically "we're entitled to screw you, you agreed to let us do this when you signed the contract. tuff" Nuff said really.
To date the offered just the difference between the charges that I have been able to highlight (prior to discussing the arcaic storage issue with them) with no interested added. Bearing in mind some of these charges were nearly 3 years old, thats 3 years of compound interest they have had in addition already. Still the more they try to dodge and duck this ,more it will cost them to settle...
---------- Post added at 08:56 ---------- Previous post was at 08:53 ----------
Quote:
Originally Posted by popper
Just How Bad Is A 'Default' Notice
Very bad and here's an example. You'll struggle to find a bank that will even issue you with a chequebook! Although, if you already have one with your current bank they won't take it away.
And as for mortgages (with decent interest rates), credit cards and cheap loans forget them all if you have the word 'default' anywhere on your credit file, and even as we've said above if it's marked as 'satisfied'." |
I can testify to this. NTL put a default note on my credit record for £2* (yes thats correct, its not a typo) I only found it after 5 years but by then the damage had been done. I did get them to remove it but I'll never ever sign up with NTL again. Once removed, the indicitive credit score nearly doubled (to just under the top level)
*the £2 was for 2x the £1 charge they were charginf for non DD in those days... I paid off the bill when the account closed and ended the DD. They sent out a bill for the remaining amount (which I'd payed) and £1 for non DD. I refused to pay (the co I worked for routinely wrote that charge off so I assumed (Ha Ha) that NTL would as well.) Next month another bill for £1 + £1 for non-DD again called and asked for it to be written off. Heard nothing else and found out 5 years later that the default was on there.