Hello my name is XXXXX XXXXX I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return. There is no need to wait here, you will get an email when I reply.
Have they agreed to write to the Credit Reference Agencies?
Once they do that it will correct the entries on the credit reference agencies.
If they refuse then you can take the following action:
You can issue proceedings under the Data Protection Act
Section 14 states:
If a court is satisfied on the application of a data subject that personal data of which the applicant is the subject are inaccurate, the court may order the data controller to rectify, block, erase or destroy those data and any other personal data in respect of which he is the data controller and which contain an expression of opinion which appears to the court to be based on the inaccurate data.
So if they refuse you can issue proceedings and ask the Court to order an amendment
You need to complete form N1
If the Court is satisfied they can order that the credit reference agencies remove the incorrect data
But the steps are:
1) Ask the company direct
2) if they refuse issue proceedings and ask the Court for an order
3) If they refuse to comply then the Court can order the agencies remove
This will have the effect of wiping that adverse information off, so its as good as new
Can I clarify anything for you about this today please?
Who exactly should i ask them to write to? Credit companies like Experion or the banks that declined me?
It wont be credit reference agencies that declined it will be the banks.
You should just write and ask that they notify the credit reference agencies and rectify the data.
Otherwise you will issue Court proceedings to have it fixed
Does that clarify?
Yes thank you very much for your time
If this answers your question could I invite you leave feedback on my service which I hope has been excellent today, if you need more information or help then please click reply.
Please remember that I am always happy to help if you have future questions, even if I am in Court I can normally respond within a few hours. For future information, please start them with ‘For Alex W’.
Please bookmark my profile if you wish for future help: http://www.justanswer.co.uk/law/expert-alexwatts/