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Hi Alex, thanks for helping. In my wife's credit file there is a linked address 77 old hall lane, longsight, Manchester, m13 0uj that has a fraudulent Barclays account attached to it under my wife's name. this account is in arrears. From conversations with Experian and a mortgage broker that we where working with last year it appears that there are other outstanding debits registered to this address that are affecting my wife's credit file. If we would like to discuss over the phone my number is ***********
Sadly all communication must be online
Have you filed a notice of disassocatiation yet please?
no I assumed that was only applicable if the debt was yours
You need to file a notice of disassociation
This breaks the link
Then it should not show.
Addresses are not blacklisted, it is only people
So any credit record should just show the credit accounts of you and your wife
So once you file the notice, any link should be broken and any accounts
However if Barclays refuse to remove any adverse data you can make an application to Court.
The Data Protection Act 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.
Therefore an application could be made to block, destroy or delete the incorrect data
You would need to complete form N208
And make an application to Corut.
The Court would then list the matter for a hearing and decide whether to make the Order.
If it does, then any adverse data would be removed
Can I clarify anything for you about this today please?
So do i fill this form in or do i need to hire a solicitor to do this?
You can fill out the form, but write to the bank first and threaten it
Give them 14 days to remove, check the file again and then if not, issue the claim form
Does that help?
Yes this helps, would i be able to pursue damages against the bank as i previously lost out on £3,000 when the purchase of a house fell through because of this?
Yes you may be able to.
But you would need to show that the bank were negligent and knew that it was a false application
You may struggle with that.
But you may get something out of it
Can I help with anything else today, or does this answer your question?
just one last question about the disassociation, i do i contact experian or the bank for this?
But make sure you do it also with Equifax and Call Credit who are other credit reference agencies too
ok thats great thank you for your help.
Happy to help
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