Hello my name is ***** ***** I will help you with this.
Were you making contractual payments or less please?
Is it only the lesser payments not showing please?
Doesnt it show the balance as well on your credit report?
Did you complain to the ICO? What did they say?
Sadly the ICO is correct. If you have been making payments under the usual contractual amount then the lender can show this as a missed payment.
This means although you have been making SOME payments, it is not the contractual sum. On those months you did, it should be reflected.
But the credit report should show the balance so whilst you are not making the full payment, the balance will reduce.
Your only other option is to get a Court order, but for that you would need to show the information held was wrong.
The DPA 98 says:
14Rectification, blocking, erasure and destruction.
(1)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.
Can I clarify anything for you about this today please?
In that case you can apply to Court.
You need to complete form N208:
The court will set down the matter for hearing and decide whether to make the order.
The court can also order they delete, block, rectify information held with the credit reference agencies
Can I clarify anything for you?
if you are on a low income you can get fee remission, this means the court waives the fees.
Does that clairfy?
If this answers your question could I invite you rate my answer 3, 4 or 5 starts before you leave today.
I am only paid for my work on this question if you rate my answer, using the star system at the top of the screen. Please do not forget! Thank you.
Please bookmark my profile if you wish for future help.