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Topic starter
10/04/2013 12:47 pm
hi there again.lol.can anyone please help with the process of cleaning up your credit file.The problem im having is that the defaults showing on my record are with the original creditor but some have been sold to another recovery firm.so to get them to update your credit file do you contact the original creditor with a copy of your discharge or the company who bought the debt over.any help appreciated and hope ive explained myself properly.confused .com.lol.
Topic starter
10/04/2013 1:20 pm
Can anyone also provide me with an address for max recovery.been told you hey to contact eversheds if so can sone provide a number for them.thanks.
10/04/2013 1:20 pm
Hi golf20.
We're not really experts on credit files, but my understanding is that you'd contact the original lender (that registered the default).
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
10/04/2013 1:21 pm
cheers and thanks once again.
10/04/2013 4:11 pm
Data Controller: MAX RECOVERY INC
Address:
25 BANK STREET
CANARY WHARF
LONDON
E14 5JP
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
Topic starter
10/04/2013 6:55 pm
cheers plastic daft ats a great help.thanks for your help.
11/04/2013 12:20 am
If you look up the ico website (any web search will find it), theres a section on data controllers. Picking the right one is sometimes a struggle but it has all contact info.
Paul
Trust deed completed Jan 2012,Trustee discharge Nov 2012.
A new dawn.
11/04/2013 8:18 pm
Hi GOlf
EVersheds 0845 498 3938
Like you I'm trying to clean up my credit file as 4 companies have not updated after my Trust Deed completed June 2011. One is Eversheds
Recently I sent each 4 companies a copy of form 5 Trust Deed discharge Letter with a letter giving them 28 days to update or I would complain to FSA
Currently Barclaycard are saying it's not their responsibility to update but Eversheds but they say it's Barclaycard! FSA say I should complain to both.
I did get Eversheds phone no its 08454983938
Make sure they give you a reference number
So I now need to wait 4 weeks and check my credit file again.
Ps good credit file agency is annualcreditreport.com who for a one off fee of five quid and 4 quid a month give very useful help
Keep at them Golf 20 and contact FSA on 08000234567 for advice to quote to these companies
Elaine
Elaine
Topic starter
11/04/2013 10:31 pm
cheers paul and elaine for your help.sorry to here your heyin problems getting your file updated elaine.2011 ats a long time to be waiting to get it all sorted so i hope you make progress in four weeks time.ill keep my fingers crossed you do.cheers again youve been very helpful.
11/04/2013 10:36 pm
Hi all.
Incorrect information on a credit file is a data protection issue.
If ex-creditors are reporting incorrect information about you, and they fail to respond to your complaints, the Information Commissioner will be a better port of call than the FSA.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
Topic starter
11/04/2013 10:41 pm
cheers again you save the day once again and elaines day also me thinks.can you point me in the direction of an address for the information commisioner at be most helpful to me and elaine.thanks
11/04/2013 10:45 pm
Here you go!
The Information Commissioner's Office - Scotland
45 Melville Street
Edinburgh
EH3 7HL
Telephone: 0131 244 9001
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
11/04/2013 11:54 pm
Thanks very much I will see what happens in next 4 weeks and will contact commission if I'm still getting nowhere.
Cheers
Elaine
Elaine
