Zopa have a legal obligation to ensure that the information they are reporting is correct. Hopefully the steps you have already taken will be enough to fix it.

Did the ICO give you a timescale?

I had only reported capital one to ICO but they said that i should 28 days for capital one but they had already made final decision over phone

Did Capital One treat this as a complaint ibmstyle?

If they did, you should have received a "final response" from them in writing.

Yes i made a complaint.now the bankruptcy record has disappeared as 6 years completed on 28th august and vanquis and lloyds tsb defaults disappeared. Only lowell, capital one,bank of scotland and zopa default still there.lowell and bank of scotland and capital one are showing partially settled and £0 balance default which is good but zopa is the only problem which shows current default of £667 and not partially settled.i contacted them and sent a copy of discharge certificate and also sent them extract from insolvency register but they said below.my credit score has gone up to 588 but still its poor and after default notices disappear may go up to 800 something.shall i apply for mortgage or wait till default notices disapppeat

Thank you for your email.

Upon review of your documents I noted that the Trust Deed was registered as protected on the 04/12/2013 which would be the official date of its commencement.

The default on your loan is set to expire on 25/09/2019 as that would be 6 years from the date of default being 25/09/2013.

Should you require any further assistance please let us know.

Kind regards

Courtenay Snalam
Collections team
0203 770 5960

I am in a terrible situation please advise what should i do.all defaults had fallen off my credit file including lloyds bank and only bank of scotland and capital one which are going to fall on 10th october but today i noticed lloyds bank default appeared again with a new default date of january 2014 while it was removed on 28th august which was the date of my trust deed

Hi ibmstyle,

Are you going to go back to Lloyds with a complaint?

Hi i never found anything so difficult than fixing your credit file
Why are there 3 different credit reference agency and everyone holding different information about you.Fixed my experian file and its now good score with 898 out of 999 and i had complained to lloyds tsb who removed the default from both experian and equifax and equifax score was fair 396 out of 600 but now lloyds tsb has added again the default in equifax file and showing same date of january 2014 which is terrible after agreeing and removing now again.also the transunion file is showing a new thing TTI finance as default which i was told is a debt collector and may be one of my agents sold my debt to them but how can it be done after trust deed as the dates are later
Dont know what should i do but i dont want to apply for mortgage till am satisfied that all is now clear
Does any one know of those lenders who only use experian?

It can be a real pain for some people to get this done ibmstyle. It's certainly confusing with different lenders reporting to certain credit reference agencies (and perhaps not to others).

All you can really do with Lloyds is make a complaint. I'd also be asking for compensation for the broken agreement, hassle, and worry.

TTI SPC is a debt purchaser. Their name has popped up on here for years. They seem to purchase a lot of debt connected to personal insolvencies. The Information Commissioner register records their contact address as being:

PO BOX 31890
DMS HOUSE
20 GENESIS CLOSE
GRAND CAYMAN
KY1 1208

Even though they're offshore, they're required to follow data protection law in the UK when this is where they're operating. You have the same rights to complain and escalate to the Information Commissioner as necessary.

I don't know which mortgage lenders use which credit reference agencies. I do know that mortgage brokers tend to know this detail about the mortgage lenders they place a lot of business with.

Hi thanks for the advice.i contacted lloyds who said its an error on their part and will update credit reference agencies.they also compensated me £150 for the inconvenience.now the TTI spc is only on call credit i think.do i need to contact them first and ask to update information because the information commissioner asks if i have first complained to the company and whats their response which they did in case of capital one

Hi ibmstyle,

I'm really pleased that Lloyds has decided to offer you £150 compensation here. That seems fair enough when they're reporting inaccurately to the credit reference agencies to your detriment.

It seems reasonable to give a company an opportunity to put an error right before escalating a complaint. I don't know for sure whether the Information Commissioners Office requires this to happen before considering a complaint though.

Hi ibmstyle,

It's good to see Lloyds have apologised and offered you £150 compensation.

as TDA has suggested give TTI a chance to update the credit file and if they don't then consider a complaint to the ICO.

Hopefully you get it all sorted soon and you can move on to applying for a mortgage.

Yes thanks and will write to TTI SPC as i dont think there is any email or phone contact fort them??

Hi ibmstyle,

I wasn't easily able to find a telephone or email contact point for them.

Got the following info on TTI-SPC.com.,is that correct.shall i sent letter on below address

Contact
TTI SPC
info@tti-spc.com
PO Box 67732
London
W6 6FT

Or

PO BOX 31890
DMS HOUSE
20 GENESIS CLOSE
GRAND CAYMAN
KY1 1208

I'd be tempted to use the email address ibmstyle.

Hopefully the quickest way to get this looked at.