Anyone had problems with their credit file ?

[Toyboy]

I wasn't all that pleased, that's for sure. I phoned my bank manager, who was a business associate of mine, and he just laughed. I was taken aback somewhat and all I could say was, "You don't believe me? Do you really think I would invent that?"
"Oh hell no mate, I believe you. They do that all the time."
This bloke helped me out with some great advice which worked a treat, AND I cleared my debt....interest free.
Now, I don't think they use that style anymore, but then, who knows?
I learned a lot in a short space of time, back then.

[Brown Dog]

G'day Brown Dog,

Stick to your guns, so far as I'm concerned, if it was me, until they can prove that it is you and that you owe monies to x then let 'em whistle dixie.

g'day waldo

Thats the thing they cant prove squat...they dont even have my entire name . And according to a document ("dealing with debt collectors")issued by the government I cant be forced to give it...so to them

I just hope they get abusive as in Toyboys saga....it would be another thing to add to the list if i need to make a formal complaint to the ombudsman

cheers
BD

[Waldo]

g'day waldo

Thats the thing they cant prove squat...they dont even have my entire name . And according to a document ("dealing with debt collectors")issued by the government I cant be forced to give it...so to them

I just hope they get abusive as in Toyboys saga....it would be another thing to add to the list if i need to make a formal complaint to the ombudsman

cheers
BD

Exactly, the mob after me don't have my correct birth date, and they aren't getting it. If I've given them anything then I've recorded what the discussion was and when as a paper trail on my part if anything comes to a head. An old boss once instructed me, keep a paper trail of everything in your job bag, so that if anything is ever disputed you can challenge it. Probably the best advise he ever gave me.

[AlexS]

What Waldo said. Also, don't be afraid to use a sledgehammer to crack a walnut. You don't usually have to hit twice to crack the nut, and it stays cracked!

[Brown Dog]

Well that was easy

After sending two polite but firm emails and a faxed copy of those emails (sent the fax because I never recieved a response that the even acknowledged the emails). I get an email today saying

We have recieved the application from our client and advise that the details contained within are not a match to your name or address. All the information is for a PJS, not PBS.

XXXXXXXXXXXXX have confirmed that a data match was conducted which caused the default to be listed against yourself and not PJS

On 19 February 2008, we requested that the default be removed on the basis of an incorrect data match.

All this apparently was achieved without me sending anymore of my details. Which I was emphatically told could not possibly happen, by one of the collection companies snippy customer service operators.

Small win for the little guy

cheers
BD

[Pat]

About time, any mention of compensation for your time to do their job, not to mention the anguish that you felt. Maybe a letter to the Ombudsman/Local Member asking for these jokers to be investigated . . . or just thank Dog that it's over.

[Brown Dog]

thanks Pat ...

I did toy with the idea of sending them an invoice for time spent drafting emails and what not...to see how they like it...but that would just take up more of my time

I just discovered (didnt notice before ) a previous email attached below the email I got today. Apparently sent on the 13th Feb (i never got it because there was a typo in the email address )

this I think was the interesting part of that email. It refers to a letter they sent me accusing me of ignoring correspondence and threatening legal action.

We would first like to apologise for a letter that was sent out accidentally on the 8/02/08, please disregard this letter, and we sincerely hope it has not inconvenienced you.

that was their response after I mentioned I would be williing to submit a formal complaint to the ombudsman if they continued threatening legal action.


cheers

BD

[AlexS]

Good win. On the other hand, you could have just done as they asked and you would probably still have a bad credit rating.

[Waldo]

Great to read that you sorted them out Brown Dog

[Toyboy]

A bit of a story about bad credit ratings.
Many years ago, I was credit manager for a national company. My job was to check a person's credit risk. One day, I had to reject a bloke's credit application (nothing unusual about this), anyway this bloke asked to talk with me about this situation.
Back then, I was not permitted to disclose the reasons for a rejection, however, in this case the bloke was in tears over yet another rejection. He 'confessed' to me that he had been caught stealing a bottle of soft-drink about 8 years prior and said that it didn't go to court. He made restitution at the time. I told him that that was not on his record, and he begged me to tell him what he had done wrong if that wasn't the reason.
It was recorded that he had defaulted, on several occassions in the past. As it turned out, after quite a bit of investigation on my part, he was carrying a poor credit history by mistake. He told me that he had tried for years to get to the bottom of this saga and asked me to help him.
The credit file was not his after all. The poor bugger had almost the same name as a serial defaulter who hadn't lived in Australia for over ten years.
Eventually, it was all sorted out and he went on to buy his truck and his first home. Nobody would disclose to him his credit file or even any hints.
For my part, I was reprimanded by the company and threatened with losing my 'license' to conduct credit checks. D&B, Murray's etc, all wanted to blackball me over my 'indiscretion' at helping out a 'sucker' (my term, not theirs).
I resigned two months later in protest.
These days, one is able to obtain their credit history through the Freedom of Information Act, but it is still not easy to do so, and even more difficult to clear errors.
Sorry if I'm off track, but in short, don't give in to these thugs.

[Waldo]

...I resigned two months later in protest...
Sorry if I'm off track, but in short, don't give in to these thugs.