Overpayment of wages

"Mike_B" wrote

There's no need. Ask *them* to prove that it is accurate -- as they cannot, they'll need to remove it.

In message , Tim writes

Well done on remembering the nature of the previous discussion, however it went a little bit further than that.

"Mike_B" wrote

Yes, I pointed out to you that: "...either the CC has to prove they are right, or correct the (incorrect) data..." and you simply disputed my statement, without providing any proof.

Do you have any proof now?

get help goto your local citizens advice or your council may run a money matters surgery they are the best for advice and help.

But it does seem that the credit reference agencies are operating in exactly the same way as a protection racket. Subscribe to one of their monitoring services or face the possibility of having your reputation blackened by one of their unscrupulous partners.

In message , Tim writes

And I pointed out to you that the only people they have to prove the debt to is a court. For the credit reference agencies they only have to show where they claim the debt arose, and that it is disputed for it to stay exactly where it is. Besides, since when is it fine for you to simply state something that you believe but then demand that others are put to absolute proof? I do not need to prove it to you and I do not intend to have the same inane exchange with you again.

"Mike_B" wrote

Wrong. You can go to the Financial Ombudsman Service before you even need to consider court.

"Mike_B" wrote

You mean the way that you do?

so...if someone owes my small business money and won't pay up... how do i go about giving them a bad credit rating ? i had a letter from a video rental store once threatening a bad credit rating if i didn;t pay them the 2 they perceived i owed them- could i have legitimately just paid it and then sent them a letter from my business threatening the person who sent me it a bad credit rating if they didn't pay me the 2 back andy

Well I think it is intended for use against individual. If your company were an individual I suppose it could if it was part of the credit reference agency gang.

What is your company turnover.

"Tim" wrote in news: snipped-for-privacy@bt.com:

Experian includes them in the score it assigns to you.

Also, when Experian conducts Reader's Disgest type lotteries, consumers in Northern Ireland and those with Muslim names are excluded, because a woman said she was donating her prize to the IRA.

"Andy C" wrote in news:8FCUi.448136$ snipped-for-privacy@fe3.news.blueyonder.co.uk:

You are very confused, if you think the Courts provide any redress against the activities of Experian.

What do you think the Hurlingham club is for?

I though UK had better laws with this. Your best bet if it is a lot of money is to get a solicitor.

Greg Rozelle

"J" wrote

Do you have any evidence for that? From Experian's website :-

What is an unrecorded enquiry? An unrecorded enquiry is a search that was not made for lending purposes. It cannot affect your credit rating or score when you apply for credit. It is not seen by lenders other than the one that carried out the search. It is included on your credit report so you know the search was made. ... Why have you done a search on me? We will keep a record of you asking for your credit report. This will show the information you gave us on your application. This information is seen only by you and us. It allows you to see when you asked for your report. Lenders cannot see this information when searching your report.

You can check your credit file for free by registering for a free trial of Experian's Credit Expert service. I think there is at least one other credit reference agency offers a similar free trial.

What are their reasons for saying you've been overpaid? The general rule is that if you knew you were overpaid, you have to refund the money but if you thought you were paid the correct amount and spent the money in good faith, you don't have to refund it.

Has anyone successfully sued a credit reference agency for defamation or do they settle out of court to avoid the publicity?

I wonder if

Also, if you do repay them then, assuming they deducted PAYE and NICs, don't forget to ask them to contact HMRC for advice regarding the PAYE and NICs position. (It ain't easy to sort out.)

Would any suit for defamation be primarily against the credit reference agency? Although the CRA would perhaps be named as a joint defendant, I would have thought that the main culprit to be sued would be the party which supplied the defamatory information to the agency.

The agency merely published the information in good faith, relying on the provider's integrity, and would no doubt recover any damages from said provider, and in the case of repeat blunders, decline to accept any further information from them until they cleaned up their act.

"Tim" wrote in news: snipped-for-privacy@bt.com:

Yes, I've seen the code.

Each time enter is pressed, the enquirer is charged, and the number of enquiries increased by one. No exceptions, but enquirers are charged at different rates.

Terrific. Now go to Nottingham and ask anyone if they believe a word Experian - CCN - says.