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    • No I'm not. Even if I was then comments on this forum wouldn't constitute legal advice in the formal sense. Now you've engaged a lawyer directly can I just make couple of final suggestions? Firstly make sure he is fully aware of the facts. And don't mix and match by taking his advice on one aspect while ploughing your own furrow on others.  Let us know how you get on now you have a solicitor acting for you.
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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
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How To Handle Nuisance Calls


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now this relates to nuisance marketing calls from HSBC rather than debt collectors but the principle is the same, after many letters asking them to stop ringing (they'd pretend it was a matter about our account in order to get to marketing something) without success i adopted a very succesful strategy and the conversation went like this (dates and names changed)

 

 

HSBC Hello can i speak to david john smith please

 

r/ yes speaking

 

HSBc introduction rubiish then - before i commence can i just go through

some security questions with you

 

r/ yes of course

 

HSBC what is the month and year of your date of birth

 

r/ my FULL date of birth is 14/10/1955

 

hsbc im sorry that is not what we have on our records can you just

confirm the month and year of your date of birth

 

r/ yes i just told you my date of birth is 14 october 1955!

 

hsbc I', sorry this is not the information we have, you ARE Mr David John

smith

 

r/ yes of course i think i should know my own date of birth don't you?

what date of birth do you have on your records

 

hsbc im sorry i cant tell you that data protection act

 

r/ so what is it you wanted?

 

hsbc Im sorry i cant discuss that as you didnt pass the security check

 

r/ thats a shame you seem so nice- goodbye!

 

 

on the next few calls i continued to change the date of birth and continued with the ploy

 

hey presto 2 weeks later- no calls

 

you could of course just give a different name and say your brother is not at home he's away for 6 weeks on a cruise or travelling the country looking for work

 

whatever......... they certainly cant discuss anything with someone else about your account theyre stuffed!

 

try it- it works

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It's hard not to play these people for fools, however, it seems odd that any one ringing you should ask security questions. I think I would be telling them that I have only their word that they are who they say they are and that I have no intention of giving out information that might jepordise my security and they should know this and can I speak to their supervisor.

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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joint the tps website

 

bye bye calls!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I just tell them the number called is registered with the TPS, not to call again and hang the phone up.

 

If they do call back, I will either play games (like pretending to be deaf) with them if in a bad mood, or in a good mood call back and give a manager an earful.

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the point of my thread was that telling them that you wont talk to them wont work - because their job is to harrass and torment you with incessant calls until you give in

 

however these guys work on bonuses and commissions so all the time you protest they think they are getting to you and will continue he making the calls

 

however if they realise after three or four calls that you are taking this p*ss, and since they cannot reveal what the security information is that they have got ( in case they are not talking to the right person) then it is THEY who will get demoralised because they realise that you are giving better than you are getting

 

just treat then calls as a game with this ploy and i guarantee after two weeks tops they will give up and then write to you only

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tendogs- do that and you'll play right into their hands-- you will not know that you are talking to a real supervisor and since the object of the call is to get you to talk to them and reveal information you would be defeating the object of the excerise- NO CALLS NO UNWRTTEN communication

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