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    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because therte was still £69 owing, so I paid it and thought it would correct once the CRA's updated their reporting cycle.   However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account 106985089 has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, so I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
    • they have 6mts else it dies. ................. BUT yet again today you've posted on someone else's thread posts now moved here. please keep to your OWN THREAD!! now to date you've not bothered to reply to our questions so we CAN help you.    
    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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Rebanding After Sale of House


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We bought our house and during the process we checked the council tax banding with both the local authority council tax office and the previous owners of the property. They both confirmed the property was banded "D". Subsequently we have recieved a letter from the valuation officer advising us that because the previous owners had altered the property and converted one of the garages into a room and the house has now been sold to us they are able to re evaluate the council tax banding. As a consequence of this the banding has been changed from a "D" to an "E". When we contacted the valuation officer we were told that during the purchase process we should have been made aware that this legislation is in place and that there was a possiblily that the council tax banding could change because the house had been altered.

 

Apparantly both The Estate agent selling the property and our solicitor should both have made us aware of this, but they didn't. We are now in a possition where we are expected to pay a higher council tax and having spoken to our solicitor they have admitted that they did not know the legislation existed.

 

We have researched the local area for properties of a similar size as part of an appeal process that we can take with the valuation officer but we have found that banding they applied to our house is line with other properties.

 

We are very angry and want to know if this has happened to anyone else and if there is any action we can take appart from the appeal process. We feel we have been misled by the previous owners and have not recieved any advise about this legislation from our solicitor or the estate agent. Is this a clear case that we should have known about the legislation ourselves or are we right in thinking that either the pevious owners, solicitor or the estate agent should have informed us about the legislation.

 

Any advise appreciated.

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If you check the banding of any property online it should show that it will be subject to review on change of ownership, they certainly do for any I've looked at. If the vendor extended the property then it will most likely go up a band when it's sold. It's ridiculous for a solicitor doing conveyancing to claim they didn't know this was the case.

 

It's got nothing to do with the vendors or the estate agent. It is up to the buyer to do all necessary checks. In your case you instructed a professional to do that work for you and they came up short.

Edited by hightail
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Here's the site for checking

Council Tax Valuation List

Choose your billing authority and check any address you like. If there is an 'i' for information next to the current band all you need to do is put your cursor over it and the information is there.

 

Anyone doing conveyancing for a living should know about the information held on an official .gov.uk site.

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