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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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Swinton House insurance (how is this possible)


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This is a little complicated so bare with me. My partner separated from her ex husband, due to the agreements they had he carried on paying the house insurance. A year ago swinton called her saying that the policy was up for renewal at which she stated that her ex husband was no longer with her and would it be possible to transfer the policy over to her name. They stated that it wouldn’t be a problem and did it there and then on the phone and began taking payments for the house insurance.

 

recently swinton called her querying two separate names on the policy (hers AND her ex husband)

when told that this was not possible because they had transferred it over, they stated that in fact that there were two separate duplicate policies taken out and that he was still paying the house insurance on top of hers.

 

How is this even possible when they clearly stated that they were transferring it over into her name?

 

calling them today they insisted that when they supposedly did this it was not their responsibility to check that the policy was still being paid by someone else at which point they blamed my partner stating that she should have had better communication with her former husband which at the minute is rather temperamental and can only be done through the courts!

 

Any have any thoughts on this because right now they are driving me mad!

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Suggest that you put in a written complaint to Swinton Head Office. If they were transfering the policy into another name, can't see how you managed to end up with 2 policies.

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