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    • Oil and gold prices have jumped, while shares have fallen.View the full article
    • 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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Nationwide/MKdp Hoist Portfolio Holding Ltd CCJ Current Account


belgarion22
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Hi

my wife had an account with Nationwide

due to money issues she went overdrawn and with charges the amount went up to over £500.

 

in 2014 unknown to us a company bought the debt from nationwide

and then promptly took it to court,

 

last month the MKDP sold this debt on to Hoist Portfolio Holding Ltd

who as soon as they got the name changed on the ccj promptly sent it to the bailiffs.

 

We are not sure if at the time of the ccj it was statute bared,

I am currently applying to nationwide for all the paper work

but I need to apply to set the judgment aside to stop the bailiffs

 

can anyone help and how would fight the original charges

because I read that someone had recently removed bank charges through the courts.

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I think it now costs £255 for a set aside application, unless you can claim exemption e.g on benefits.

 

You need concrete reasons for a set aside, which at the moment you don't appear to have.

 

What is the history of this Nationwide debt ?

 

When did the debt stop being paid ?

 

Were Nationwide advised of any hardship issues ?

 

When was the CCJ obtained ? Did you get court paperwork ? Have you moved address ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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HPH2 are MKDP

the debts gone nowhere.

 

 

everyone has had these letters

with a CCJ or not.

 

 

so have you ignored to date.

 

 

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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Hi

 

The letter about bailiff is from Milton Keynes county court. She has ignored all to date.

 

As for when the last nationwide charge was we think it was 2007.

 

 

In about 2012 we made them aware of on going financial hardship due to illnesses of my wife

whilst not at work on statutory sick and my sister having a stroke at 40 in the November of 2011.

 

 

This also caused me to lose customers from my business as i run a limited company.

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can you scan it up please

upload

Edited by Andyorch
edit

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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