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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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Lowell and credit history info halifax bank account


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Hi all,

 

Some years ago I had Halifax bank account wih big overdraft limit.

Due to financial difficulties I had to use it all and couldn`t pay it back.

 

 

Now I`m back on track and willing to clear that debt.

Lowell has been sending me letters to pay it off,

even when I moved - they tracked me down via credit referencing agency.

 

I phoned Halifax,

but they said I need to contact Lowell as debt has been sold.

But I don`t want to pay any money to parasites like Lowell,

I`d rather pay back the bank I took money from.

 

1. Can Lowell run searches on my credit file without my consent?

 

2. Can bank refuse to accept my money?

 

3. Can Lowell report to my credit file every month this debt as per screenshots below?

If they carry on, 6 years never going to past and it won`t dissapear of my file.

 

Any advice?

Thank you.

 

I have got all three credit files - Callcredit, Equifax and Experian. These are screenshots regarding Halifax and Lowell.

 

Halifax1_equ.jpg

Lowell1_CC.jpg

Lowell1_equ.jpg

Lowell1_exp.jpg

Lowell2_exp.jpg

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doesn't matter what they put

makes no odds

the debt is defaulted

it will vanish from your file on the defaults 6th birthday.

doesn't mean its not owed still mind

 

 

paying it wont improve your credit score

 

 

id be sending an sar to Halifax

get all the statements

and lets see whats reclaimable

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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There are few detauls now across all three credit agencies as per screenshots above. Which defauls will vanish?

 

Halifax June 2014

Lowell April 2016, September 2015/2016

Lowell June 2014

 

What do you mean what is reclaimable?

 

Will prepare SAR today and post it on Tuesday.

 

Thank you.

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forget the calendar markers

they have no bearing at all

the defaulted date in the summary

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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Share on other sites

which are the same date

and will not be harming you more than 1 default

a debt can only be defaulted once.

 

 

there is nothing wrong

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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Share on other sites

Where should I post my SAR?

 

Two different addresses:

 

https://ico.org.uk/ESDWebPages/Entry/Z7828948

 

https://www.halifax.co.uk/securityandprivacy/privacy/

 

SAR template contains this:

[now go read post 3 of the sar thread on what info to put to ENSURE you get ALL the info you need - dx]

 

I checked post 3 on SAR thread, but there is no info on this?

 

Because I have moved since then, I will add copy of council tax bill. Should I also add copy of passport? Might save time if they ask for copy of ID.

Edited by Depo
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Click sar

 

Address is in this forums sticky?

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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DSAR

PO Box 791

Leeds

LS1 9LR

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... 

Link to post
Share on other sites

NOA can come from either

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... 

Link to post
Share on other sites

  • 2 months later...

that's good

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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Share on other sites

so since april have you not been reading up upon how to reclaim unlawful penalty charges that might be inflating the balance.

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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Share on other sites

you could said that back at post 2.

 

 

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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Share on other sites

the debt is defaulted

it will vanish from your file on the defaults 6th birthday.

doesn't mean its not owed still mind

 

paying it wont improve your credit score

 

 

At all?

 

What incentive then there is to pay the debt?

 

Halifax default will go, but Lowell keep reporting to credit agency every month as still owed.

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read my post again..

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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