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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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cancelled policy with budget now with debt agency


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My husband took out insurance on his car 5th July 07. The car was scrapped just after new year due to head gasket!

The total policy was taken out by paying £29.21 deposit and subsequent DD of 10 x £13.19 to Amber Credit

January DD was taken from the bank on the 5/2/07. I wrote to Budget on the 11th informing them the vehicle had been scrapped. I also enclosed the Insurance documents and asked for proof of no claims.

Received a rely dated 12th informing that the policy was cancelled and asking me for £49.91 for the period of cover already received!

I replied dated 18/1/07 asking for a detailed statement of payments and the periods these covered as by my bank records I was in advance having just paid a DD on the 5th and cancelling on the 11th and there were only 4 DD left to pay.

Reply received dated 19th again asking for the £49.91.They also informed me that they had passed it to a debt collection agency and that a minimum of £25 charges would be applied!

I wrote back dated 24/1/07 reminding them of my letter dated 18/1/07 that I did not feel that I had made an unfair request, if the request was not met I would send copies of all letters to the Financial Service Ombudsman, I also said in my letter that I had not at any time said I would not pay but I wanted to see proof of the payment of cover I had alledgedly had and not paid for.

I have received a reply dated 27/01/07 which states that my total policy was £164.05 where that figure came from I dont Know (and as I look at all the documents none of them are the same as in Totals). Thay have also informed me that I now owe £74.91.

I have now received a letter 14/02/07 from a debt collection agency for £74.41.

In all my years of driving and paying for Insurance by DD have I had to pay when I have cancelled a policy and I know of no-one who has.

 

I will write to the FSO and include all documents and I will also forward a copy to their complaints department.

Does anyone have any advice or been in this situation?

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