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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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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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.

      Frankly I don't think that is any accident.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Problem with Creation Fiance


orlauk
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i have an outstanding debt with creation finance which has been passed onto pastduecredit solutinons. i completed an income and expenditure form online for them which they dont seem to have received. i have also paid them £30 pounds. i received an e mail from them asking me to ring them to confirm how long i have lived at my address and when did i vacate it. they claim this is for data protection purposes. i have not vacated my current address at all. i sent them 5 e mails confirming that this is my address and i have not vacated this property. today i received an e mail asking me to ring them to confirm this . i am uncomfortable ringing them plus i simply cannot afford to. i have asked in my e mail for them to contact me by e mail or post. just what are these muppets playing at

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Ignore them.

DO NOT call them under any circumstances.

 

If you wish to correspond via email then that is you prerogative and they will have to live with it.

 

How did you pay this £30?

Why did you pay them this? Do you owe it?

Have you ever checked your credit files regarding this?

 

Noddle is free, but isn't always as accurate and up to date.

You can also use the free 30 day trial period on experian, just ensure you cancel well within the 30 day trial period before they begin charging you £14.99 a month for the privilege of checking your own credit file!

 

When did you take out the account with the catalogue?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Ignore DCA's, deal direct with Creation Finance..

 

WHo was the last company to contact you about it?

 

How much?

When did you last pay?

 

Have you got the bank details for creation?

 

Cancel ALL direct debits, ONLY ever pay by standing order, and only ever pay the OC, not

some tin pot powerless DCA.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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