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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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Coyle White Devine - UAE debt not mine!


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Hi,

 

I've joined this form after searching for advice on a solictors called Coyle White Devine.

I'm hoping some can help and advise me?

 

Letter recently received from Coyle White Devine relating to indebtedness to Dubai First to the tune of approx £200k GBP.

 

The letter was sent to my home address, but addressed to a diferent person.

Same first and last name, but a different middle name.

The letter also had an incorrect email address i.e. not mine.

 

Atttached to the letter,

is an initial letter written to a person with the same name as me,

but to a completelty different address.

 

I emailed CWD and I got a response that said (I paraphrase),

they get lots of denials and why should I be different as the details supplied to them by their client gave them my name and address.

 

They are refusing to act upon my wishes to correct this error and have asked for a scanned copy of my passport to confirm who I am.

 

 

I do not want to do this for fear of identity fraud,

which probably what is happening now,

as I've never been to the UAE or middle East.

 

I have spoken to the Solicitors Regulations Authority and they said they could look at the compliant,

but advised I seek legal advice from a solicitor due to the 48 hour statutory demand detailed in the letter from CWD.

 

Any advice on hw to deal with this?

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Have a read of other similar threads. Advice would still be the same.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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even if you did owe the money

there is stuff and all they can do to you.

read the letters properly

doesn't say WILL anything.

 

 

shame you responded to a phishing attempt to scare someone into opening their pockets.

 

 

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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Agree, but given how annoying these things can be, probably best to nip it in the bud.

 

Write back to CWD by letter posted recorded delivery advising that you are not the person they are seeking, as you have never been to UAE or Dubai and have never had any financial relationship with the client they are representing.

 

Advise them that a complaint has been registered with the SRA and you expect compensation for the hassle caused by their mistake.

We could do with some help from you.

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If you want advice on your thread please PM me a link to your thread

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Thanks everyone.

 

Thanks very much. Just looked in more detail at previous threads. Have spoken direct with solicitor dealing with the issue. Explained I am not willing to offer scanned copies of my passport etc and that I am in process of registering my complaint to the SRA and I will confirm that in writing to him.

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SRA do only deal with solictors complaints against one you have used or are using strange they state different to you

 

none of the so called solicitor etc regulators investigate complaints against claimants solicitors

 

if it were different then all the years i have tried to complain against a solicitors for major bank would of been dealt with.

:mad2::-x:jaw::sad:
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I spoke to the SRA this afternoon and the lady said they were the body to deal with this type of matter.

Will double check.

So who would you recommend I complain to?

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no-one

ignore them all

 

 

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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