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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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Vanquis to Moorcroft


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Last October my partner had heart surgery,

as a result, income into the house was significantly reduced.

 

 

I contacted Vanquis immediately to explain,

and that I had the basic payment protection option and would like to activate a 6 month break.

 

 

I was told that this was not going to happen as it wasn't me having the surgery and that it didn't effect me. How when the partners wage is the only income - no tax credits, nothing else.

 

as a result I ended up behind with payments.

Been trying to sort freezing interest etc out, but keep hitting a brick wall.

Now they've sent it to Moorcroft, with loads of interest and fees on too.

 

Since Moorcroft contacted me, Ive also had more statements off Vanquis too, so both are chasing, and Vanquis still adding more.

 

Moorcroft have said they'll freeze my account for 30 days until I can get any information I need.

 

can anyone give me advice please on steps.

 

Do I go back straight to Vanquis,

can I reclaim any charges or interest?

 

 

I did ask them to cancel the repayment option when they told me it was useless in October, but they've left it running, costing an extra £50 a month.

 

Thankyou in advance.

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First things first, is to IGNORE moorcr@p, deal ONLY with Vanquis.

 

Reclaim ALL of that payment protection, with interest, send them http://www.consumeractiongroup.co.uk/forum/showthread.php?387436-Letter-for-consideration-regarding-Hardship-or-Financial-Difficulty ensure you obtain ''Proof of posting'' which is free from the PO counter.

 

Don NOT talk to them over the phone regarding this, keep everything in writing ONLY. And ALWAYS obtain 'proof of posting' as a minimum.

 

Any fees and charges? Reclaim all of those too, using the hardship rule.

 

If you haven't got all of the statements, then send them a SAR.

 

Inform Vanquis, that you will ONLY talk to them, and will not entertain their 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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I don't have all the statements no, so I will send them the SAR & £10 today (postal order??). I'm guessing this will be all my statements? I will keep this post updated as and when I receive replies.

 

Thankyou.

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Yes, SAR, and enclose a 'BLANK' £10 postal order, 40 calender days in which to supply you with ALL statements and letters.

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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