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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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Issue with Orange / EE / Arrow Global Ltd default stopping mortgage


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Hi,

 

Could I ask for some advice on how we should handle the following situation, that has recently cropped up.

 

This problem started we believe way back in 2011,

we went to the car phone warehouse to change a telephone that we had on contract with Orange.

 

 

We were told that since Orange no longer supplied mobile phone services the mobile would be registered with EE the new Orange provider.

We changed the telephone over and the assistant at car phone warehouse confirmed with Orange/EE that the old contract was now cancelled.

 

Then some months later Orange sent us a bill for 3 months connection charges for the old telephone,

we spoke to Orange a few times by telephone

and they finally agreed to sort the account out

and remove the charge since we no longer had that telephone.

 

We then moved address, although both me and my partner still had EE phones so EE had full information of all of the addresses we had occupied.

 

Now in 2017 my partner attempted to get a small item on credit and were shocked to find out that she had some sort of issue on her credit file,

when we look at her credit record on a free credit database service,

 

 

we were shocked to see that Orange had somehow and for some reason registered a debt of £125 against my partner causing issues on getting credit.

we may need to get a small mortgage soon so we were really concerned about this.

 

we have called EE and they quickly passed us over to Orange (although they are supposed to be the same company we thought)

The Orange contact we were given was an email only service.

 

The initial response we got back from them once we had highlighted it was that they could not find anything on their system to do with our account.

Also EE had said they could not see anything in their records pertaining to this debt.

 

We emailed Orange a second time and told them to look harder since it appeared that Clear score had something registered against my partner for, a mobile phone issue.

 

 

after taking her d.o.b etc they looked again and this time they found something but could not be specific about when it occurred?

At first they telephoned my partner and said said the issue occurred in 2011, at an address which we did live at in 2011,

then when she advised them that we did not owe the money since it was from an old mobile that had been transferred by them to EE, and that the debt should have expired anyway since it was 6 years ago.

 

The person at Orange then emailed her to inform her that the issue occurred in 2014 (he had appeared to change his mind?)

but that the address it occurred at was the old address

(we did not reside at this address in 2014).

 

they advised us that they could do nothing about the issue and that we would have to speak to EE customer service,

we again spoke to EE customer service who again told us they could do nothing since it was with Orange Credit team ??

 

We emailed the Orange credit team yet again and they said that the debt had been passed to a DCA, and asked us if we had received any letters from said DCA (Arrow Global Limited).

 

We advised EE that we were extremely disappointed and that we want them to escalate it,

we have heard nothing yet and now we are considering what actions to take moving forward.

 

We have not communicated with the DCA since we have no contract with them and don't want to put ourselves in any situation that means we are in contract with them.

 

 

Could anyone give us some advice on how we could/should proceed with this.

 

Any help would be appreciated.

 

Many Thanks,

John.

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send EE an sar.

get all the info.

 

 

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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