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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?
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Chess Ltd and True Telecom


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Around 18 months ago i agreed to a three year Landline and Internet contract with True Telecom,

which i soon regretted ,

 

The internet was weak and the lower prices that i was assured were not to be ( read the small print i suppose ).

 

A few months ago i saw a direct debit set up on my account from Chess Ltd ?.

I looked them up and asked who are you ?

I was told that Chess had taken over the service from True Telecom.

 

I noticed the service prices going up,

yet we hardly use the landline

and had the same weak internet router and service.

 

A couple of weeks ago i got a call from a broker who offered me a deal with one of the big providers for around a third of the cost and much better internet and i agreed.

 

A few days later i received a letter from Chess regarding the switch of service informing me of an early termination fee of over £400 pounds.

 

I contacted Chess telling their representive that i dont have any agreement with Chess

and was told that Chess purchased the account

and i would owe the amount,

 

I was then offered a deal of cheaper service though not as low as the amount on offer through the broker

and a new 18 month contract with Chess which was not on with me.

 

The new provider took over yesterday,

We now have much better broadband and the phone is ok.

 

Do i need to pay Chess at all and if so as much as over £400 pounds and if so can i pay instalments ?.

 

All advice welcome folks.

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http://www.truetelecom.com/ - Read the top of the page...

Then know that Ofcom and the ICO are owed substantial amounts of money.

 

You should be allowed to exit out of your contract accordingly if the company ceases to be.

 

How much did the prices go up by?

 

Did you agree to Chess taking over your services?

 

I doubt they would even stand a chance if this went anywhere.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Theyve sold off their customer base - Yet havent informed anyone that this is happening.

 

My understanding is that you should be allowed to exit a contract early if a company fails / administration etc

 

Do you have the original terms?

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Im doing a search, One set of terms and conditions i dont have is from Chess as they never sent any, their early termination fee is £472

I will post True telecom terms and conditions when i find them.

 

Cancellation

If you wish to end your contract with us, You may do so by giving us at least 10 working days written notice before the end of any contract period, or the agreement end date.

 

The contract started in early February 2016.

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I am looking for the original letter which i saw a few days ago.

 

The brochure ssates that if i cancel early True Telecom can ask for the monthly fee up to the end of the contract be paid.

 

I have not found any paperwork with terms and conditions with my signature attached, and do not recall signing any, i believe it was done over the phone and i signed the direct debit form, it may be on that.

 

I have not found any paperwork with terms and conditions with my signature attached, and do not recall signing any, i believe it was done over the phone and i signed the direct debit form, it may be on that.

 

I dont remember getting a debit mandate form,

i beleive it was set up on the phone,

The new deal was set up on the phone,

So there is probably no signed T&C with True Telecom

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they wont know that you weren't told over the phone that you could cancel for free where you originally took the contract out:madgrin:

and they cant prove otherwise

so pers i'd ignore them.

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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https://www.theregister.co.uk/2017/11/17/ofcom_fines_true_telecom_for_slamming/

 

can't unless its already showing

they cant just create an entry to default you where its never shown as a running account already.

 

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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I have cancelled the Chess direct debit from my account,

the money has been coming out at the end of each month

 

i will wait and find out when Chess will be in touch,

I will pay them by cheque any money due for the part of the month up to the change over,

I will not be paying the so called termination fee.

I will post any information from them as soon as it comes in,

 

Thanks folks.

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it is not the transfer of undertakings that lets you walk away from the contract but the change in the charges.

 

They have to notify you of these and unless the changes are very small then it is not compulsory to accept them

and you can walk away from the rest of the contract.

 

let it run for more than a month and you will have deemed to have accepted them.

 

From what you say it seems as though you have not kept on top of this and you may now have problems

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I have received an email from Chess informing me that the bank has advised them that i have cancelled the direct debit,

with a survey included asking me the reason,

I have not replied,

 

Also an email from the Ombudsman Company saying the time is nearly up that Chess has replied to me and for me to answer Chess.

 

The only correspondence i have had from Chess was several calls left on my answer phone and emails urging me to contact to try and keep me as a customer.

 

No attempt has been made by Chess to resolve the issue of the termination charge that they claim is legally due to them.

 

The charges did go up,

do you mean that after a month of Chess taking over from True telecom and that i allowed Chess to continue, then i have to Chess accepted them as supplier ?.

 

Chess did not inform me of anything other than an email which i did not find until months later in my inbox,

 

the first i heard of them was when looking online at my bank account an invoice from Chess Ltd and i called to find out who they are,

 

I never signed or verbally agreed to anything to Chess. I was not happy with True Telecom service, weak internet and the same with Chess.

 

http://www.truetelecom.com/ - Read the top of the page...

Then know that Ofcom and the ICO are owed substantial amounts of money.

 

You should be allowed to exit out of your contract accordingly if the company ceases to be. How much did the prices go up by?

Did you agree to Chess taking over your services? I doubt they would even stand a chance if this went anywhere.

 

I have looked at the True telecom link you provided and called True Telecom, their claim is that they passed contract rights to Chess who should have got in touch with me, it looks a bit shoddy to me.

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they informed you and they dont have to do anything else.

 

That is why you have to keep on top of things by checking your bills and bank statements every month.

 

You accepted the contract when you paid the increased charges, not when they transferred the undertaking.

If you had got in touch with them inside a month after the new charges started/were announnced then you can walk away without breaking the contract.

 

They may be shoddy but they did the minimum they needed to do, one of the problems with using email and not letters.

 

Chess did not inform me of anything other than an email which i did not find until months later in my inbox, the first i heard of them was when looking online at my bank account an invoice from Chess Ltd and i called to find out who they are, I never signed or verbally agreed to anything to Chess. I was not happy with True Telecom service, weak internet and the same with Chess.
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I have received the latest Chess bill today online, over £58.00 to be debited at end of month ( i cancelled direct debit )

 

Some things i noticed that i never agreed to have.

Care level, Fraud monitor, Line assurance ?, Voicemail, I do not have voicemail.

 

This invoice is for Landline and broadband only,

We do not have any mobile phone or TV service with them.

 

All advice as always welcome.

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