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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Mistaken identity has ruined my credit report for a 3rd time !!!


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What a horrid situation to find yourself in.

 

I would be keeping a note of every minute spent trying to resolve this as I would want compensation for that.

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Hi CitizenB, I did spot this and the final draft sent does state "Incorrect".

 

It truly is a horrid situation and I wouldnt wish this on anyone , its ok for them to send letters stating "we understand that this has caused blah blah blah", but im sorry they do not understand one little bit.

 

Everytime this happens it turns my life upside down and this one has came at the wrong time, the time i am spending trying to sort this mess out is totally depriving me time with my new 4 week old daughter.

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I check my credit reports quite often and in March this year i started having serious trouble with mistaken identity.

 

This thread is about my Electoral Roll Entry on my Noddle(call credit) Credit Report.

 

At the beginning of March my credit report was clear and all information correct, by the 23rd of March my Electoral Roll Entry had been changed to have a middle initial.

 

I emailed Noddle to find out why without any permission or legal documents being supplied had my Electoral Roll been changed.

 

No reply so i emailed them again.

 

Up until this point they have refused to answer the question.

 

Because some files have been suppressed on my credit report for the time being , my Electoral Roll entry has been changed again to show the correct name.

 

What is going on and WHO is at fault here ???

 

SAR requested from call credit , awaiting response, dont know if that will show me what im looking for.

 

Any help would be appreciated.

 

Thanks

Edited by dx100uk
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Hi CitizenB, I did spot this and the final draft sent does state "Incorrect".

 

It truly is a horrid situation and I wouldnt wish this on anyone , its ok for them to send letters stating "we understand that this has caused blah blah blah", but im sorry they do not understand one little bit.

 

Everytime this happens it turns my life upside down and this one has came at the wrong time, the time i am spending trying to sort this mess out is totally depriving me time with my new 4 week old daughter.

 

:thumb: That is good you spotted the error in time.

 

That was my thinking, a new addition to the family is stressful enough, you dont need these clowns depriving you of time with your new daughter.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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You say they have refused.

 

Have they actually refused or simply not responded?

 

What files have been suppressed and how do you know?

 

Other than those questions, it's probably worth waiting until the sar to see what information you get

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You say they have refused.

 

Have they actually refused or simply not responded?

 

What files have been suppressed and how do you know?

 

Other than those questions, it's probably worth waiting until the sar to see what information you get

 

 

Sorry i maybe should have worded that better, They have simply not responded or acknowledged the question.

 

 

All of the information concerning the accounts which are mistaken identity on my credit report have been supressed, from accounts, linked addresses, all searches carried out have been removed.

 

 

Without detailing a lot more information the original post will become lost i think, the main issue is WHY and WHO has changed my Electoral roll without consent.

 

 

 

However i do have a letter from Noddle telling me that a "disputed entry on my credit file has been supressed" , this more relates to my O2 thread.

 

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?488103-O2-refusing-to-remove-incorrect-data-from-credit-report.

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When is the SAR due?

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  • 4 weeks later...

SAR received in time, letter of complaint sent regarding why they keep changing my electoral roll, this is there response on this matter which i find unbeleivable that this could happen,

 

 

 

“After investigation, we can confirm that we are now making arrangements for your credit report to be amended. You will now appear on the Electoral Roll as xxxxx xxxxx. However, because there are accounts on your report in the name of xxxxx xxxxxx xxxxxx, this may re-appear. If this is the case, you would need to contact the lenders that are supplying the name xxxxxx xxxxx xxxxxx and have them amend their information. This amendment will be completed within 14 days.”

Spoke to ICO regarding this matter and they state only the local authority can change my electoral roll with my say so.

 

 

Sent another complaint to call credit giving them 7 days to come up with a proper answer and if it has been changed by a company , then to give me the companies name so that i can deal with them.

 

 

There 7 days have passed so i will be logging a complaint to the ICO

 

 

Updates to follow.

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