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    • My emailed letters to P2G have been received and considered by David Jeremia Schnur who is P2G's 'Escalation and Complaints Adviser'. His response is attached. 19Apr24 David Schnur Linked In page.pdf 19Apr24 P2G email to me confirming my emails received.pdf
    • Not prosecuting in the public interest seems to be bandied about on forums frequented by students. I don't think I've ever seen a prosecution not go ahead because of that. You would have to define why it isn't in the public interest to prosecute someone who isn't paying their way and is costing other travellers more. I can't think of a reason. HB
    • we have known for a very very long time that 9/10 the OC never knows IRRWW are chasing debtors nor  in some cases even taking money from them that the OC never ever see!! IDRWW pockets it -  free money - lets all go on a staff holiday. there was an article some years back whereby that quoted some +£4M debtors had paid to IDRWW on UAE debts that when contacted the originating banks knew nothing about....😎  
    • let the ombudsman do their job. you'll win handsdown you dont obv owe OVO p'haps anything at all.  dont worry about Past Due credit or any other DCA ( THEY ARE NOT BAILIFFS!) as for you being added to the debt, thats quite OK, you were a resident adult and equally liable under law. once you start getting things moving via the  ombudsman dont forget to get your credit files cleansed of any negative data & seek compensation for distress etc, again the  ombudsman should sort both out for you. as you are now NOT a customer of OVO, there is very very little they can do to you now.  
    • A question - did you use the supermarket or the restaurant? I see the restrictions are different. Sign.pdf
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Unknown Financial connection


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I have been checking my credit files mainly Noodle and Clearscore but have found out that I have a financial connection on my account to someone I have never heard of on my Clearscore account.

 

I sent in a dispute and realised that this is connected to Equifax. They did not answer my dispute when I informed them that I do not know the individual which is highlighted as connected to me and asked how he is on my account when he does not appear anywhere else. My response to this was a pdf of my credit file showing his name as a financial connection which I was already aware of.

 

Is there anyway I can get this removed as I have never heard of the person on my credit file?

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you ideally need to complain to the financial institution that registered the association..

 

rarely does complaining to the CRA provider get anywhere but blank faces...

credit file guide.pdf

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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try some of the other free providers

some do some don't

 

noddle etc.

 

have you got the Equifax report

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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Because not all companies use all 3 agencies...

Go direct to Equifax and query it or thru Clearscore...

 

It will say who the source of the data is...

 

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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What was their response.

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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Problem is you have to get the person connected to sign and agree a disassociation entry....therefore you have to prove its Clearscores error.

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

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You cant...as said its their error...they must correct it.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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

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Go get a stat report from Equifax... Clearscore only display Equifax's information... It would be doubtful that Clearscore have associated you with another person...

Come back and let us know... I have also had this exact thing happen to a couple of family members. :)

 

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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