Bump as a final plea for any assitance in issuing POC, please!

Hi thanks for the reply, a complaint to the IC is definitely required and I will speak to them for some guidance. My main point of disgust is that all of a sudden they don't acknowledge that they've harrassed me for a statute-barred debt, re-issued a default which is illegal and send me one line referring me back to the original credit provider. In one breath they confirm they purchased it, the evidence is clear that they have processed my data etc. Any assistance in sample POCs would be very much appreciated if there is any out there. Thanks again.

Hi, grateful for any help with particulars of claim and how to quantify claim amount. Overview: Alleged original loan with HFC, defaulted in 1998 No contact in interim until Nov 2008: Informed by TBI (DCA) that they had been assigned rights to the loan, demand for repayment Followed by threat of default Default notice issued (second default for one original debt) Letter from TBI's solicitor (exactly same address as TBI) threatening charging order on my property) Dec 2008 - I sent letter from templates stating that alleged debt was statute barred and also requested a copy of the alleged credit agreement and stating that my data had been processed illegally. Reply received stating that they would pass it back to their client company, TBI! Dec 2010 - I viewed my experian report and found that TBI started processing my data in 2005, issued a default in Nov 2008 that was still on there and had added a linked address. I telephoned them (TBI), referred to my original correspondence and was told that they would remove it immediately and that it was an error. I was also told that I would have to write in for compensation. Within a few days it was gone, although the linked address information remains. I wrote to them with a copy of corespondence giving them 14 days to remove the additional information and requesting an offer of compensation, without wihich I would issue SCC proceedings. Reply agin from TBI's solicitors stating that I am in correct in that they processed my data from 2008 (not 2005?) but that I would I would have to write to the original loan provider and that it was nothing to do with them! Obviously I'm surpised at this response - I've alleged that they've processed my data incorrectly and that they have chased me for a statute barred debt that had already been defaulted once before - how can it not be their fault?? Sorry for rambling - any questions, assistance or guidance on POC and quantifying reasonable claim amount very much appreciated. Thank you in advance.

Ok, generically. An expired and statute-barred debt is re-registered as a default by a different company. They have promised to remove the default and agree that it was incorrect. How do I go about claiming compensation?

Original debt and original default 1998 with HFC. It then appears as though the DCA bought the debt and updated the credit file in 2005, issued a new default (for the original 1998 defaulted debt) in 2007.

Not sure that that the CRA would have known as the name is different from the original and the date supplied by the DCA is incorrect (and therefore not statute barred). Pretty sure it is the DCA to blame, especially as they had opportunity to correct their *mistake* 2 years ago? From what I'm reading, it seems to me as though they do this in full knowledge and get away with it most of the time so view it as a risk worth taking. Disgraceful really.

The DCA - they agreed it shouldn't be on there, no mention of why they didn't take it off when I requested by recorded delivery (Dec 08) under limitation act or why they failed to deliver on the SAR request.

Right, just come off the phone with them and they have agreed that the default shouldn't be on there and said it was an error! They have said that they will remove it this week. I asked about compensation and they said that I would have to write in - has anyone got any sample letters including calculating how much you should request? Thank you!

Update! I wrote to TBI (debt collection agency) at the time of this requesting that they cease action and that they do not issue a default on my credit file. I did no more about it - stupidly. I have just discovered that the debt (sold on them by HFC) does appear on my credit file, it states started 17/01/2005, defaulted 31/07/2007 and updated 23/11/2008 - it appears on my credit file as a default. This is definitely a new default issued against a debt that had already been registered as a default some years previous. Any advice on next steps gratefully received! Especially as my car credit (3 years ago) was declined and I could only get accepted at a rate equal to £40/mth higher, that i have been paying ever since. Thanks in advance of any guidance offered.

Hi, I posted this on the 'defaults' section originally however I have realised that the experts on telecoms are here so hope someone can help/advise? Hi, hope somebody can help.... I had a contract with Orange for home phone and broadband, the benefits of which should have been a wireless internet connection and a second line (VOIP) for free calls - neither of which ever worked. Over several months Orange continuously failed to rectify the service issues and to my mind, did not deliver their side of the contract. Eventually I got fed up and changed providers - Orange are now charging me an "illegal migration fee as I was in contract" - verbatim from the supervisor. I have argued that the fee is not payable as their contract is invalid through not providing the promised service, they are not having any of it and have threatened legal action for non-payment. Am I right in saying that as I dispute the charge they cannot issue a default? Grateful for any advice, even if it is just pay up and move on!

Hi, hope somebody can help.... I had a contract with Orange for home phone and broadband, the benefits of which should have been a wireless internet connection and a second line (VOIP) for free calls - neither of which ever worked. Over several months Orange continuously failed to rectify the service issues and to my mind, did not deliver their side of the contract. Eventually I got fed up and changed providers - Orange are now charging me an "illegal migration" fee as I was in contract. I have argued that the fee is not payable as their contract is invalid through not providing the promised service, they are not having any of it and have threatened legal action for non-payment. Am I right in saying that as I dispute the charge they cannot issue a default? Grateful for any advice, even if it is just pay up and move on!

Thanks yourbank, my claim is from 1998 to 2000, as this is before July 27th 2001 does that mean I'm out of luck unless the court accepts the s32 argument or cobbetts make an offer when/if the stay is lifted?

I've read somewhere that the OFT has now stated that claims can't go back over 6 years - does anybody know if this is this the case? I think I issued in SCC prior to this but am not sure? Thanks in advance - can't believe it's a year since the stay!

Thank you! I'll check my credit file mid-Jan and see if anything's on there from them, fingers crossed there won't be, if there is, I'll be back! Thanks again

Can anyone help me, please! Also, should I be sending another letter (in addition to M and N as detailed above) regarding why they are processing my data and a complaint to OFT? Please, someone!