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NickR

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  1. This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. I have read information on this forum regarding the usefulness of the Financial Ombudsman Service and ICO. Neither fill me with optimism and confidence even though I have passed my complaint to them and am waiting for a response. Is it worth taking out a Small Claim against Experian? Can I be compensated for the time, effort and stress they have put me through and how do I decide what is reasonable to claim for? I have not been left with financial debt following this experience but that's only due to the time and effort I have put into contacting all the companies involved and explaining my plight. Nick
  3. Thought I would update the story. Experian confirmed again in an email that their offer of 12 months subscription is a fair and reasonable offer. I have written today to the Financial Ombudsman and been in contact with the ICO. Experian claim that only 2 out of 5 questions were incorrectly answered (according to their records). I still have a current account with Santander. I disputer this and am in the process of obtaining proof that the account was closed down many years ago. My argument is that even if their records show the account as open. If the account is closed, then the answer to the question is still incorrect as I do not have an account, even though their records show that I do. More importantly, I feel Experian should show more concern over the answers that are not being disputed, my date of birth and my wifes date of birth than the one answer they feel they can squirm out of. If Experian had held their hands up to their incompetent security measures in the first place and offered compensation that better matched the issue. Rather than trying to convince me that they have adequate security measures, I wouldn't need to spend half my life dealing with this issue. As always, advice welcome and much appreciated. Nick
  4. I Have been contacted by Experian who have upheld my complaint and sent me their "final response". The email is clearly a standard response with many incorrectly placed characters (?) They explain how their security process is as robust as possible but unfortunately on this occasion it was breached. They only mention one incorrectly answered security question, however I have a recorded telephone conversation admitting there were 3. They have offered me one years free membership which under the circumstances I find both inconsiderate and inadequate. No mention of how they intend to repair my credit file. I would like to pursue more appropriate compensation and action but would appreciate some opinions and advice first. Nick
  5. Almost 2 weeks and still no acknowledgement from Experian. I have contacted the Information Commissioners Office. The Police are dealing with things slowly and thoroughly. I am shocked with Experian's lack of effort to make right their mistake. I feel that I should be compensated for the effort I am having to make in order to stop these fraudulent transactions. I'd also like to publicise the fact that our personal records are not as safe as Credit Agencies would like us to think. Any ideas on a next move ???
  6. I sent a complaint to Experian on 18th Oct by email. (10 Days Ago) I've heard nothing from them, not even an acknowledgement !!! I called the Experian fraud department and they told me all the facts about the application including which 3 security questions were answered incorrectly. The customer service guy was very surprised that the fraudster had been granted full access but could not tell me why. As suggested by BankFodder I recorded the conversation The Fraud dept confirmed that the complaints team had received my complaint and were looking into things. When I asked how long things would take, he said "oh give it a few more days" !! The situation has got worse with products being purchased on credit and apparently intercepted before they were delivered to my address (£1200), also another 2 phone lines and handsets along with a suspicious letter from Lloyds Bank. (I'm not a Lloyds customer) What can I do now to encourage Experian to take the situation seriously. I've had to spend time off work dealing with all this. Thanks again in advance for your advice.
  7. I have spoken with Equifax who have confirmed the many searches that have been carried out by mobile phone companies etc but they themselves were not duped into giving my credit file to anyone. I guess there was no need, seeing as Experian gave the details up so easily.
  8. BankFodder & dx100uk , Thank you for the quick response. I have already spoken with Action Fraud. I have a case number from my local police. I am off to Maplins to buy a telephone call recorder today. Nick
  9. I was contacted on 13th October by Experian who informed me that they suspect an imposter had applied on-line to view my credit file. After a long discussion with their helpdesk I find out that the fraudster answered 2x security questions incorrectly but was still granted access to my full credit file. One of these questions was my DOB - REALLY !!!! I can not believe that full access was granted even though something as fundamental as my DOB was wrong !!! This individual has subsequently gone on to apply for credit and purchase items from many telecom suppliers, some on my account, including EE, Vodafone, Carphone Warehouse and O2. My Vodafone bill is currently over £1500, (Normally £16.00). Yesterday I was told that Apple Online had delivered £1200 worth of goods to my address and it was likely intercepted by the culprit before the delivery man made it to my door!! John Lewis is another store where a Credit card has been applied for in my name !! The effort and time involved in resolving this situation is huge, not to mention the stress and worry whilst the criminal aspect of the situation is dealt with. My credit worthiness will no doubt suffer as a result of this Although I can not hold Experian fully responsible for the actions of this "low life", I do feel they are responsible for giving him easy access to my details. What is the point of having security questions in the first place ????? I have sent an email complaint to Experian but heard nothing yet. I would appreciate any advice you can give regarding how best to deal with my stressful situation. Thanks in advance Nick
  10. NickR

    MBNA Here We Go

    I have just won my case against The Abbey for £4,000 and have decided to have a go at MBNA Credit Card. Please can someone explain to me what interest I can include? I have seen people talking about contractual interest? Whilst preparing my list against the bank, an excel doc calculated the interest at 8% automatically. Is there such a template available for credit cards and is the approach to credit cards different to banks??? Thanks for any help. Nick
  11. I have to send my court bundle off in the next 2 days and have been compiling them for the last week. I have used the bundle suggestion on the site and have found it very useful. I seem to be lacking example cases that The Abbey have settled or lost. Is it ok to use cases from this site that have been succesfull against Abbey and can I use examples from this site where The Abbey have settled in full without going to court?? Any advice will be very helpful as I only have 2 days left. My bundle is currently 176 pages and looking good. My court date is 5th March 10:30am @ Guildford County Court. Nick R
  12. Fingers crossed, I think we could be in the home straight. I'm almost looking forward to going to court!!
  13. Actually, just notliced that my hearing is also on 5th March at Guildford @ 10:30. I have looked at links regarding court bundles and am now starting to get things in order. It's a shame that Abbey are not settling earlier, but I suppose it makes the inevitable outcome all the more satisfying. Good luck with your case and keep me up to date. Nick
  14. I have been trying to get money returned from Abbey since April 06 and finally I have a court hearing due for March 4th and it looks promising (£4000 +) My question is regarding IF. I think it will be worthwhile starting the process with IF Credit Card but I still have an outstanding credit card balance of £3200. If I start the claims process against them are they likely to get really nasty and demand payment in full.??? They are really screwing me into the ground with £50.00 charges each month but I cant afford to clear the balance. Therefore feel stuck in the middle as really I would like to take them to court for the money that has built up over the last 6 years. I opened a parachute account and closed my Abbey account before claiming from them. But am unable to clear my IF credit card before starting proceeding against them. Any advice is very much appreciated Nick
  15. I apologise for asking all the questions without reading the information that is already available. I simply started to panic. I have just seen READ THIS NOW if you have received a court date and it contains most of the information that I need. I shall start preparing the bundles. Is it worth contacting The Abbey at this stage to inform them that I intend to proceed. With the hope of receiving an offer or could this approach jeopardise the hearing or the outcome in anyway? Thanks Nick :-|
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