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  1. The two accounts were set up under the same direct debit in 2016 while I was a customer with Life mobile, plusnet subsequently bought the company and the direct debits went to them. Are Plusnet liable?
  2. I switched mobile provider in December today received a bill from my previous provider PlusNet. After inquiries it turns out a second account was opened with my details two months after I opened the PlusNet account in 2016, and I have been charged at least £6 a month by direct debit for it ever since. There was only ever one direct debit set up for Plusnet, but both payments were taken from it! After going through my emails it does appear I have been receiving two almost identical emails every month, only the number is different - I thought the other email was a reminder, why would I check the bills were for two different numbers? There was never any mention of this second number when I log into my Plusnet account on the website, so I have been completely unaware of it for four years. Plusnet have so far suggested it's my fault, I must have opened two accounts, and offered me an arbitrary £31. their first response was to blame me and offer a paltry compensation to get rid of me. I have not opened two accounts, why would I?, I have not used it, I was never aware of this second account.
  3. I probably received an NTK back in 2016 but literally nothing until now. Has procedure been followed? No I haven't moved house since then I would have noticed anything any other letters.
  4. Yes it's the same address. This came out of the blue.
  5. If I did receive an NTK in 2016 it would have gone straight in the shredder, and I haven't moved since 2016.
  6. 1 23/11/2016 & 11/11/2016 2 Date on the NTK DO not have the NTK 3 Date received 12th December 2019 4 na 5 na 6 Have you appealed? N Have you had a response? na 7 Who is the parking company? Highview Parking Ltd 8. Where exactly It actually says 'NULL' so I don't know For either option, does it say which appeals body they operate under. There are two official bodies, the BPA and the IAS. If you are unsure, please check HERE If you have received any other correspondence, please mention it here copy the windscreen or ANPR section to your thread and answer the questions... …….... in either case scan up bothsides of any letters/tickets in or appeals made out to ONE MULTIPAGE PDF ONLY dcbl.pdf
  7. What a ridiculous response. I would rather this whole thread which includes my personal information was taken down from this website. Are you going to do it as a goodwill gesture or shall I send in a GDPR right to erasure request?
  8. Can anyone verify my complaint please before I send it off to the FOS . My student loan was sold by the Student Loans Company to Erudio in 2014. Erudio sent me a welcome pack, and I also asked for the credit agreements for the loans for my records. I sent my request to Erudio by post with a £1 postal order. I wrote to Erudio six months later, on the 4th November, and again on the 24th November reminding them of my request for the credit agreements. Erudio did not provide the credit agreements until February 2019 this year. My complaint is that since my request for the credit agreements in 2014, Erudio has continued recovery of what was an account in dispute. Erudio defaulted my account, passed my account to a debt collector, and issued a Letter before action, which were in breach of Section 77 of the Consumer Credit Act 1974. Erudio in their final response to my complaints, state they never received a £1 fee and request for the agreements, and therefore are unable to accept they breached Section 77. I did send the request in 2014 and I have in my possession the Post Office receipts for both the letter and the postal order, which I have uploaded along with this complaint.
  9. I refer (again) to my latest post #55. I am unemployed at the moment but I have some savings which I want to use in a full and final settlement. I said I want to pay it off, I didn't say anything about statute barring, PAPs, or CCJs or anything like it. A lot of money is involved and I was hoping for more than glib tinpot advice which is frankly what got me in this mess in the first place.
  10. The statute barred clock starts at the point of cause for action, which is usually when the account defaulted. When does the limitation period start? The start date of the limitation period is whichever of the following happened most recently: The last time you wrote to the creditor acknowledging that you owed the debt The last time you made a payment to the debt The earliest date the creditor could have started court action to recover the debt https://www.stepchange.org/debt-info/can-i-write-off-debt/statute-barred-debt.aspx
  11. I want to get this debt cleared up with as small a full and final settlement as possible. It stands at £9000-odd but a few years ago they offered a final settlement of £6300. To cut a long story short, I asked for the credit agreements in 2014 and they only provided it in 2019 after reminded them of my request in a PAP response. They deny pursuing while the account was in dispute because they 'didn't receive the original request', except I have the Special Delivery signature. What would be the best way to proceed? Thank you in advance.
  12. Why is it better to sit and wait for a PAP form? The outcome I want is to defer and have the arrears removed. The outcome I don't want is a CCJ.
  13. Erudio they refused my deferral in 2014 due to it not being on their DAF, took five years to provide a credit agreement, and have added arrears charges ever since. Do I complain to the FOS, and how much would a solicitor cost for advice?
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