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About Vagabond_UK

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  1. Who is responsible in the following: Person falls behind in payments to Creditor A... creditor A eventually defaults account and sells account to DCA. DCA changes name on default, but subsequent enquiry reveals DCA cannot produce default notice, but refuse to remove as they are not the original creditor and request should be made to Creditor A. But if DCA have bought the debt, surely they also buy the default given they have changed the creditor name on the entry, and it is they who should remove? Maybe I'm wrong...
  2. No, it's an old Aqua card... she took it out circa April 2013, got into trouble with it after losing her job and sorted a payment agreement. When New Day took Aqua over from SAV/Halifax, they stopped taking the agreed payments under the arrangement and defaulted the account. They then sold it to Idem a few months later. Sister says the credit report showed AP when with Aqua, then showed as defaulted in February this year by NewDay. Default disappeared from April's Noddle report, but reappeared in May under the Idem banner.
  3. Cheers dx100uk... Original default was issued by New Day, not Aqua/Sav Credit/Halifax. Sister says the default disappeared for a month from her Noddle report before reappearing under the Idem name. Credit file only shows default from May this year with no prior history, but sister says original New Day default was dated from February then disappeared in April.
  4. Hi all, Trying to sort something out for my sister who has got into some bother with Idem. She originally had a debt with Aqua and despite sorting out a payment agreement with them after racking up some arrears, Aqua defaulted the debt when they were taken over by New Day Credit. At this point, repayments stopped being taken for several months despite my sister's attempts to sort things out with the new company. New Day subsequently sold on the debt to Idem Servicing who have been chasing my sister via Moorcroft to collect the outstanding amount. My siste
  5. This has been resolved. It took a very helpful young lady instore over 90 minutes, but she got it fixed and didn't give up on the case until it was done... even though she could just have referred me to customer relations herself.
  6. Manan Vora, Vodafone Customer Relations doesn't seem to be too interested in dealing with it. If Lee wants to help, he can look up the email I sent to the Exec team with reference #9267610; it's pretty much a copy of what is above.
  7. Last year, having endured poor signal for some time and then receiving a clearly misleading marketing email in September 2014 that Vodafone subsequently refused to honour, I registered my intention to cancel my Vodafone contract. It was due to expire on January 25. Having subsequently received a call from the retentions team later in September, I agreed to a new contract on provision that I received an early upgrade of my handset and a reduced tariff. And so all was well again with better signal, and an early upgrade. However, on Sunday January 25 2015 at noon, my phone cease
  8. Can't remember, wasn't many.. 2, maybe 3. We never received any form, we made all claims online. My wife phoned them once she had been given her contract to let them know, and it was followed up by letter.
  9. Thanks, Any additional advice to offer before I put this into a letter?
  10. The letter... All advice on how to tackle Advantis is welcome; I'm versed with dealing with DCAs when its consumer credit, but not so sure with this one.
  11. Actually, yes I do.. I have a letter from Advantis stating that exactly. I haven't paid them anything yet, while I wait on proof of debt from HMRC. I shall scan the letter and post it later this morning.
  12. Hi, Advantis Credit have been chasing me for a tax credit overpayment that I seemingly received back in 2012. We used to get tax credit, but when my wife started working in April of that year we informed the tax credits office of the change and we were no longer eligible to receive tax credits as collectively we earned too much. The payments stopped soon after, and we never reapplied for the new year in June. I thought no more of it until I started getting these letters from Advantis chasing the overpayment. I've written to HMRC asking for proof of ove
  13. No, what I mean is this... FSCS are responsible for handling claims against Welcome Finance for any agreement struck since 2005, which I know; for pre-2005 agreements, claims were to be made directly to Welcome/Cattles for investigation. However, I'm sure I read somewhere that Welcome were no longer going to investigate claims relating to agreements made before a certain time. I'm trying to confirm whether that is correct, and if so, what that time is.
  14. I know that another body is handling PPI reclaims against Welcome Finance for agreements post-2005, but are Welcome still handling pre-2005 claims? I'm sure I read somewhere that Welcome were no longer investigating claims on agreements made prior to a certain year, but I can't remember or find out the year in question. I've just found some information from an old car purchase (1998) and 2 personal loans (1999, 2000) that would suggest I would have a claim against them, but given the dates I suspect I may be onto plums trying to raise a claim now.
  15. Now seemingly the insurance provider has questioned whether the broker who sold the insurance was acting as an agent of the finance company and the claim is being disputed again... ffs!
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