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Tobes

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About Tobes

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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. 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
  3. 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
  4. 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
  5. Tobes

    Direct Debits

    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
  6. 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
  7. Tobes

    Tobes v Egg

    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
  8. Yes pdl As you can see I was around on the forum at the start of the first wave of the bank charges battle but I'm rather out of touch now. I see from your link that we have more consumer powahhhhhh now. I seem to recall I received a 'final response' letter but my computer has exploded since then so I don't know if I have my correspondence. Does anyone know if they can decide to accept a debit card debit if there is no money and no agreed overdraft faculty? I'm pretty sure any direct debit would be refused (so they can make money) but as there are no charges for a decline
  9. Not my main current account, I gave the debit card details to a company for a timed repayment (you may guess the type of company) I had no arranged overdraft, was in credit. The third-party company clearly repeatedly tried to take payments from the account but there were insufficient funds to do so. Then suddenly for some reason the bank decided to allow a debit for the repayment of a couple of hundred pounds, making the account overdrawn. This was a couple of years ago, and since then the bank had applied a default marker and has increased the debt via charge
  10. Yeah I assumed something like that I think it's unfair of them because it wasn't a debt issue per se: I notified them first to say they were in breach of contract. I didn't owe money it's all the subsequent bills they thought I should still be paying. On top of that though I had one 'account' where I dealt with multiple phone sub-accounts and though my termination reason covered them all they have applied multiple defaults. They've certainly vexed me haha
  11. As in write a letter to her at L? And demand that all the accounts be closed? Should I ask for the defaults to be removed in the same letter for the same reason do you think? Thanks
  12. Happy New Year To Me!! Slightly misleading as no court time needed - I had multiple mobile accounts which I stopped paying after informing them due to bad customer service & failure to provide everything promised under contract or implied contract. This they didn't like and each contract was apparently sent to a DCA etc - about £1000 in total maybe. I had got into the habit of ignoring because I'm stubborn and righteous haha but couple years later just before Christmas I was surprised to receive court papers for one of the accounts from infamous (on here) soli
  13. Hi, thanks for your response. I'm not sure you get my possibly poorly explained gist. I am saying that instead of putting a date of default on my credit file as soon as default happened, i.e. after the sixth month of arrears, which is the time agreed by the ICO's guidance at the top of this forum, they just kept inserting 6 markers each month. This means that effectively this adverse record is going to have been on my file for longer than six years, because it will be all of those 6 markers, and then the six years of default. Also, the record now only shows a default 'D' marker, no prior
  14. Hi, I have an account, 'defaulted', that was sold to a DCA. They replaced the credit file entry to just their details, and put a default marker in, nothing else - there is no monthly data anymore, just a 'D' on one month. So my first issue is that the data is not complete, not showing everything, so not a true representation, inaccurate. Secondly, I recall that when it was the credit card, the company had updated the monthly markers from 0 to 1 to 2 ... all the way to 6, and then continued each month with 6. So it was basically 0,0,0,0,1,2,3,4,5,6,6,6,6,6,6,6,6,6,6,6,6,6,6,6,6.
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