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Mrs E Blackadder

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Everything posted by Mrs E Blackadder

  1. Have Turnbull really given up on consumer credit litigation? I had several letters from them to my new address, attempting to contact my ex. They eventually accepted that he does not live at my address and have even put it in writing that they accept this. I assume they returned all paperwork to HFO (who have now used another debt collector who is trying to contact my ex at my new address!), but Turnbull were certainly still trying to make contact with my ex about 3 months ago regarding his debts.
  2. I part exchanged my old car in February of this year. It was my responsibility to send off part of the V5 to the DVLA, and they sent me an acknowledgement slip saying that they had updated my records and I was now no longer the keeper of the old car. From memory it was something like section 9 of the V5 and it had to be signed by both myself and the dealership. The dealership I bought from made a point of making sure the section was signed and informing me that it was my responsibility to return it to the DVLA. I can only suggest that you check to see whether or not you completed and returned the correct part of the form. If you did, then contact the DVLA to find out what has happened.
  3. Perhaps there is a Post Man Pat figure that just keeps going round in a circle - his best mate is probably the gnome! I had a quick check of the address and it does actually exist ) No idea if the person really lives there, but they must be well hacked off by now that Post Man Pat hasn't been delivered.
  4. I had an email claiming to be from Paypal with details of a Postman Pat figure that someone in Suffolk had, apparently, bought from me for £347! It even gave a name and address in Suffolk where I should post the item to. Needless to say, I passed it on to Paypal who confirmed that it was a phishing email. I have never looked on Google maps to see if the address I was supposed to send the mysterious Postman Pat figure to actually exists; would be funny if it did!
  5. Horsen... 'The Laughing Gnome' has to be one of the best songs ever!!!
  6. Hi Sillygirl. I Hadn't thought about Trading Standards, and I didn't even know there was a Solicitors Regulatory Authority! I suspect that TB would get round it all by saying that as the letter was addressed to a Mr Blackadder then I shouldn't have opened it because it wasn't addressed to me. You and I both know that simply sending a letter back to these kinds of people marked as 'not known at this address' simply means that they consider you are lying through your teeth and they send even more letters. However, you can't send a reply to them without opening the letter - they know they've got you every which way!! I have spoken to the postman in the past and he has been happy to return things with an official sticker on them saying that they couldn't deliver as the person is not at that address. However, I think that after 6 years or so of battling all of this, I am now of the mind that if it is all put in writing to these people they cannot say that they haven't been told and hopefully the information will eventually filter its way down through the records of all these clowns and they will stop using me to try to get to Mr B. Thanks for your advice though - really helpful as I had only thought of ICO if TB don't do what they should.
  7. Thanks CitizenB, I will certainly report to the ICO if they do not amend their records. I feel it is necessary to write to TB as it definitely confirms the situation and they then can't say that they haven't been told. I'm not 100% sure how they got my address to link it to Mr B. There are no accounts/mortgages/credit cards etc that would still show in joint names and the ones that have been closed but still show on credit reports are nearing the 6 years and still have the old address on. My credit report shows a link to Mr B, but no addresses are shown, and my report doesn't show any searches that have been made by anyone other than my car insurance company! It's a really tiresome situation and it just leaves you feeling like you are endlessly dealing with something that you didn't start yet are left trying to finish. Hardup - if you read the post you will see that I did, indeed, answer their question honestly and as I am a female and not the male they were writing to it would have been quite apparent that I was not the person they wanted.
  8. My Boomerang Won't Come Back. Charlie Drake. My all time favourite though is Baby Sitting Boogie by Buzz Clifford, because the baby gurgling always made me laugh. Came out a couple of years before I was born, but our next door neighbours had a copy and used to play it quite a lot!
  9. Just when I thought life had become quieter and the stress had diminished, I now have that awful feeling of 'oh no, here we go again'! After all the hassle of separation, debt, selling my house etc, etc, I have today received a letter addressed to the ex (aka Mr Blackadder) at MY new address. It is from Turnbull Rutherford, from here on in know as TB. I opened the letter as I have no forwarding address for Mr B, and to be quite honest even if I did have one, I am NOT a postal forwarding service. The letter was as follows: 12 January 2014 Mr E Blackadder Your ex wife's address Her new life without you A town probably nowhere near you. Ref: 12345 Dear Mr Blackadder Re Mr E Blackadder Blackadder Mansion Blackadderville Blackaddershire We are attempting to contact the above named person regarding a personal matter and we have been provided your address as a possible address for our subject/customer. If you are the person named above, please contact our office on telephone 0208 899 6010 quoting the ref number provided above. If however you are not the person named above, please accept out apologies for this contact. If you are able to supply us with information on where our subject may now reside, we would welcome contact from you so that we may update our records appropriately. Yours creepingly TB (as found in cows) solicitors. Needless to say, I was absolutely steaming that they should be using my address in an attempt to contact Mr B. I don't usually ring anyone, but on this occasion I did and vented my fury on the poor soul who answered the phone! I made it quite clear that the address they are using is not for Mr B and demanded that they remove it from their records. I also insisted that they notify me in writing that this has been done. I managed to get out of them that the 'client' who had passed my address to them was HFO, and I have said that I expect them also to be notified that they have incorrect information. Credit to the man on the phone, he was very polite in view of my extreme anger, and he even gave me his name when I asked for it. He has promised that I will receive a letter from them next week confirming that they will not use my address to contact Mr B - I have said that if they do write to him again at my address then I will take legal action against them for harassment. However, I am now wondering whether or not to write to them, basically confirming what I said by phone. I thought something along these lines: Dear whoever, Further to my phone conversation this afternoon with Mr Whatever at your offices, I attach a letter that was posted to my address, and I am now writing to confirm the following information: The address you have used to attempt to contact Mr E Blackadder is incorrect. He DOES NOT and NEVER WILL live at this address. This is MY new address and it is not linked to him in anyway. I do not have any details for the current whereabouts of Mr E Blackadder. Under the circumstances, I expect you to remove my address from your records and not to connect it to Mr E Blackadder in anyway. I also expect you to inform your clients (who I believe to be a company called HFO) that they have provided you with incorrect information regarding Mr E Blackaddder by providing you with the wrong address, and I expect them to remove ALL incorrect information from their records. Any further correspondence sent to Mr E Blackadder at my address either by yourselves or on behalf of any of your 'clients', shall be considered as harassment towards myself and my family and I will not hesitate to take the matter further. Mr Whatever confirmed that a letter would be sent to me confirming the above information, and I look forward to receiving that within the next few days. Yours Mrs Blackadder. Any comments or suggestions for improvement to the letter are gratefully received, especially if you have been in the same or a similar situation.
  10. Well, have just checked my new, up to date credit report and this account it is still showing on there and also still showing as an open account even though I have a letter from them as well as the SAR to prove that they closed it years ago. They have had an extra month to remove it, and this just proves that despite everything satans have put in writing, they most definitely have NOT updated my credit report and removed the offending information. Any news on the letter Brig? I do appreciate that you are busy but I really do feel that it is time they got the news that they have failed to do what they promised. Also, despite the strong desire to send back their cheque for compensation (£250) and telling them where to stick it, I am going to have to cash it - youngest son got excellent A levels and has been accepted at first choice of uni Unfortunately I need the money to pay deposit for accommodation lol. However, I am hoping that this will not affect the fact that Satans have failed to deliver. Hope you're having a good summer. I am now going to have to buy red light bulb and sell body in desperate attempt to help youngest son with cost of uni... Mrs B x
  11. Hi Brig, thanks for your help. Hope you don't think I was being rude in not replying to your last post, but unfortunately my computer blew up - quite literally. Sparks flew out of it and it wouldn't work!! Got that sorted (was the power supply) and for the first time ever it got a virus, which shut down the whole machine (was some stupid message claiming to be from the Metropolitan police saying that we had breached all sorts of copyright things and if we just entered some bank details then they would take £100 and unlock the computer. Yeah, right, like we were going to believe that one! We're also not in the Metropolitan police area ) Apparently the virus has been doing the circuit for years but I'd never heard of it. Like I say, it just locked the whole machine so I couldn't get on here. Anyway, thank you again. I do appreciate that you are very busy, so am grateful for your help
  12. Many thanks, Brig. If there is anything that you need clarification with then please let me know. Mrs B.
  13. Thank you Brig, that will be great. Don't know what you are in court for (no, I'm not being nosey and do not expect you to tell me), but if it's something to do with yourself then I wish you the best of luck. If you are helping someone else then I wish both you and them the best of luck.
  14. Hi Brig, many thanks for your reply. Could I beg another favour from you with regard to the letter? You say make it more forceful, but I'm not sure how to put it together - sheer frustration and anger at satans means that I just can't seem to put exactly what I want together. Could you possibly help me to adapt the letter above? Perhaps rather than just addressing it to the CEO, I should send it to the named person dealing with the complaint and cc it to the CEO along with a brief covering letter. That way both parties are left in no doubt that things aren't being dealt with. There are also so many other points that they have failed to address, such as no letters of intention to default sent at any point; putting two accounts together to make one large debt rather than having two smaller debts; taking them 9 months to actually provide a proper SAR, although they did send me some paper work after about 4 months when I complained about them not responding to my original SAR request. The list goes on but I'm really not sure how to tackle it all because I am not fully aware of how banks are supposed to deal with defaulted accounts so, to be honest, I am prepared to stick to the current point of them not removing the incorrect information from my credit report because once that has been done permanently I will feel much better. Regarding your point about satan's final admission of the debt's status, it is frustrating that they will not actually put it in writing to me that the debt is statute barred, only that they acknowledge that I have told them that it is. However, I have now received a letter from wescot in which they state that "our clients have now confirmed that the debt is statute barred and we have updated our records accordingly. You should not hear from wescot again regarding this matter". Thank you wescot for saying that satans give the confirmation of the statute barred status!! I also want to get back the bank charges on this account, but even with that there is a problem because they combined 2 accounts to make the final amount. There is no paperwork in the SAR relating to this, such as letters, only a mention that a £750 debit was transferred into the defaulted account about 4 years after it defaulted and the amount came from a flexiplan-plus account. As I had no idea the defaulted account even existed I haven't got a flamin' clue what the flexiplan-plus account was all about. Consequently, I don't really know where to begin with that one as there don't appear to be any records relating to how the £750 debit is made up, let alone why they would amalgamate it with an already overdrawn account, add on interest and make one huge debt. Anyway, that is by the by for the moment as I really want to deal with them doing what they claim they have actually done even though they haven't. Do excuse me if I seem somewhat . That is because I am! Thanks again for your time Brig. Really don't think I would have got to this stage without your help. Mrs B.
  15. Hope you're about Brig, need you to cast an eye over my latest gospel to satans! (However, on a positive note, I have had it in writing from wescot that satans have confirmed to them that the debt is SB, so they confirm that they will not be contacting me again about it. That's fine by me.) The problem I have now is that despite satans saying that they have removed the information from my credit report once again (see letter in post #151) they have done nothing of the sort. I have run up the following letter as my frustration meter is now on the dangerously high red bit!! Dear satans bank ref 123abc I refer to yourletter dated 21 June 2013, in which you apologise for not handling my enquiryappropriately, thus making the situation ‘unnecessarily protracted’ and ‘causingme such inconvenience’. However, on checkingmy up to date credit file today, it would appear that Santander are intent oncontinuing to make the situation unnecessarily protracted and thus continuingto cause me inconvenience and stress. Iam referring to the fact that, despite everything you have said in your letter,absolutely nothing has been removed from my credit report, and infact it isshowing as having been updated yet again with the wrong information. In your letter you claim to have been informed bythe relevant area of your business that my credit file has been amended,obviously this is not the case. I attach a copy of the relevant part of mycredit report so that you can see for yourself. I truly cannot put into wordsjust how appalled, angry and totally frustrated I am by Santander’s inability to do what they saythey have done. I should like to remindyou that this default has expired and should not be showing at all, let alone as an open account. Your explanation that it was not removedcorrectly the first time due to an 'administrative error' is evasive at best and it also goes nowheretowards providing an explanation into how the account has been changed from aclosed account to an open one, which I consider to be a very seriousmanipulation of my credit data. As it would appearthat you are not going to amend my credit file by completely removing theincorrect information I now feel that Santander have proved themselves to beinept, are deliberately continuing to manipulate my credit file despitewhat you have said in your letter, and you leave me no option but to take thematter to the relevant authorities. I amsure you feel that your offer of £240 compensation is enough to attempt to stopme from doing this, but you have consistently failed to amend incorrectinformation even when you have put it in writing that you have done so. Frankly, I find it laughable how each timeyou offer me some kind of compensation you use the same sentence in yourletter; ‘I do hope this goes someway of restoring your faith in Santander’. Allow me to use the same sentence that I usedin my last letter to you; ‘In fact,you have quite successfully ensured that I now have absolutely no faithwhatsoever in Santander.’ I stand by this comment. You have sevendays in which to provide me with a plausible explanation as to Santander’s actions (or perhaps that shouldactually be lack of actions). Mrs E Blackadder. Hope everyone is enjoying the sunny weather. Have a great weekend. Mrs B
  16. Would love to DX but they just won't seem to accept that it's SB. I suppose I just live in hope the next letter will get through to them somehow.
  17. Absolutely, zydeco! I think what they are trying to say is that they know, but they won't admit it! They probably think that I'm trying to get loads of compensation out of them; actually that isn't my prime motive. Although it is handy to have, for me it is more a matter of principle in that they have done so much wrong yet still think they can get away with it. No letters of notice of default have ever been sent, and the amount on the account has actually come about because they combined two account to make one huge debt rather than leaving them separate (that is another matter though and one that I have not yet sought any advice about.) Add to that the fact that they can't even make up their minds when the account was closed ( I have two letters with different dates on them!) and they messed up the default date, it all adds up to one very large pig's ear. I will, however, give them their due in that they have at least made an attempt to apologise
  18. Thanks for the reply brig, a useful one as always I think what it comes down to is that they will not, under any circumstances, actually admit to the debt being statute barred, even though the SAR clearly shows no movement being made by the account holders after August 2006 and they admit the default has expired. I think the paragraph in question is 'cleverly worded' for want of another way of putting it; the debt is still there, so they are telling me that I am liable for it even though it is statute barred. Fair enough. They say that they won't chase it - yes, because they know it is statute barred!! It's just the bit about their 'right to sell it...' Surely, if they know it is statute barred, then they should not be selling it on at all???? or am I barking up the wrong tree there? I do like your letter though, and I think it will be making its way to satans in the next week or so. Agree that £240 is not to be sniffed at - would cover almost all the cost of my car insurance
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