Thanx for reply.

What I mean creditors have changed the default address to my current one,they issued it at old address then updated my address on credit files. 

Regards 

Thinker

Hi, 

I had 14 accounts which were all paid on time until I was taken from my home by the police cause of domestic violence. 

All the companies registered defaults against me when I became homeless and filed for a DRO. 

I am now discharged and two creditors have remove the defaults but the other 12 creditors say that they can't do it,

is this true or is there anything I can do. 

Thanks

hi,

just received my full claim today as final settlement of £858.

we will accept this offer.

regards

hi,

update- sent Directions Questionnaire today.

regards

Hi,

Alittle update-

BACS Payment Schemes Limited have responded as follows –

Thank you for your recent enquires where Bacs Service desk have responded to a number of your questions. We note from your correspondence that this matter is now the subject of legal proceedings, consequently, Bacs is unable to enter into any further correspondence with you in relation to this matter.

Regards

hi,

a little update.

... i have been emailing bacs today for reSponses from me,

they reply is-

As you have detailed that this matter is in court for bank refusal to comply with the Direct Debit Guarantee and being unfair to yourself,

I have escalated this matter to BACS Payment Schemes Limited to investigate and advise a response for you.

Whilst the Scheme are investigating this matter for you, any future communication we receive from yourself will be forwarded on to themselves directly.

We will acknowledge your emails,

however we will not provide a response to your queries until the Scheme have provided us with their response.

This has been raised internally under reference XXXXXXX and I would like to request that in any future communication you please provide this reference number, so myself and colleagues are able to provide you with the correct level of support by understanding your previous questions.

I hope this helps you and once the Scheme has had some time to investigate this matter for you, we will be able to provide you with their final response,

Any Thought,

Regards

hi,

I have until 9/3/17 to file it to court office.

Regards

hi,

received n180 today.

regards

hi,

all info from mcol-

You submitted a claim on 19/01/2017 at 05:33:01

Your claim was issued on 20/01/2017

TSB plc filed an acknowledgment of service on 06/02/2017

TSB plc filed a defence on 20/02/2017

A bar was put in place for TSB plc on 20/02/2017

DQ sent to TSB plc on 20/02/2017

regards

hi,

i think Directions questionnaire

Regards

hi.

DQ sent to TSB plc on 20/02/2017

Regards

hi,

Thanx for replies.

I have phoned bacs head office 0203 2178370 asking for the bacs best practice guide for processing of refunds book, not available to me.

tsbs defence is based on that which i cant get hold of.

regards

hi,

Ive included this to my sar-

hi,

been checking morning night.

regards

hi,

two good points from above.

i emailed the utility company on the 20/12/2016 to provide me with dd advance notice,there reply (21/12/16) was we no longer have any information related to your dd.

i went to bank and they insisted on seeing the advance notice before applying the dd, told them these no information on my dds. i even sent a copy to banks ceo confirming this.

regards

hi,

they phone at 1039am asking to speak to partner, i said how did u get my number? they said from our client. i said i never gave your client permission to have it as its ex directory.i told them to remove my number from there data base and put everything in writing and i hanged up on them.

regards

hi,

bloody cheek. tsb have given my home number to tlt.

regards

hi,

thanx for the reply.

everything u said is true and its not the money im worried about. its the fact that they wanted information which i cant get hold of,plus i got email from supplier stating this about the direct debits. ive even sent email to ceo about this also.

regards

hi,

tomlin order-

regards

tom2.pdf

tom1.pdf

hi,

follow up-

tsb2.pdf

tsb1.pdf

hi,

Tsb are willing to refund £642 without court hearing. More to follow....

Regards

hi,

the bank have refused to refund direct debits under the ddgs due to wanting to see advance notice from me. bacs have confirmed that they is no formality for this and now its in court for refund of these d/ds.

regards

hi,

is it good or bad?

regards

hi,

dont know, but from the tlt i sent it by email. i sent it special delivery and email tlt to confirm this.

regards

hi,

claim was sent bt special delivery and email.

regards

tsb ack1.pdf