what can I send them to ensure they are going to supply me with a proper SAR? Please help...

what does that mean?

perfect thanks. They said it would be 40 days, but just wanted to check if that was correct. I have done it all by email, and they wavered the £10 charge....

Just a quick question guys... How long legally are a company allowed to take in order to provide you with an SAR? Thanks.

Can anyone offer any advice on this please?

Great thanks, I will reply to them now and see what they say

I can never get credit cards, only the ridiculously high interest ones, store cards, or loans.... However I don't have any proof as such to show this. I did rent a house with my partner and they did a credit check on me and I was not allowed to be on the tenancy because of the credit rating, so It had to be under my partners and my mums name. I could probably get some sort of proof of this from the estate agent.... I just think its so bad that these companies can just go round issuing defaults (by mistake) and by doing that it can really mess up peoples live like buying a house or getting credit etc. Makes me so angry..

Hi guys me again, I noticed on my credit report that Carphone Warehouse issued me a default a couple of years ago. I emailed the CEO today and requested that they send me a true signed copy of the original default notice as I had never received now. They have now stated that the default was issued by mistake.... They have said that they are going to remove the default. What I want to know is can I claim compensation for their mistake? Here is their response: I have spoken with our credit file team and confirmed what this default was added for. After I have completed my investigations I confirmed that this default has been added incorrectly. his was due to the delay in adding the credit offered from September 2009 when you processed the iPhone sale instore and received missadvice that you could use the original SIM in the iPhone handset. As such I have had our credit file team remove this account from your file, the default and late payment marks have been completely removed from the file. The amendments may take upto 2 days to show on the file itself. I apologise for the inconvenience that this may have caused you and hope that these actions go some way towards restoring your faith in Carphone Warehouse. If you have any further questions then please let me know.

Hello me again guys, Well I have just got a copy of my credit report so I am going through all the discrepancies on there and trying to get advice on how to proceed to clean up my credit file. With this one Virgin Media have well and truely screwed up. Back in 2010 I was in contact with a team leader via email due to a complaint that I made for such poor service, I asked to close my account. The team leader agreed to close the account and remove any outstanding balance. Months later I received a letter from a DCA stating they are going to issue me with a CCJ if I don't pay the outstanding balance on the Virgin Media account. I therefore emailed the same team leader again and asked him what was going on, I thought he has sorted everything. I also said I hope mine and my partners credit ratings wont be affected by this. He replied stating he was unsure as to why it had bene passed on to a DCA however he would sort it, and our credit ratings would not be affected. Anyway after getting my credit report last night I can see that they did indeed issue a default! I emailed the CEO and requested that the default be removed and asked for compensation. Can someone give me some advice as to how bad this actually is? Below is the correspondence I had from start to finish with Virgin Media: Dear Neil, I am emailing in regards to the below correspondance in which I had with one of your employees Daniel Scullion, a Customer Service Team Leader. As you can see I originally made a complaint back on 11/08/10 in regards to appalling service that i had received from your company. I was promised to be contacted within 7 days, however nobody responded to me. I waited 31 days and I still had no response! Therefore on 10/09/10 I spoke called your call centre and managed to speak with a lady in your customer relations team. She advised me to forward a copy of my complaint to Daniel Scullion as she was unable to locate my original complaint. I therefore emailed Daniel on 10/09/10 as you will see below. Daniel replied to me on 10/09/10 apologising for the service received and confirming that he had not cleared any outstanding balance and closed the account. I was happy with this and left it at that. However on 11/02/11 I received a letter from a debt collection agency called S.R.J Debt Recoveries stating that we owe Virgin media £78.23!!!!! It also stated that a CCJ would be obtained against us! I therefore emailed Daniel again confirming what I received and I stated: I seriously hope that mine or my partners credit ratings have not been affected by this. I am thinking about taking this further, I would like a satisfactory response to as to why the below email was not actioned, a resolution, and some sort of compensation due to the distress that this has caused. Daniel replied on 12/02/11 stating: Hi please once again accept my apologies, The account was disconnected and the balance processed for this to be cleared at the time of the previous conversation. I am unsure as yo why the credit applied has not cleared your balance but will have our back office team look at this. In term of the current account stauts our resolution team have cancelled the debt on the account and recovered from the debt agency. I can confirm that this will not impact your credit rating or that of your partner in the future. I replied to Daniel on 13/02/11 stating that I would like written confirmation of this on letter headed paper as I no longer trusted his word. I also requested an explanation as to why the action was not actioned originally, and what sort of compensation would I be receiveing due to the stress that this has caused. Daniel did NOT reply to me. I therefore emailed Daniel yet again on 01/03/11 stating that I have waited 15 days and not received a reply from him. He did not reply to this email either! I therefore left it at the fact from his last email to me he had confirmed that our credit ratings would not be affected and that the account was closed and balance cleared. Today my husband took out a credit rating report with Equifax as we are in the process of purchasing our first house however there seemed to be a problem with his credit rating..... On the credit report it states the following!!! September 2010: 1 payment late October 2010: 2 payments late 20th November 2010: DEFAULT!!!!!!!!!!! I am absolutly livid firstly by the terrible customer service that your company provides, not to mention from a team leader who can not be bothered to chase up requests and check that they have been actioned correctly. Never mind not bothering to respond to customer emails. And now we have been issued with a default!!!! When we were promised that our credit ratings would not be affected! We are going to start court proceedings if you can not provide us with an amicable solution to this within 24 hours! From: To: Subject: FW: Your Fault Complaint Ref Date: Tue, 1 Mar 2011 15:04:33 +0000 I am yet to receive a response to the below email which was sent 15 days ago......... Regards From: To: Subject: RE: Your Fault Complaint Ref Date: Sun, 13 Feb 2011 16:53:41 +0000 Dear Daniel, Thank you for your reply. I would like the confirmation of below sent to me in writing on letter headed paper please, as you can understand I do not trust Virgin Media. We have now moved house, our new address is: . You also did not reply to all the points in my original email "I am thinking about taking this further, I would like a satisfactory response to as to why the below email was not actioned, a resolution, and some sort of compensation due to the distress that this has caused." I await your response Regards Subject: RE: Your Fault Complaint Ref Date: Sat, 12 Feb 2011 08:54:13 +0000 From: To: Hi please once again accept my apologies, The account was disconnected and the balance processed for this to be cleared at the time of the previous conversation. I am unsure as yo why the credit applied has not cleared your balance but will have our back office team look at this. In term of the current account stauts our resolution team have cancelled the debt on the account and recovered from the debt agency. I can confirm that this will not impact your credit rating or that of your partner in the future. Once again please accept my sincere apologies and hope that you will now be able to bring this matter to a close. Regards Danny Scullion Danny Scullion | Customer Service Team Manager Virgin Media | 1 Dove Wynd, Strathclyde Business Park, Bellshill, ML4 3 AL Telephone 01698 5657558 From: Sent: 11 February 2011 20:30 To: Scullion, Daniel Subject: FW: Your Fault Complaint Ref Importance: High Hello Daniel, I am not sure if you remember me or not but a few months ago I made a formal complaint to Virgin and you responded with the response as shown below agreeing to remove any outstanding balance and to close the account without any early disconnection fee. Today we have received a letter from S.R.J Debt Recoveries stating that we owe Virgin £78.23. It also states that a court judgement is going to be obtained against us. I have just had a baby and really do not need all of this, I cannot believe it. Yet again Virgin shows its true colours. I seriously hope that mine or my partners credit ratings have not been affected by this. I am thinking about taking this further, I would like a satisfactory response to as to why the below email was not actioned, a resolution, and some sort of compensation due to the distress that this has caused. Subject: RE: Your Fault Complaint Ref Date: Fri, 10 Sep 2010 18:02:50 +0100 From: To: Hi Carly thank you so much for your prompt response to the request for information. I have located your complaint and have read through this. I would like to begin by asking yourself to please accept my sincere apologies for both our failure to respond within the indicated timeframe and also for any upset caused by this situation, I am unsure of your expectation in relation to type of response you were expecting and certainly if you wish I will respond to each independent points documented within in your complaint. Please correct me if I am wrong but the solution that I see to this issue would be that we remove any balance left on the account and disconnect the account with immediate effect not incurring any early disconnection penalties. Should you require further action on the account then please contact myself using the email address attached. Please once again accept my apologies and to summarise I have removed the balance from the account and disconnected from today's date. Regards Danny Scullion Danny Scullion | Customer Service Team Manager Virgin Media | 1 Dove Wynd, Strathclyde Business Park, Bellshill, ML4 3AL From: Sent: 10 September 2010 16:13 To: Scullion, Daniel Subject: FW: Dear Daniel, I spoke to a lady today in customer relations and she advised me to forward you a copy of complaint email that I had sent to Virgin media. I agreed to do so however I have just realised that I do not have a copy of the email in my sent folder due to your complaints procedure being a complaints form via the virgin media site. I can however confirm that I have indeed forwarded the automated response that I recieved once sending the complaint. I would appreciate if you could locate the complaint by your complaint reference, in which I took time to type out to you. Please respond to me today as I have been waiting 31 days for a response. I have also logged this complaint with Ofcom who are also waiting for the response from Virgin media. Regards, > Date: Wed, 11 Aug 2010 16:58:21 +0100 > From: > To: > Subject: Your Fault Complaint Ref > > Hi, > > Thanks for the email you sent to us on 11 August 2010. We're on the case > and a member of our team will get back to you as quickly as possible, > usually within 7 days. > > Don't forget - if there's anything else you'd like to know, just log on > to our website. It's at http://www.virginmedia.com > > Kind regards, > > The Fault Complaints team at Virgin Media

Sorry yes it is, I totally forgot about that thread. I am going to SAR HFC go from there.... Thanks for your help.

There are no PPI fees, and they have agreed to remove penalty fees. So the amount is defiantly correct. I owner my own house at the time that HFC apparently sent the notices, so the only proof I have is that of the mortgage of the house that I owned... I don't have any proof that I informed HFC of change of address though....

Hello there, I got a HFC issued a default to me on 30/09/09 and a CCJ on 15/04/10. I have only just seen these as I got my credit report. I have contacted HFC in which they have stated that they sent the default notice and CCJ not to my mums address, however I do not live there, and did not live there at the time that they sent the notices, therefore I had no clue about them. Also if they had been sent to my mums address i am sure she would have given them to me or told me about them, I have asked her about it and she says she has never received anything. I asked HFC how the notices were sent, was it by recorded delivery etc, and they said they are sent by normal post. I dont have a clue what has happened to the notices as they have never been received. I really need the CCJ and default of my credit report as I wish to buy a house in the near future. Is this good enough reason to issue a set aside? Also if it is, should I pay any remaining debt to HFC in full now, or wait until the set aside is complete? Please help. Thanks

Well I got a response.... Looks like they want it to get messy. I am not playing around anymore. Please ca you give me advice on what the next steps are that I should take in regards to legal proceedings. Here is their response: Further to your email dated 28 January 2012, we re-confirm that, having carried out a full investigation, we have now exhausted our complaints process. It is open to you to decide to take independent legal advice or, as already advised, to refer your complaint to the Financial Ombudsman Service. Should you decide to appoint legal representation, your advisor will be able to provide you with further instructions as to how to proceed, but in the first instance you may tell them to direct any correspondence to me.

Bombaymix, wow that is bad! Asking you to contact your ex girlfriend to get your money back! Crikey! I know for a fact they have made a big error, and they know that... They just don't want to admit it. They are very dodgy indeed! I shall be going all the way, and cant wait to put a post on here as to how much I have won in court! It is now just the principle that I don't like to be messed about, and they shouldn't be messing anyone about.

Its all very hard with me being here in Dubai.....

Wow your good! I sent the the following: Unfortunately I am not willing to accept your derisory offer of £500, so much so that you have increased my resolve to take all necessary steps to produce a fair remedy. It does not come close to the figure that I deem to be acceptable due to all of the points I raised in my previous email. I find it absurd that you are attempting to lay down deadlines for me, it is your company in which have acted negligently towards me. Not only will I be taking an action for your breach of contract, but also in respect of the breaches of your statutory obligations under the FSA Banking: Conduct of Business Regulations. Once I have obtained my judgment, I shall be sending it to the FSA as the basis of a formal complaint. Because this is a breach of statutory duty, once I have commenced the action I will proceed to judgment, and I will not enter into any discussion about out of court settlements. I have indeed waited patiently and given you plenty of chance to resolve this amicably, however it seems that this is not how you wish to resolve this serious matter. Therefore my solicitor will be in contact with you from now on to start court proceedings. Can you please confirm if it is you personally that he should contact?

I also thought it was a bit strange that they got back to me so quickly, especially with today being a Saturday..... I am thinking about soliciting a no win no fee solicitor to handle it for me, as it is going to be difficult going to and from the Uk. I have attempted to get a credit report from credit expert but I have to wait 2 working days so that they can verify me before i can see the report. Should I reply to them again, or should I just go ahead with a solicitor and court?

Well they replied to me.... Ridiculous.... What is your advice on my next steps? We acknowledge receipt of your further email on 27 January 2012. Whilst we reiterate how sorry we are that you feel this matter has got ‘out of hand’, we do not agree that we have not taken it seriously. We have taken it very seriously and investigated it to the full extent of our involvement in your situation. We would also prefer to resolve matters amicably, so we are prepared to offer, without prejudice, £500 as an ex-gratia payment in full and final settlement of this matter. This offer is open to be accepted until 6th February 2012. Yours sincerely,

lol we shall see what they say... I am not going to give up though. If the don't play ball I will just go through the courts, the have defiantly made an error somewhere along the lines. Going to get my credit report today from credit expert so I can see exactly how much damage it has made to my credit rating, incase they do try it. I shall let u know how I get on

Perfect, I am going to get a credit report online in a little while to check everything thoroughly, in the meantime I have sent them the following: Due to this matter now getting out of hand, and your company not taking my complaint seriously, I have am now liaising with a solicitor in the UK. After consulting with my solicitor he has indeed confirmed that it is of course possible for your company to make direct contact with my creditors to state the error with direct debit transfer was indeed an error on your part, in order for the defaults to be removed from my credit file as the data held by CRA has to be accurate - and although it is accurate technically, the argument is that it doesn't reflect the truth. I am not going to be taking this to the FOS as their services can take up to 2 years to be dealt with. Due to this error, my credit rating is now demolished for the next 6 years, therefore should I now wish to purchase a house, or get any credit and I will find this extremely difficult. It is also my solicitors recommendation to take this matter to court as I will be able to sue your company for a much more substantial sum and will be able to force you to take action to have my credit file cleaned up, this would include breach of contract, and breach of FSA statutory obligations. I shall also be adding on to my claim that due to me being in Dubai the fact that I am being forced to incur expenses traveling to the UK, and a loss of earnings for the time taken to sort out the mess caused by your company and that I would be asking the court to award me reasonable costs of travel on top of compensation. I sending this email as a last resort to settle this matter amicably with your company. From my prospective, an amount of £8000 plus the removal of the defaults placed on my credit file caused by your errors, would be the figure I deem reasonable for the following reasons: - The errors that have occurred on your part - The stress that this has caused - The time taken contacting your company on numerous occasions - Numerous amount of telephone calls I have made to Gregory Pennington from Dubai - Solicitors costs - The major impact that your error has made on my credit file for the next 6 years If in your next response this is not possible, further correspondence shall be from my solicitor and then through court. Regards,

Perfect, thank you so much. So you think its defo better to take it to court rather that request firstly X amount of compensation from them to see what they say? If I do take it to court how do I go about it? I have never had to do anything like this before. Thank you so much for all your help.

Thank you so much for your response. I also think there is a strong case, and I think they are just trying to fob me of with £100 to try their luck. This has totally messed up my credit file now for 6 years, and I have been communicating with them since November about this back an fourth nearly everyday. Will the FSO really take nearly 2 years? Wow. Yes I live in Dubai, therefore how could I go about the court proceedings? If anyone has any advice I would be most grateful. Also do you know roughly how much comp I am looking at if I take them to court? Because if it is going to be difficult to take them to court I shall simply make a request to them firstly for X amount of compensation before I do take it to court, as they have left their last email open stating: We therefore invite you to advise what you feel would be an amicable offer in order for us to resolve your complaint Any advice is most grateful, this is driving me nuts!

Hi everyone, I would like some advice please. Basically I have a dispute with RBS/THINK BANKING/GREGORY PENNINGTON In short, I had a bank account with Think banking, all of my direct debits went out of that account. In august 2011 i got married and me and my wife set up a joint account with lloyds. I signed a form with lloyds so that they could transfer all of the direct debits over from my think banking account to my new lloyds account. In the meantime I have moved to live in Dubai. All of my direct debits got transferred over fine to my new lloyds account except for one direct debit, which was for Gregory Pennington. For those that dont know they are a debt management company and they were therefore consolidating all of my debts ie credit cards etc. Because the direct debit to them did not get transferred correctly to my new account, they were not paid, and therefore neither were my credit cards, in which the creditors of my credit cards (MBNA AND FIRST DIRECT) have issued me with defaults for the next 6 years! Once i realised that the direct debit to gregory pennington had not been paid it was too late and defaults had already been made. I contacted my creditors and arranged direct payment with them from now on instead of going through gregory pennington. I have tried to find out how the gregory pennington direct debit did not get transferred correctly to my new lloyds account as all of my other direct debits got transferred fine. I therefore emailed the ceo of lloyds and requested an explanation in which they have responded in detail and they are not to blame, the did as requested however when lloyds sent the notification to think banking for the direct debit details, think banking took there time to get back to them, then when lloyds attempted to setup the gregory pennington direct debit, gregory pennington cancelled the request! RBS, THINK BANKING AND GREGORY PENNINGTON are part of the same group, now this is where i find it very dodgy. Think banking managed to transfer over all of my direct debits to my new bank account, however they were unable to transfer over the one direct debit that has something to do with them (gregory pennington). Think bankings argument is that it is my responsibility to ensure there was enough funds in my old think banking account to cover any direct debits whilst the transfer was taking place. Which i guess is fair enough, but my point it, if gregory pennington had not cancelled the direct debit request from lloyds, the payment would of been setup, fair enough the payment to my creditors would of been late however no default would have been issued for a payment that was a few days late! I have requested that thinkbanking/gregorypennington/rbs contact MBNA and FIRST DIRECT to request that they remove the defaults due to their error, however their response was: We appreciate your strength of feeling and annoyance on these matters; and note your request for us to contact your creditors in order to remove the defaults from your credit file. However, whilst Gregory Pennington (GP) was assisted you in negotiating with your creditors to pay reduced payments and potentially freeze interest and charges through the Debt Management Programme (DMP), the credit remains your responsibility; and, as such creditors will only deal with you and only they can amend this information for you. It is therefore not a question of us being unwilling; we simply are not in a position to do this for you. Can someone let me know if this is true? The also offered me £100 in compensation for poor service etc, however I have been emailing these guys back and forth for days, over 20 emails have been sent to them. And I have been dealing with top management. I do honestly believe that they are the ones that made the error. £100 is a ridiculous about of compensation for the time and stress this has caused, and plus now I have 2 defaults for 6 years on my credit file because of them! Therefore they put: You have confirmed you do not feel £100 reflects the time you have taken in emailing both RBS and Think Money in order to resolve your complaint or the stress and inconvenience caused. We are sorry that you feel you have had to take the time to correspond with us via email, however, we believe that restriction to this method of communication (at your request) has been a factor in this matter. We therefore invite you to advise what you feel would be an amicable offer in order for us to resolve your complaint. What do you think I should respond to this? I know this is a very long post, however I really would appreciate your help on this matter. Thanks

lol good one! The amount of correspondence I have had with them I reckon they will probably look into it though....

How do i add a thread on here without having to tweet therbs customer service team please?