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mumoftwolovelyboys

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  1. Yes it was marstons !!!!! This debt is her sons and she does not know where it originates. Her son got involved with the wrong kind of people and for this reason she made the tough decision to tell him to leave because she didn't want any trouble coming to her house. now he lives at the other end of the country, they don't speak and she has very little information re his debts (probably told her lies in past about it too) today I have asked her to email me as much info as she can remember from that nasty call and from past conversations with her son so I can get a letter done for the court, the bailiff company and I told her to spk with bank re charge back. She went into branch, Natwest told her because she willingly gave the card number inc security code on back, they would not consider charge back even if it was under duress!! So will do a letter for their disputes department too. Thank all of you guys so much for your help x
  2. I am writing this to try and seek some advice for my friend as she has asked for my help and since you guys have been such a massive help to me in the past - you are my first port of call for advice. Today she received a call while she was at work - she works 200 miles from her home address and her husband was also at work. the call was from a bailiff stating that they were outside her property for a repayment of an unpaid debt (starting at £250) - in her sons name. She has not spoken with her son for 3 years and he hasn't lived with her for the same, in fact, he lives some 400 miles away. The bailiff said that they were at her front door with a police officer and a locksmith and they had a distress warrant to gain entry to her property to remove goods to the value of over £2000. The only way she could stop this from happening is to pay the debt in full over the phone. She was so worried about people going into her house and taking her things that she just gave them her debit card details for them to take the payment (bad move I know but she must have been very threatened to have done that). I have since advised her to call police to confirm if they have log at her address - she called police who confirm police have NOT attended her address. She is now left feeling like she has been conned and lied to by this bailiff who has scared her into making a rather large payment for fear of them entering her house. I am totally out of my depth with this. What can she do in relation to this? Her bank, NatWest cant stop the payment as she gave my card details over the phone but she feels like she has been mislead in the way in which she has been forced to make the payment. Is there any way of firstly getting her money back? and secondly, stopping all the mail for her son coming to her address (she keeps returning mail - 'no longer at this address' but it makes no difference') and stop these companies using her address? Any advice or help would be much appreciated. Many thanks in advance
  3. Hi, Just to let everyone know, Opus upheld my complaint SUCCESS at last! It has been removed from Experian and Equifax, just waiting for Noddle to update now!! Whats more, in response to my letter informing them I am going to take it to court, not only did they uphold my complaint, they offered me £100 compensation. Thanks for all of your help and best wishes to everyone else with these on going issues x
  4. :sad:Hi, yes I spoke to the ICO and they said that there is currently a 30 day wait for cases to be allocated to a case officer. Mine should be dealt with this week. In saying that, you are right, I might as well get the letters sent and get the ball rolling in relation to court now, I have nothing to loose by doing it now. So you think I should send the same as Opus to to equifax and experian, giving them all 7 days to correct it? Do I need to add postage time to the 7 days? Should I again explain all the ins and outs of my findingnes in my letter and then give them the 7 day warning or should I just keep it brief, giving a 7 day warning as per my previous correspondance? Is there a set wording for these warning letters or not? I have been in my job for the last 11 years so not been for another job, I have not applied for credit lately, the last time was beginning of 09 - I was declined by my own bank when we tried to get a new deal on our existing mortgage which had expired on the fixed rate... I haven't tried since (apart from mobile contact which I was accepted for), because I haven't wanted to have loads of searches on my report. We have a 15% deposit for a new build house in an area that we have been wanting to move to for many years and we keep checking if they are selling and, they are sadly selling fast, so the longer this default stays on my file, the less chance we have of moving to this site. I am just trying to be realistic and I am doubting we stand a chance of obtaining a mortgage from high street lenders with a default on my file, so have just avoided trying yet as if I can get this default resolved, all would be clean on my file. Thanks for all of your help, much appreciated.
  5. Thanks you two for your replies, its reassuring to get some good advice from those in the know! I certainly feel confident enough to take it as far as court, but should I not wait for the DCO complaint to go through and see what result I get from that first (as it would the courts prefer to hear their findings), or is it common practice to start proceedings prior? Is it just the small claims court that I would be requesting the summons from? I take full responsibility for the mess I got myself into at the beginning of 2006, but no one should have to live with the punishment over the 6 years, its so cruel. x
  6. Just an update in relation to my dealings with OPUS and their 4 years too late default, after disputing it through equifax (without sucess) and writing to them requesting they amend the default date to 4 years earlier, Opus have now decided to move the default notices forward by over 2 months?!! and also amend every months update on my credit reports over the last 6 years, changing the red and green boxes, chaningthe numbers from 6 to 4 etc etc..... on EVERY month, year on year! the good news is, I printed a copy of my report prior to dispute and now I have a print out of all the changes they have made - which to me can only look like they are trying to interfere or manipulate the data. Considering in their response to my dispute on equifax, they stated that they only had limited account history for my account since they took it over from CITI, so they can only assume that the default date should stay as it is! So how they have managed to assume all this data and amend it all, I do not know. Just don't know how they are playing this, or what they are upto (other then giving me adverse credit rating for 2 months longer). I have submitted a complaint through DCO from your advice, and I am still awaiting a case officer to be assigned to it. Just wondering is this a normal way for creditors to react by making my credit file look even worse? Best wishes and luck to all and I will keep you all in the loop re DCO complaint. x
  7. Hi, Thanks so much for your reply, I do think that it is unfair and I am hoping that by putting in these complaints I can have it removed. Looking at the online complaint form for the ICO, would I write full details of my complaint in the body of my email to them as the form does not appear to have space for this. Also would you suggest CITI are the people I need to be writing to rather than OPUS, since CITI were the ones that defaulted me. Any help in relation to what to say will be appreciated. Thanks again.
  8. Hi, New to this wonderful site, so much great information. Sorry to piggyback you on this one. But I am in a similar situation. I took out a DMP also with payplan, also in 2006. I am now debt free too and I am looking into my credit file in the hope of moving house. I had two defaults on my file still showing (as all of the other creditors defaulted me back in 2006. The only two remaining are black horse (defaulted nov 09) and Opus (was citi credit card) (defaulted feb 10) I started a dispute through equifax re them both as I believed they should have defaulted in dec 2006 (as I had had 6 reduced/late payments by then) as this is when most of my creditors did at number 6 on Equifax report. The GOOD NEWS is black horse replied within 4 days and said they agree and will remove default!!!! this has been done. Opus replied saying they have limited info from citi but they would suggest a later default date then feb 10 as it was settled a few months later!!!!!! My question is are creditors restricted as to when they can default you, ie, is it not best practice to default me within first 6 months of my DMP???? how can they justify giving it 4 years later? There is a chance you could have some help getting them removed through equifax dispute - so I hope this helps you. If there is anyone who can give me some help in relation to my citi/opus default, I would be very grateful as this is the only thing holding my family back now and I feel so to blame. Thanks in advance everyone x
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