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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

RossW

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Everything posted by RossW

  1. RossW
    I would urdge anybody who has ever had a dealing with this company to request a SAR Dated 12/08/2011 Notices of Arrears amount £84.63 Dated: 14/09/2011 Notice of Default amount £69.99 Yet, No payment were made between those dates . Can anybody guess why this might be? or have an insight in to it? Cheers
  2. RossW
    BRIGADIER2JCS Thanks for your response, to avoid doubt can i just confirm that the default balance on the CRA should equal the default letter amount, (CRA states £314, Letter states £84.63) Thanks, I will post up my letter later once its finished
  3. RossW
    I will get that issue sorted sorry for thr continue questions, but can I confirm that a default amount registered on the Cra should equal the one on the letter ? Not the total balance of the card ?
  4. RossW
    Exactly that, my full SAR plus another individuals SAR
  5. RossW
    Well, little update. SAR request came, confirms that the default was incorrectly filed (wrong amount ) The sting in the tail is, and I really do need some advice on this... I receieved somebody elses SAR request... I will dispose of it sercurely and call the guy, but what do I do now ?? To confirm , o received two sar requests, mine and somebody elses
  6. RossW
    Good point, two SARs would cost me more
  7. RossW
    Cheers Silver fox,
  8. RossW
    Silverfox, That's the default amount on my credit file, The account is closed. I tried to call orange to pay it and they said the debt has been sold on. I asked them to explain why I've still got my EE contract when i have a default with Orange, and they could not give me an answer - they simply had no clue as to why this amount is outstanding - do i SAR both orange and Arrow? Thanks
  9. RossW
    Realistically Yes, this happened when i upgraded my contract, as they are now EE, I had to close the old account (Orange) and open the new account with EE. I Paid the early upgrade fee(£120ish) and that was that, I'm still on the same account that i upgraded.
  10. RossW
    Checked my credit file, Had a default from Arrow for £9.52. So i sent them a letter asking for a CCA agreement (was unaware mobile wasnt covered for this). They have responded with the following After some advice to go back at them, My next approach will be my SAR request - how ever mobile phone accounts are somewhat hard to over come, its very annoying to be default for such a small number. Any tips and advice would be most welcomed.
  11. RossW
    Nope, no paper work at all hence the sar request, even if they did send one it would be wrong as they over charged interest for 12months. Just a complete show of incompetence from them
  12. RossW
    The origanal issue is, I have a SAR request due to arrive this week, I will be adding the charges to the complaint too.
  13. RossW
    James, do you still need these removed. I have copies and screen shots of their site stating the following "This will help your credit rating" this information was on their website from mid 2009-early 2012. I'm currently using this information coupled with irresponsible lending .
  14. RossW
    Many thanks, I have requested a SAR so will be able to see what comes back, I must admit, the exec did sound like he was on work experiance, had to go away and check a lot of stuff with a co workers
  15. RossW
    Thanks ford, I will wait for there final response before taking it to another level, Are you aware if I'm still able to claim back CC charges?
  16. RossW
    The default wasn't correct in its entirety, it was caused by a previous late payment fee which took the card over its limit, which induced another fee and so on. I paid the full balance and closed the account as soon as i received the notice of default warning letter, I was also over charged interest, surely thats got to be a breach of the CCA or something?
  17. RossW
    One more thing, can you add charges once the default has been registered? Default register date on CRAs is £290, Settlement was £313, would also be worth pointing out that the credit limit was £200.
  18. RossW
    Hi everybody, I'm after some advice regarding this hideous company. Back in 2011 i received a notice to default letter, believed i paid the balance in full straight away. My credit file has a default date registered for the 14.09.2011 for £314 with a settled date of the same date. I never received any further correspondence from them after this point, no 'you've been defaulted' letters, nothing. Apparently, I never paid this balance on that date, according to them i paid it on the 31.01.2013 (Yet my credit file has the date of the 14.08.2011). I've contacted the CRAs telling them that the data is wrong, The response from capital one was that ' all the data is correct ', meaning the settlement date would stand? It was also pointed out that the default amount was wrong, because they had over charged interest between April 2011 and April 2012 (The account was refunded this, 96pence). So id like some advice on what todo as i've complained about this and its on going, but i thought id get some advice in to the following: 1. Reporting incorrect data to the CRAs (Dates, Amounts). 2. Overcharging interest. This matter is being delt with by somebody at the 'Executive Response Center' I'm looking for some advice as to if any what rules/guidelines/legislation they have broken, As i have a feeling this will be going to court, Ideally id like them to remove any trace of themselves from my credit file - as they clearly cant handle my data in an accurate manner. Sorry i've i have rambled, R
  19. RossW
    Have Goven them 3 chances to fix this issue, which is including the wrong APR, over charging of interest. Processing data which is false. Would it be unfair to skip the FOS part and take direct court action Thanks
  20. RossW
    Capital one have supplied factually incorrect information to the CRA Default ammount is incorrect (£1 more than settlement figure I received ) The settlement date has been supplied wrong. I have contacted them, informed them of there mistake and they won't change it. Also contacted the CRA who looked in to it, and capital one replied saying that "all information supplied is correct". When I have evidence it's not.(bank statmebts, corrosponace from capital one).
  21. RossW
    Hi All, Slightly odd question, have looked though the forum but cant seem to find anything on it. if the data provided to 3rd parties about you by your credit card company is factually incorrect, are they in breach of the DPA or CCA, If so do you know what section? Also who is responsible for ensuring the accruacy of the data displayed on the CRA, the supplier or the CRA? Ross
  22. RossW
    I personally think they are in breach of the mis representaion act as well as responsible lending. They also breach the consumer protection from unfair trading regulations section 5 s.5 (b) and s.5(q) Have an appointment this afternoon with a local consumer solicitor. They simply can't be allowed to misrepresent / inform customers that there product would do something. When it doesn't Now I have a few years un till these marks are taken off. I will use this time and explore all avenues.
  23. RossW
    They have stopped communicating, I called the FOS for some advice and they opened a case against them. Receieved a letter from BCW , called them explaing the situation, and they refused to take a payment and have returned it to green wood. Based on the reply I get from the Fos, will dictate my next move. Personally I wish to take them to court, its about time these companies cleaned up there act.
  24. RossW
    Yes, Has anybody actually succeeding in getting wonga Todo anything in relation to this, Took two £50 loans in a 12month period to 'do wounders for my credit'. Always paid in full and early. Didn't need them but based on the information they gave. Turned down for mortgage because of this, going to attempt to put a case together against them. Thoughts ?
  25. RossW
    Hi, The message sent was 'Also remember that repaying your Wonga loan on time does wonders for your credit rating!' These were sent between 22/01/2011 and the last copy I have is 28/02/2012

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