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sickofbullies

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About sickofbullies

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  1. Also of note, I never received a copy of the repayment plan, all I received was a verbal confirmation at the time of setting it up.
  2. I did agree the payment plan and have stuck to it. It's taken 188 months for the disupte over the actuall bill to come close to a resolution however they've trashed my credit file with 18 months of 6 payment behind markers. The initial issue is I contacted them via letter after I moved out the property with final meter readings, new contact address and a request for a final bill. I would then have arranged a payment plan however after 6 months I hadn't received anything and a debt management company contacted me. I then spoke to BG directly and arrange a £15 a month plan however the Debt management company are still chasing me, the payments haven't been updated on my credit file and I still haven't got an accurate final bill (They have issued estimated readings for 6 months after i moved out the property) They have until the 12th of this month to complete the complaints procedure then it's to be escalated. I just wondered what my options were, and what their obligations were. I was sure that with other finance means they had to issue a statement of the account every 12 months.
  3. Hi, I have been paying off a British Gas account for the past 18 months. I've a dispute going on with regards the amount as they've billed me for an additional 6 months useage despite supplying meter readings when I left the property. They've acknowledged their error and I am currently waiting on resolution. Ialso issued them with a DSAR which has just gone over 40 days so the LBA is in the post today. The values on my Credit File in no way represent the true owed amounts nor have they registered the 18 months of payments I have made. It simply says I am 6 payments behind and have been that way for the past 2 years. Despite the bills being wrong I have no issue with regards me owing a sum to them hence arranging a payment plan however fo the past 18 months I have not received any statement of my account. Are they required to issue me a statement every 12 months to see the status of the account and the amount still owed? Any advice would be appreciated.
  4. Well, I thought i'd update this thread. After sending a LBA for non compliance of DSAR I was contacted by Vodafone Customer relations a few days later who then took it upon themselves to seriously review my case. I've just received the posted confirmation from Vodafone that the negative markers will be completely removed from my Credit Record and that I've received a full credit for the outstanding balance of £1358 (Caused by them terminating my contracts and charging me early termination fee) Thanks for the advice.
  5. I did do a formal complaint and this was their reply: SAR REF: DP/16/352 RECEIVED: 18/03/2016 OBVIOUS COMPLAINT: Yes SUMMARY CUSTOMER NAME: Mr XXXXXXXXXX ACCOUNT: xxxxxxx ADDRESS MATCH ON ACCOUNT: Yes CHECKBOXES COMPLETED, SAR ABLE TO PROCEED: Yes SAR REQUIRED AFTER COMPLAINT COMPLETION: Yes COMPLAINT SUMMARY OF COMPLAINT: ¿ The customer has an outstanding balance on the account. ¿ This has been referred to a debt collection agency and the customer is disputing this. INVESTIGATION: ¿ The customer had two numbers on the account. ¿ The number ending 345 was taken out on the xx March 2013 and the number ending 840 was taken out on the xx April 2013 ¿ The outstanding balance on the account is £1258.12 ¿ The last payment we received from the customer was June 2013 for £75.49. ¿ Both numbers were cancelled due to the collections path on the 25 October 2013 and the customer was charged an ETF for both numbers. £493.08 was charged for the number ending 345 and £475.25 was charged for the number ending 840. ¿ 19 September, the customer called to update the address and to set up payments it shows in the notes. ¿ 21 Jan 2014- The customer raised a complaint with customer relations and stated that around two months after taking out the contract the customer was in a bad car crash and was hospitalized up until just before Christmas. ¿ The customer was advised that because the debt had been passed to CCM Prime we would be unable to take this back from them and the customer would need to pay the outstanding balance to them. ¿ At this point when the complaint was raised it may have been possible to take back the debt and offer the customer help with the balance which is what we should have done at the time. ¿ 22 March 2014, the customer raised an additional complaint with customer relations for the same issue and he was advised the same thing. ¿ On the 22 march An email was sent to the customer to confirm that we cannot offer any assistance and he would need to refer to the debt collection agency. PROPOSED RESOLUTION: ¿ Due to the debt being over two years old, we could not pull this back from the debt collection agency as this would have been sold to them. ¿ The customer has asked to correspond via email only. ¿ I have discussed the case with TM Simon Mellor and due to there being no adequate resolution for the customer, I will note mail the customer and the SAR will be processed. CONTACT ATTEMPTS DATE: NA TIME: NA NUMBER CALLED: NA OUTCOME: NA NEXT STEPS DATE OF NEXT STEP: NA ACTION REQUIRED: SAR to be processed they have even admitted "At this point when the complaint was raised it may have been possible to take back the debt and offer the customer help with the balance which is what we should have done at the time" Also having been advised to contact CCM prime for the past 2 years, the company do not exist as an entity called CCM Prime?
  6. It just keeps getting better... While they are trying to fob me off to the DCA, they have told me the DCA name in question is CCM Prime however the default above which was sent to the wrong address is actually for DRS, a subsiduary of Ardent Credit Services Ltd. If you google CCM Prime there is no mention of this fictional DCA. Since I did a companies house search no companies knows as CCM Prime were listed I then had a look at at Ardent Credit Services Ltd on companies house https://beta.companieshouse.gov.uk/company/04691960 They happened to be called COMMERCIAL CREDIT MANAGEMENT LIMITED prior to their name change however this is still a vast difference from CCM Prime. Also upon checking my credit file the debt is still assigned to Vodafone without change. Does anyone know a good example of a LBA template to use?
  7. I was in a serious car crash and hospitalised. I got out of hospital in october 2013 and was back in within a matter of weeks. Finally leaving hospital in January 2014 and have been unable to work since. I sent LOADS of correspondance asking about reinstatement etc and they ran all over me, said they issued a default and that was that. As it seems the default they issued was sent to the wrong address! I think I've got a good chance with this going to the small claims court. The terms and conditions state that they have to give me 30 days notice of any increases. There is no date on the increase form, nor is the communication listed in my SAR and I can prove they sent it to my old address Also i had them investigating the complaint for me: this is their response: I have an admission by them that when I contacted initially after coming out of hospital they should have took the debt back and offered me help. Also any bills, demands for payment, default notices and DCA paperwork was sent to the wrong address. I can therefore PROVED i didn't receive the default notice due to their negligence
  8. Based on what she has told me thus far, she wouldn't have been able to send me a copy of that document, however in her words "However we do not attach actual copies of these to your account, instead we simply record the fact that a letter was sent" Which hasn't been done. Nor is their a date on said letter an dit's also been sent to my old address yet again? They are required to give me 30 days notice of price increases so this makes me start to ponder what else they've got away with. The price increase quotes the following "If these changes increase your total bill by more than 10% based on your recent usage, you'll have the right to cancel your contract" However I am sure OFCOM ruled against this and allows people to terminate their contract based on any changes to terms and conditions. I'm just trying to confirm this 100%. Th
  9. It get's even better, having asked for the T&C's of my contract and also Any Changes to T&C's / Pricing Which I believe to be totally unlawful. How can you old me to a contract that you can't produce? And then I asked for details of any pricing changes including copies of any correspondance informing me: To which he reply was: However, in the treasure trove of old mail sent to my old address I found the following:
  10. Need some advice on dealing with Vodafone. I submitted a SAR request asking for all the usual (Contract Details, Pricing Structure, Allowance, statement.. the works) and eventually received less of a "Data Subject Access Request" but more a summary of screen notes: For instance I called to change my address and this is what they have given me in the SAR Now I agree, it notifys me of an address change, and could be considered screen notes however WHERE IS THE ACTUAL DATA? Changed address to what??? Now I know where I changed the address to as I have a tenancy agreement and could prove that however subsequently the following happens: So I asked for a Signed copy of my default notice from the CS Agent who sent my SAR: Now I was extremely confused because I knew that I 100% hadn't received the note at my new address however until just shortly I had lost all hope then suddenly while speaking to the new owners of my old address, they informed me that they did indeed have a pile of old mail for me in their cupboard: Incase you haven't guessed THIS WAS SENT TO MY OLD ADDRESS DESPITE ME CHANGING IT
  11. I had supplied a typical SAR request to them asking for statements but was supplied a transaction list showing payments etc. I've redacted it and attached it to this post. I've highlighted where it says 31/07/203 WRITE OFF 520.85. It then shows 0 Balance outstanding followed by a repayment 30/05/06 for the outstanding amount and a further adjustment on my account that day. I was then harrased by 1st Credit up until 08/11/06 when I paid them the outstanding balance again. (This is especially vivid for me because I had been in hospital for minor operation). I remember switching my phone on in the taxi home and 1st Credit calling to receive payment n that day. I then still had issues with my credit file so contacted black horse in late January/early February 2008 with regards to the debt still showing on my report. Within the SAR black horse provided me a copy of an e-mail conversation (01/02/08) which was themselves redacted to hide "From and To" email addresses however as they used a marker it's clearly easy to seeemails were sent to Central Admin DCA. Conveniently they state my file was right however I don't believe this was the case considering if you look at the "PASSPORT system screengrab" documentation the following is visible: On the first copy (February 01 2008, 14:40:45) it states Default Date (31/07/2003) PAYMENT Profile: 001001000122445555DS (this is also the credit file status: OK, OK, Missed 1, OK, OK, Missed One etc all the way to DS - DEFAUlT) On the second copy (February 01 2008, 14:40:50) it states 01/02/2008 CAIS EMERGENCY UPDATE - FINANCIAL CHANGE SETTLMENT DATE: 21/07/03 - Seemingly this was the Default Date on the report 5 seconds before?????? STATUS: 8555544221000100100
  12. Hi, I've been looking at reclaiming PPI from a 2002 loan I got to buy musical equiptment. After being messed around claiming they couldn't find my account details I SAR'd my bank at the time and sifted through 1000+ pages of documentation in order to find my agreement number, 160 days after the initial SAR request I was eventually supplied my account detals. Long story short it was single payment / front loaded PPI payment. I did however run into difficulties paying the account and it was "written off (term as per transaction description) / defaulted at £520 in 31/07/2003. What I've since learned was that this debt was sold off to 1st Credit DCA, who subsequently persued me (and me simply not knowing any better thinking I was simply settling one of many debts I had from my younger years) I made an initial £26 payment on 31/05/2006 as a token of my eventual desire to pay said debt completely. I WAS AT NO POINT AWARE THIS WAS ACTUALLY THE BLACKHORSE ACCOUNT The following day (01/06/2006) while continuing to settle debts I called Black Horse and made what i was to believe was the final £520.85 payment.due on the old loan. After saving for a few months more I then contacted 1st Credit and paid the rest of the £525 debt they asked for. It has now come to light while I've checking old bank statements that Black Horse accepted the final settlment from me while actually not owning the debt having it been sold on to 1st Credit. Where do I stand in Scotland with regards timeframe to claim the full £525 payment from either party? Any advice would be appreciated
  13. CCA aside, should i have expected full compliance otherwise (Correspondance, terms & conditions, copies of all e-mails, default notices, deed of assignment etc) As it's now over 4 months
  14. Hi, Need some advice. I sent Vanquis a DSAR request over 4 months ago. I enclosed a £10 cheque which was duly cashed however they failed to provide me with any of the reqested documents (CCA, Terms & Conditions, Default Notices, Deed of assignment etc) I received a 3 page letter consisting of a demand for a further £1 for CCA and a 2 page document consisting of an abreviated table of transactions (I believe this is supposed to constitute a statement) Can someone confirm to me whether the £10 paid for the sar superceeds the requirement for an additional £1 for the cca. My understanding was the £10 sar fee covers ALL docs & data. Thanks
  15. So I've read however I'm based in Scotland. My personal circumstances changed 3 years ago and I am now disabled. I'm housebound with nothing to do and all day to do it. With the major drop in salary and lifestyle adjustments I am actually in extreme hardship. I've had some decent success so far but just wasn't sure with Welcome Finance in regards to this second unauthorized account. I've had some success with a similar case. In Scotland we have legislation allowing a time of up to 20 years after the date of the "fraud, unauthorised charge, breach of contract etc". "For example, the date upon which a claim under a contract (eg a claim for loss and expense under a building contract) becomes enforceable will depend upon the terms of the contract and will always be a question of fact and circumstance. However, it will usually be when the dispute crystallises, ie when a claim has been made by one party and rejected by the other. Thereafter, the pursuer has five years from this date in which to make a claim otherwise their right – and the defender’s obligation – will be extinguished. In contrast, a claim for breach of contract generally becomes enforceable when there is a concurrence of liability (ie the breach) and actual loss. Again, the pursuer then has five years to make a claim. However, given that a pursuer may not realise that they have suffered a loss until some time after the breach (eg where there is a latent defect in a building), the five-year period will not start until the pursuer becomes aware, or could with reasonable diligence have become aware, of that loss. This qualification is subject to the 20-year long-stop which applies irrespective of the pursuer’s knowledge. Accordingly, if an owner discovers a defect in their building three years after completion then, provided that defect could not reasonably have been discovered earlier, they have until year eight to make a claim against the contractor for breach of the building contract. However, if the same defect is discovered 18 years after completion then the owner has only two years to make a claim before their right is extinguished. It follows that correctly identifying the nature of the obligation is key to understanding when the prescriptive periods apply and, consequently, when rights and obligations will be extinguished under Scottish law." As long as I've not known about the fraud for a period of more than 3 years. I realise that these figures are ludicrous however it gives me somewhat of a negotiating position. Also having read through 10 double sided notes reports they have fully recorded and saved to notes 6 different Switch/Electron/Mastercard and VISA card details (Card No, Start & Exp date, Issue and last 3 digits) Has anyone previously commenced an action over a breach in Payment Card Institute & Data Protection Act regulations??
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