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About orchardw

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  1. I don't think she is registered bankrupt. DRO, I will have to ask. However, Lowell are well known for buying out debt from other companies, which makes me think a debt could be chased. Especially if EE (other mobile phone companies are available) are happy to sell on debt on accounts. Selling on account/debt details without consent is a big No-No in my eyes, surely it breaks GDPR rules...?
  2. She uses Clear Score and there is no "discharge: undefined" just "discharged", so what does that mean? That sounds to me, like the CCJ is not active but she owes Lowell? I assume she has had no contact from them at this point. Surely you are not hinting that she should do nothing?
  3. I would be able to get RGI if the tenant is DSS. It's the CCJ that insurer's taking issue with, which is fair enough if it is outstanding. TBH I have never used RGI before, I have read some insurers are good and some try to weasel of payment. I have had bad tenants before and really want some peace of mind, this time around. Thanks for the information. I am keen to help the tenant irrespective of whether I end up renting to her or not. I think she does deserve a break and some help. What should the tenant do next? Is it worth contacting EE or Lowell or CA
  4. I asked the tenant to find out more about the CCJs and she rang the relevant court (County Court Business Centre in Northampton). They told her that both debts had been bought by Lowell. Both original debts were with EE. So I guess it was bought before the month expired. The tenant was clearly not aware of it being sold on to Lowell. If Lowell or EE haven't contacted her after the CCJ, have Lowell/EE breaching any GDPR regulations by not informing her that CCJ (and personal details) have been transferred/bought without her consent. What are her rights here? In the meant
  5. Hi there, I am a landlord and would like to rent out my property. And then we have found a potential tenant through OpenRent, great! However, the tenant, she is very upfront with us and honest, she had 2 CCJ records marked as "discharge". As a results, it is very high chances the referencing will come back as fail because of the CCJ records that hold against her back in 2016 and 2018. She is a single mum with 2 kids and is a DSS tenant. We have interviewed the tenant, she is genuine and honest person, a good single mum that work hard to feed the kids.
  6. To clarify, they have no details of the previous tenant or may chosen not to disclose that information. I can assume only they never registered with shell. (I was using a full managed service with a letting agency)
  7. That's ok, the January 8th letter was the first demand addressed to my name from MIL DCA.
  8. I received a zipped archive of communications, emails, calls, notes around the account of the previous tenant from Shell Energy. The most interesting part to focus on is the notes on the account that Shell Energy/MIL Collections are trying to retrieve. According to their records, the case has been closed for MIL Agency (presumably when I have phoned twice to ask why I kept getting letters as "Owner Occupier") and then reopened (exported) back to MIL Agency. Shell Energy supplied me the files they received with regards to the tenant and the tenancy
  9. Thank you for the advice. I had already sent an email to both Shell Energy (Utility) and MIL Collections (DCA) to complain that the name on the account is incorrect and should be under the tenant's name. I decided not to phone Shell Energy and just sent SAR to both Shell Energy and MIL Collections (both by email and post). Is there anything else more I can do?
  10. Hi, thank you for looking at my post first of all. I will need some advice regarding the outstanding energy bill left behind by my tenant. First of all, I am a landlord and evicted the tenant September 2019. Tenant moved out on September and subsequently, I (Landlord) have found out that the energy bill has been sent to my property addressing different name (not the tenant name). After multiple phone calls to resolve it, it was found that the tenant has not been paying the energy bill for the entire year and register to the energy company using a
  11. Hi dx100uk, thanks for your reply, appreciate but out of no choices and Vodafone is trying to push the ball to DCA by saying they couldn't contact DCA to delete my records but do it myself. But DCA said that they couldn't delete it but they will archive the information which was not suppose to be with them in the first place. If Vodafone did their job right, I wouldnt need to contact DCA in the first place as that cost me time and money to phone them too. I have stopped contacting DCA but how would I know Vodafone has instructed DCA to delete the records in the first plac
  12. Thanks dondada. To me, I am more concern about DCA has my personal information (full name, address, date of birth etc). Vodafone has been actively phoning me and told me they could not contact DCA to delete my records, because they said they couldn't do it. I told them do not to close the case until they have my personal information have been deleted. Yes i am now just waiting for the 25th May to arrive and then send them the SAR as advise. Vodafone also claimed that they have pulled my account back from the Collection Agency it was assigned to and this was completed
  13. Hi Bazooka Boo, Thanks for your reply and appreciate. Does that meant that I have no way to get DCA to delete my personal information that they are holding of me even though I don't think they will need it and it shouldnt be with them at the first place? I have check my credit rating with MoneySavingExpert.com Credit Club, did not see any credit files listed as DCA or Vodafone, I believed Vodafone has contacted DCA to close the case as I do not have any outstanding with Vodafone. I have no choices but force to phone to DCA because Vodafone will not help me to resolve wh
  14. Hi there, I would like to get some advises regarding Vodafone had shared my personal information regarding (full name, address, DOB, email address) Undeniable, once a contract has been formed in between Vodafone, if without monthly payment, Vodafone will pass the information and shared with Debt Collection Agency because Vodafone appointed DCA to collect the debt on behalf. Vodafone claimed that, that clause was in the contract. (Thats what I have been told by Vodafone after the incident.) However, I do not owe Vodafone any money nor any outstanding amount, however, my account
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