SAR and CCA has been sent was signed for on the 3rd April

WDA were hounding me but ignoring all my communication with them and being VERY unreasonable saying could only come to agreement at a cost of £30 then were threatening etc still have copies of all emails.

MMF are now the legal owners (supposedly), but they have harassed somewhat!

09/03/2012 - Harassment and Withdrew visit rights by email

15/03/2012 - They responded saying they acknowledge but will ignore it.

19/03/2012 - I emailed them asking them if they know the law and now what harassment and threatening behaviour constitutes (no response)

31/03/2012 - CCA Request sent recorded delivery

03/04/2012 - CCA Signed for

To date still being continually harassed by telephone, email, text and letters.

Update I issued a CCA to CapQuest who are the now legal owners of the debt, they have written to me saying they having trouble getting a response from SHD and the deadline has also passed just over a week ago. I also questioned them over the validity of the default notice as the date is wrong so is the default amount which SHD screwed up. Had all other defaults removed already.

Just thinking if CapQuest are the legal owners why have they not got all the paperwork?

Advice please?

Ombusman has come back saying that the evidence of the telephone calls made to make the payments are not enough? What is then?

This matter is now going to Court VF have been notified of this unofficially and informed that the agreement made prior to court proceedins is still open, will be made in writing next couple days and be delivered recorded, also sending a SAR.

I am shocked at this, generally O2 sort my complaints out within an hour now after I had to take a complaint to the CEO which resulted in O2 admitting the error, refunding the whole bill for £400+ and they gave me 3 months line rental.

I had a similar problem with 1&1 before, complain to Slough Trading Standards and 1&1 soon jump. This is what I did and the matter was resolved quickly.

Ombudsman outcome has come back stating all the facts which us and Vodafone already know, yet has ignored all evidence provided by me and basically manoeuvred around it to get to the outcome! Another Ombudsman service did this to me aswell, until I questioned them and realised they overlooked it. Anyway a stern response has already been provided within 15 minutes of the outcome being received and Letter Before Action has been drawn up ready to be printed then go in the post.

VODAFONE - TAKE NOTE I WILL NOT BE LETTING THIS MATTER DROP, COURT IS THE NEXT STEP.

Thanks for the info, I have had a positive response from Ian himself and the problems resolved. Yet still want to know why I have not been getting a response via the usual channels and simply ignored.

This is still ongoing with the Ombudsman and to date no communication from them other than acknowledging receipt of all copies of things. Xmas 2016 this will get resolved at this rate......at which time the debt will become statue barred xD

Hi

I have had numerous issues with BT with billing on the telephone service and BT Infinity service.

on the Telephone service has a recurring card payment which BT have not been taking which a complaint has been raised 5 weeks ago, to date no response and have paid bill manually yet my phone line been restricted saying your bills overdue by 0 pounds and 0 pence!!

BT Infinity

My account is in credit and has been always, today I come home from work find a letter telling me my account has been terminated and the rest of the monies for the remainder of the contract are now due and will be passed to a DCA....hold on a minute? my accounts in CREDIT and my service has NOT been cut off and still working? Call BT and they apparently have no record of the letter and confirm the account is in CREDIT! Also received another letter offering my an upgraded modem! Perhaps they should get their act together and provide a service first and sort their issues out!

Currently have 3 formal complaints open with BT, no response to either year 4 weeks and counting.......have requested a Senior Manager calls me Monday morning without fail, no call by midday and I will call them!

Lets see how it rolls......

The date on the default is wrong, they issued the default marker with the CRA BEFORE the end of the remedy period

MH state they own the debt, have had no notification from QQ about it being sold, i sent both prove it and SAR, I used to have an active loan, the default with the CRA does not match the default notice served. MH have now sold the account back in October and I have heard no more from MMF.

Here we go again...CapQuest who have been sold one of the accounts have issued a default marker with the CRA but yet have NOT issued a default notice in any kind, they are relying on the default notice issued by SHD which has the incorrect defaulted balance, also the day on the CapQuest default marker does not match the SHD Default Notice. SHD have also removed all their default markers with the CRA.

Some advice?

Yes good luck to all, if you need contact info please just PM me for the info. Not willing to post them on here.

Just an update for all, this case is still with the Ombudsman who are DRAGGING their heels to say the least. I have sent the Ombudsman everything TWICE now and still saying they not had my permission to look into the complaint yet FOUR times I have completed their permission form and posted off to them!

I just want this sorted ASAP.

Capital1 have ignored and ignored and ignored, all I get back from them is we are looknig into your complaint and dont hear anything :/

Nope no notification or anything. When you call MH they say they no longer dealing with it but they palced the default, i have sent the proove it with £10 which has not dealt with nor cashed, I am going to resend recorded this time and I have notified the ICO but they not interested nor are the CRAs.

Just want some advice on this one..

Hi Lee

Thanks for your response, yes fully aware of the need to await the ombudsmans response but they are very slow! They have been sent everything twice now and still only today just sent out forms to authorise this complaint to be looked into by them.

Regards

Matt

I still would like some help on this matter have today sent another letter recorded delivery to MH. MH have placed a default on my file on behalf of a creditor.

A) is this allowed as the person placing the default does not own the debt nor is the original creditor

B) MH no longer dealing with the so called debt

C) Experian tell me to speak to MH

D) MH fail to respond in writing, by telephone the say they call you back and never or they hang up on you.

Lee

I have only just seen your reply to this thread, I can confirm the Ombudsman is now involved and if the Ombudsman is unable to resolve this matter satisfactory then I will commence legal proceedings within 7 working days of the outcome.

Matt

UDATE: This is still ongoing at present and being dealt with by the Ombudsman. In the meantime all correspondence has been gathered ready to commence legal proceedings against Vodafone should the need arise once I have final outcome from the Ombudsman. Particular of claims have been drawn up and do require checking over. Any offers?

Hi

stop communicating with these muppets by telephone, there is a telephone harassment letter in the template library send them that. Also communicate with them in writing only you need to send them a breakdown of your I&E listing all creditors, I do have an excel template for this if required and make them an offer of payment which you need to make it clear that you want all further charges and interest frozen to enable you to clear the debt (there is a template letter in the library) also keep a copy of everything your send and send it recorded delivery. You will probably get a cannot accept first time round, just send it for a second time but amend the letter slightly to be firm that you cannot make any higher payment and take t or leave it basically but ensure you pay them something else they could take action again you, keep copies of everything they send you. After you have done that then deal with your charges under a different cover, get a copy of your statements and add up all the charges you cannot claim back interest only the default charge interest which is listed as such on the statements. put all them into a template and send that off recorded also (a template letter in the library also).

HI there I have just had success with SHD. NDR will not allow any lower payment generally, I had to battle with them in writing and told them in writing that I could only afford to pay them X amount and if they did not wish to accept that then they would only receive £1 as a token payment. I had to send the letter 2-3 times per account before they realised I was not messing around. You need to keep firm and do what you say your going to do and show them who is boss.

All the best.

All.

When NDR get your account they will tell you the minimum they willl accept to setup a payment arrangement and you will have to be firm with them may take a few days for them to accept a lower payment but they will eventually but just be firm with them. As for SHD be firm with them too. I communication directly with their legal team who are quick of the mark and do listen to you but you will need to keep firm, calm and go through with your actions. I chased SHD every 2 days for an update or they would contact me to keep me updated.

If you would like the email address and telephone numbers for the legal department at SHD then please PM me.

Thanks

Can someone help?? Can a DCA place a default on your credit file on behalf of a creditor legally?

I have finally got a response from SHD after I wrote to them by email (addresses available on request from me) and informed them a response is required within 48 hours or legal action will be taken.

The email requested to explain there true costs, what manual intervention has taken place and suggested resolutions.

I had a response stating that they are aware and request a deadline of X which I agreed to. They then requested a further 3 working days which I agreed to but stated that no further time will be given and at end of this deadline court papers will be submitted. On the morning of the deadline they refunded all charges to all accounts with a grand total of £1000 charges.