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  1. Hello I SAR'd VODAFONE for a debt that is on my credit file that i believe is not mine. I asked for SAR but they are asking for proof of my ID and address etc. I have only ever lived at one address, i told them that the credit file and the information they have put on the CRA's is the same as the address they are sending the SAR, but now the time has elapsed for them sending this to me. I don't want to send them any ID as I know they don't have my ID and won't send me any contract or nothing. There also sent it to a DCA, and I SAR'd them, they said its taking
  2. I also obtained this from them regarding a JD Williams account. It does not makes sense. Debt written off. No copy of contract, can't remove default as information was correct at the time but they can't send or have copies of nothing..? letter below including the reply from Exuifax, which tells me that the dca can't leave a default if it buys the debt? so something really wrong here.
  3. Hi Has anyone successfully had erroneous data removed from CRAs that was put there by Laredoute? I have a close family member who had previous credit with them many many years ago. She noticed about a year ago that Laredoute had updated her credit file with payment arrangements which she ceased many years ago.. then it was showing as being paid successfully, then again changed back to indicating missed payments. Will a CPR 31.14 help in this situation, though I doubt they will hold any data with the debt being so old, but thats only a guess. Any advice will be much ap
  4. This seemed like the best forum for this question, mods please move it if it should be somewhere else. Fraudsters obtained access to a friend of mine's online bank accounts and stole a lot of money. They did it by first stealing her mobile phone number. They submitted a fake PAC request to my friend's mobile phone provider and managed to convince them they were her. They then moved my friends mobile number to a different mobile provider, then managed to gain access to the online bank accounts and reset passwords. The bank sent verification codes to my friend's mobile
  5. Hi Folks, This is my first post on this site so I apologise if I haven't posted in the right place or if I don't use the correct terminology! I will do my best. Also I a big thank you for all the great advice! I have two issues I'd like some advice on but I will deal with them separately. 1. In January 2013 I received CC papers issued by a solicitor acting on behalf of Nat West Bank claiming I owed a total circa £7000 including legal fees and costs . I had defaulted on a personal loan (£1500 outstanding) and I had become unable to service my overdraft (£5000). After taking
  6. I recently won against PRAC financial in a claim they made against me for a disputed PDL. (The dispute is still awaiting FO decision). Exact reasons the judge quoted were no evidence of assignment of the debt to PRAC and no evidence of a Default letter sent. Also their default was in the wrong company name. My other thread regarding the claim... https://www.consumeractiongroup.co.uk/forum/showthread.php?484274-PRAC-BW-claimform-old-PaydayUK-PDL-Debt-***Claim-Dismissed*** Today I had an email about a change to my credit report. Turns out the change is PRAC report
  7. This may have been covered so apologies however my wife had a debt with QuickQuid in 2010, there hasn’t been communication with them since and don't recall having DCA's involved we’ve seen the debt now appear on her Noodle credit file with an account start date of 2010 (when she took out the advance and wasn't able to make any repayments) but a default date of 2015 – i assume they’ve done this just before the debt is Barred so we’re screwed until 2021. Can they do this or is this unlawful? Some help would be appreciated. I've heard that a default can only be
  8. I regularly check my credit report with Equifax, Noddle and Clearscore. I moved house over seven months ago and transferred all my bank account details to my new address. I am on the electoral register at my new address and I removed myself from the register at my old address. I did this months ago so all should be fine. However, my Equifax credit report still shows me living at my old address and says I am not on the electoral register at all. My Noddle credit report shows my old and new address but also says I'm not on the register at either address. I have writte
  9. Here is my best attempt at summarising my dealings with Peachy: Date Borrowed Repaid Interest/charges 20/12/13 0200.00 02/01/14 0227.00 0027.00 03/01/14 0500.00 03/02/14 0645.00 0145.00 0500.00 03/03/14 0630.00 0130.00 04/03/14 0500.00 30/04/14 0677.00 0177.00 01/05/14 0250.00 29/05/14 0075.00(rollover) 0075.00 27/06/14 0327.50 0077.50 27/06/14 0500.00 25/07/14 0193.74 0141.00 29/08/14 0156.48 0089.05 26/09/14 0157.76 0060.82 31/10/14 0177.07 0056.69 27/11/14 0044.88
  10. I bought a £500 graphics card from CCL 15 months ago, it broke, CCL said it has 3 year warranty, but after 12 months you return it to Gigabyte directly. I created an RMA with Gigabyte, they gave 3 options, Pay £15 for a company to deal with the return (at the time I thought this was just to collect the card from me and return it to Gigabyte, as I assumed Gigabyte would pay for the return), Send the card yourself or deliver it in person. I chose option to send it myself as I thought £15 was a lot for a 1 way delivery. I posted the card at the post office, £15.26, grrrr, hindsight!
  11. I bought a Denon AV receiver about 7 months ago from an online retailer. I now need to return it for a replacement power supply as it is making a humming noise. The retailer tells me I need to purchase packaging, arrange a courier and they will contribute £10 for carriage. This is a large and expensive item so packaging it safely will be a big job and I am not sure that £10 will cover carriage and insurance. They tell me repair could take up to 4 weeks which is very inconvenient as this is a critical part of our media system and used daily. I realise being without f
  12. After reading a number of threads I think I have made a mistake. I have 2 debts with Natwest 1. overdraft 1. loan account which they have combined together and I have been paying them an agreed amount .In 2008 I managed to get them to put in writing that they cannot produce an agreement for the loan and further they agreed that all of the money I pay them will be deducted from the overdraft only and it will revert to paying of the loan account when the overdraft is paid. According to their statements they are sticking to that arrangement .I am not
  13. I'm pretty sure this can be done using the law / courts if necessary - my problem is that I don't know what laws to cite and I don't have the funds to go and see a specialist solicitor.... The story in brief: I had a credit card with MBNA. MBNA (improperly [i believe]) assigned the debt to IDEM in 2012. IDEM and I fell out in 2013 - I stopped paying. We went through the tos and fros of asking them to provide paperwork. They couldn't - they defaulted the debt in December 2013 and (improperly [i believe]) assigned the debt on to Arrow Global at the end of 2015. Arr
  14. I have just checked my credit file today - having not checked it for months as ive not needed to and found a default in july 2016 placed on there by Mototmile Finance!! I was shocked. After some investigative work I now know it was a cash genie loan from 2012, which defaulted in 2012!! There is no mention of cash genie on my credit report at all. There used to be but it was removed last year, i'm not sure why but might have been when they went into liquidation?? So i thought that was the matter over......and now Motormile have put a fresh default on there?? I know they are current
  15. Hi All Its been along time since I have been back and needed help from you wonderful guys but back I am Basically like alot of you guys I had a credit card with egg that over the months and years has been passed for DCA to DCA, having CCA'd them along time ago with no response I have done nothing with it. Which wasnt a problem until now. I have been offered a job, something I have wanted to do all my life, couldnt believe it when I got it was over the moon. But.... they do a full vetting and blindly thinking they would only do the normal employer credit check (which I am fine
  16. Hi, hoping for some advice. Last month, whilst checking my Elearscore/ Equifax credit file, Thames Water have added and defaulted an account onto my credit file. It's added on my previous address. I never had an account with Thames Water. I've not lived at the address for over 8 years. They've added the account in 2016 but backdated it to 2014. Default amount is over £1000+. From my formal complaint, they first said they got my details from me. They then said they got my details from a letter they opened which was from a solicitor which was addressed to me and dated ar
  17. Hi there, friend of mine has been dealing with cabot for a CC, she has ignored them for some time recently been receiving letters regarding going to court from their solicitors stating the amount court costs would be, she is not worried about that as she knows it will be statues barred very soon but she has just checked her file on Clear score and the amount has been increased by the amount of court costs described in their last letter. Can they do this, add the costs on to her cra file before it's even been to court? Many thanks.
  18. Lending Stream Hi there, in March 2011 I took out a loan with lending stream (amongst others), which I didn’t pay back, Due to a gambling addiction (addiction fixed now:-)) All of my accounts at the time fell into arrears and therefore default, which I deserved But upon checking my credit file, all of my other accounts show a default date of around may-sept 2011, yet lending stream show there’s as Nov 2012 With the 6 year rule I was happy to wait till sept 2017, but lending streams is a more than a year later, I thought It was a reporting mistake so I called them, and the
  19. Hi all! This could hopefully be an easy one Car needs repair, just over 30 days since purchase, garage are agreeing but I want to retain my one shot repair option. How do I word an email reply to ensure I retain my right to reject and ask for refund or reduction if not repaired properly, pleeeease? Basically they offer a three month warranty but I want it done as a statutory repair and not a contractual one. Cheers NGE
  20. Hi, I've just noticed on my newly issued credit report that two debts, which were settled years ago, have mysteriously appeared. One belonging to BT, which I believe I addressed here for 200 odd and the other to Cabot Financial who insist that I have a debt with O2. (£900 odd?! no explanation as to what its for) The BT debt isn't an issue, that expired as of 9 hours 11 mins ago as per stutter barring O2 deny having a debt with me,Cabot tell me I do, neither of which will entertain sending me a letter to the effect... Also in the past I've sent them various letters: Oc
  21. Not sure if this goes under CRA or Data Protection, please move if required. I am working on an EU complaint with some others about what to me seems a breach of the data protection act or at least article 8 of the human right act regarding privacy rights. I have obtained company documents from a CRA (meant for their clients) that offer customers the opportunity to join what I will call a "club", when they join they agree to provide the data on their customers including monthly payments and an update of their address. In return they get some free access (depending on how much i
  22. this could be a very stupid questions but I notice on my CRA files some loans/debts show as settled whilst others show as satisfied. Which is better? I ask as I have an aqua card debt I need to pay and want to request a full and final settlement figure but part of my request is also asking that the debt be shown as nothing else owing on it.
  23. I had an account with Wonga that was taken out in April 2011. I received an email from Wonga in Feb 2015 just over a year ago stating that i no longer owe any money to Wonga or to PRA(UK) ltd and that my credit file would be updated to reflect this. My issue is this. I believe i have 2 defaults in relation to Wonga on my credit file. 1 for £1145.00 from Wonga the other £1192.00 from PRA UK Ltd. They have different default dates however I'm sure they must be the same account as i cannot recall any other debts to that value at that time. I have contacted both companies but
  24. what exactly does digital media of content mean? suppose someone asks for something that I email to them, is that digital content? supposing I order a psychic or tarot reading on line (whether people agree to such things or not) and I get it, read it and later it turns out to not be true. ..is that digital content if the site says for entertainment purposes only. if I order racing tips from a tipster online, he emails them to me and they don't win ...is that digital content? any insight to this would be a great help:???:
  25. Hi, I moved into a new house in July 2014 which had BG as the gas and electricity supplier. At the beginning of Sept I changed supply to another company. Shortly afterwards I received my final bill which for July and August amounted to £308 for gas and £90 for Electricity. they wanted £400 for 2 months supply in a new build house. I queried this and they stated the meter readings were correct and somebody had been to our property and manually read the meters. long story cut short, they weren't telling the truth after 7 months of wrangling and speakin
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