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  1. I received a letter from Cabot Financial claiming they own an old debt of mine from four years ago amounting to £7800. This debt may be genuine as I went through a very bad time during my divorce mentally and lost my business and home. I thought all my debts were settled at that time so I would like to challenge them as my credit file shows no debt. I have sent a prove it letter and would like to know my next step, a CCA request or SAR request should they persist. I have read that sometimes unsecured debt cant be enforced because the relevant paperwork is lost, is that correct?
  2. Hi all, I have submitted a GDPR request to Cabot for an old credit card debt which I was paying of as part of a DMP I had until a couple of years ago (and stopped paying as I did ask for the CCA and cabot did not comply). Cabot provided all the information they “had”. They provided (as part of the GDPR the CCA ) however there is no mention or any confirmation that the debt was passed on to them or any correspondence made by them that they now owned my debt (i.e from the previous company, initially Egg, then “according to the notes I could find from Cabot “ idem but ab
  3. Recently, DWP paid me 7,000.00 backdated payments for sickness / ESA claims as a result of numerous complaints made about 3 work capability assessments, each of which having a medical report made by a nurse which omitted information. 2 of the work capability assessments were recorded. The oral recordings of the assessment differed from the medical notes made by the nurse, this has been shown on 2 occasions when comparing the oral recording with that of the medical report. Pointing this out to DWP - I was ignored for several years, complaints being answered but nothing being done i
  4. GDPR, In 2018 I sent a request for CCA/Prove it letter to Idem they never replied or sent the info back. However they kept sending letters/calling to contact them etc, duly ignored as the CCA request was not fulfilled. About 10 weeks ago they sent a letter stating that as they could not get hold of me they decided to pass ALL my details to a company called “callresolve”. After 5 weeks I received a letter from callresolve stating that my details were passed on to them by Idem and that they will send someone over. About 2 weeks ago a lovely (sarcasm!) gent arrived at the house, all
  5. I have a friend who has been messed around by a company for over a year regarding a potential debt issue when he expressed that the added strain of the length of time he had been waiting for their replies and dealing with the issue and misinformation he had been given had made him feel suicidal. He was expressing how bad their service was. A month later, after he sent the letter, he received a call from the police. He had to explain that he was not going to kill himself and had never had that intention either and when was this a police issue?. The company had coldly reporte
  6. Just over a year ago my wife was driving me into town in her car on a day when the ground was snow covered. My wife stopped at the foot of a hill when she saw that a car half way up the hill had stopped and was clearly in difficulties. The car then began to slide back down the hill very slowly and with cars behind us, my wife had no way of moving out of the way. The sliding car came to a halt when it bumped into our car. Driver admitted fault and exchanged details. A few days later got the go-ahead to have the car repaired and paid the £95 excess to the repairers when the repair was com
  7. Hi All, my network provider (Tesco) uses o2 which i am still having problems with sending texts, is it a breach of contract? Thanks for any info.
  8. Hi To cut long story short, had a debt around £15k with original lender who assigned the debt to a DCA last summer (2016). DCA wrote chasing debt - I replied stating that in my view (formed by reading loads of stuff on internet) debt was unenforceable. DCA said would look into the matter almost a year later, has written saying they would not pursue legal action 'at this time' but would I get in touch to arrange repayment of the debt. I am assuming (ha ha,always tell my kids never to assume anything) this is as close as DCA will come to admitting debt unenforceable
  9. Hi everyone I have an Energy Company giving data shares to a Credit Agency but the shares are not showing the outstanding amount or reduction in what's been paid every month. I was under the impression that to avoid breaching GDPR certain parts of the data share should include this to show a true reflection of the account and so other potential lenders could see where the account was up to etc. Some months inbetween others they wouldn't give any information! When I queried this with the Energy Company they then started showing the shares as an 'i' which I believe stands for Arranged
  10. For anyone that might be interested a simple online process to obtain data they hold on you . https://www.gov.uk/guidance/request-your-personal-information-from-the-department-for-work-and-pensions
  11. Hello all. Been a while. Had the letter from Apex to say they have "purchased (my) account with all rights ...". Included in the envelope was a bw letter supposed to be from Egg saying it was "notice of the assignment of the debt due to us ..." First thing should I start this thread here as I live in Scotland - or start one on another of the more general debt or DCA forums? Other thing is just to start by saying I'd an Egg Loan and an Egg credit card. CCAs sent for both well over a year ago. Got nothing for ages then two copies of a muliple page computer printout relating to the loan
  12. 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
  13. I’ve never needed a mobile phone except when travelling up north to see my mum who’s in a care home. Just before Christmas 2014 I got a mobile phone from EE so I could stay in touch with work, etc., while visiting my mum. When I set it up it was clear that it didn’t work. I tried all sorts of things and it still wouldn’t work. But I forgot about it for a few days. When I got back after Christmas I decided to phone EE and tell them that it didn’t work. The problem was that they said I didn’t pass the security questions; as a result I could not speak to anyone.
  14. Hello I was on a training course provided by a training provider on behalf of dwp while on course i did not sign their data consent form as, I did not agree to what was on it I only put the date on it. I received contact from the company by phone and email also text message so i emailed them telling them to stop contacting me No reply. i decided to contact them via an ico letter asking why they contacted and they provided me a copy of the form and said as ,I signed it they could contact me. on looking at the form my signature has been forged and also my name has been writte
  15. Hi i have a bit of a problem where on my equifax credit file there is another person appearing on my file under the section called "Attributable data" It says the following If there is information in the Attributable Data section, it indicates that the data could belong to you but cannot be definitely identified as yours. A lender can see this data, but should obtain proof that it does belong to you before it is used in a lending decision now i have no idea who this person is. There are many accounts that have defaulted. What i wanted to know does this affect my score and
  16. Having some issues with O2 as of March this year as they have decided to link 2 accounts for another person with the same name and DOB as myself, however this other person has a middle name and i do not. I do not have any accounts with O2. 18/3/18 Received letter stating i was in breach of contract for not paying my O2 bill. 22/3/18 Received letter telling me they had stopped me making calls and texts. 23/3/18 Checked call credit report and O2 had already linked my address with the debtors in Janurary 18 and had both accounts listed. 23/3/18 Emailed call credit stating the i
  17. Last autumn I checked my credit file and I saw loads of credit searches that looked like insurance - Aviva etc and probably a quote website, lots of mentions of LexisNexis. I then noticed that the date of birth given for the search wasn't mine - it was incorrect. So a fraudulent search had been attempted and what's worse, the credit reference agency had allowed it to happen and given out my data to loads of entities when the data used was partially wrong - surely this should have been spotted and therefore prevented from happening? I reported every search to the
  18. My wife and I have booked a cruise through Tui and my wife made the booking and today I phone the Tui shop and asked about a cabin upgrade and they had to have permission from my wife to speak to me about upgrading and after she gave permission I was told that it had to be done in person so I said I would pop in later to sort out the upgrade and choose the cabin ( which is another fee ) When I arrived at the Tui shop I was told that I could not do the upgrade as my wife was not with me I said that you spoke to my wife this morning and gave permission at no time did you say that she had t
  19. bananas1

    Data breach GP

    I've recently been sent a letter by my GP saying that a member of staff has been accessing my medical records inappropriately. They don't go into any details like how long it's been going on for, how many people are involved or anything like that. They don't even say when the breach ocurred either. All the letter says is they've changed their procedures to stop it happening again, the person has been fired and they've reported the incident to the ICO. Now I just want to say I am NOT trying to claim compensation or anything like that this is purely about how this has now af
  20. Guidance Data Protection: rights for data subjects READ MORE HERE: https://www.gov.uk/government/publications/data-protection-rights-for-data-subjects/data-protection-rights-for-data-subjects
  21. Simple questions. Can the DVLA still give out your details without your express permission? Will it have any impact on PPC's and the way they handled data?
  22. Hi, I opened a credit card account with vanquis in September 2005 and stopped paying them around early 2008 as they were hammering me with charges and i'd pay them what they asked for and the next month there'd be another charge. Obviously they must have defaulted the account and sold it on to lowell. I've only recently been checking my credit file and noticed that the default date for the account is september 2013. The cynic In me feels that lowell.s may have done a bit of sleight of hand with the default date as I doubt vanquis would have waited over 5 years to put the account
  23. Hello A friend of mine let a DCBL bailiff into her home ( it was 6am, they looked like cops and they pushed into the doorway when the door was opened) They waived a Writ of Control to justify entry and refusal to leave. They now have a list of goods under control - one of these is a computer. While I understand they can take the computer, what is the status of the data stored on the machine? In the meantime, I've applied for a N244 to create a payment schedule as she is vulnerable on health grounds (also the reason for not being able to pay the original CCJ that started all
  24. Hi all, I am writing a SAR letter to Barclaycard as the first step towards reclaiming over limit and late payment charges. I've spent a couple of weeks reading various threads here that have been very helpful. I am trying to find the best address to send my SAR but am confused by conflicting information, some of which may or may not be out of date. London? Northampton? Knutsford? If someone could point me in the right direction I'd be most grateful - I don't want to stumble at the first hurdle! Thanks, John.
  25. I applied a mortgage with Halifax bank which was accepted initially later I change the house on which my mortgage was accepted on the second mortgage Halifax rejected my mortgage and put my name on the national hunters date base giving reason that my Job is not verified where as I am working with same employer for over an year I tried few other banks but on the basis of this report no one is willing to approve the mortgage and I won't be able to buy a house for my family really stressed and need some serious help to get out of this trouble
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