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Found 32 results

  1. Hi, I had an agreement with MBNA where they would hold all interest, as long as I paid the debt off within 10 years. The amount owing was divided up in 120 months (10 years). However, in the mean time, they have decided to sell the debt, at the same time as our financial situation has changed. The monthly payments are now less. They write to inform me that I am in arrears. The DCA have said the following, is this right does anyone know?? The payment was set by MBNA, based upon, I assume a previous Income and Expenditure form at the point of being 'charged off' which means no further interest is applied to your account but it does mean that this is your 'normal monthly payment'. This can not be amended now as it was sold on this way. It is also less than the 5% normally applied to credit card accounts. And so, we are happy to accept your offer of payment but as it is does not meet your contractual payment the arrears will continue to accrue. We have a legal obligation to reflect accurate data to the Credit Reference Agencies, which also includes arrangements, missed payments and arrears and so your data entry at the credit reference agency will be updated with this information.
  2. Hi, I find myself in a difficult situation. I was diagnosed with sleep apnea 10 years ago and then issued with a cpap device. I was never told at the time by my Gp who referred me or by the hospital consultant that I had to report this directly to dvla. I assumed as it was controlled everything was ok. Recently I had an issue with sleep apnea being uncontrolled. my machine had a problem which has been replaced with one that wirelessly reports data to the hospital. They say sleep apnea is now controlled again. So far so good, again no mention of Dvla. Recently though going through a complaint with my GP (different matter) who referred me to the sleep clinic, its been said about reporting my condition to DVLA. Im now worried after 10 years of not reporting I'm in deep hot water. Any advice on how to tackle this? Im hearing horror stories of DVLA revoking licences etc. I will be ringing the sleep clinic at my hospital tomorrow to get some kind of evidence of my current machine readings to prove the condition is controlled.
  3. This is an interesting one.... I have an outstanding default from MMF (now lantern – ROFL) for a payday loan last paid in feb 2012 (the loan was paid 10 fold over this was the point i said no more). The default was registered in May so its just due to be dropped off my credit file and statute barred, so I thought it prudent to down load a copy to keep on file. To be honest I haven’t really paid much attention to this one as i had bigger dragons to slay but on printing out the report I have noticed a discrepancy in the reporting with a payment of £1 showing , then disappearing, then showing in Jan , feb and march 2016 J F M A M J J A S O N D 2016 138 139 138 :-x138 138 138 138 138 138 138 138 138 2015 139 139 139 139 139 139 139 139 139 139 139 I have learnt a lot of lessons along the way so I am a meticulous record keeper at NO POINT Have I contacted them about this debt, put in a cca request or made any payments. This is blatant false reporting and also means at first glance that i have paid towards the debt, thereby acknowledging it which means it is not statute barred. I know I should let sleeping dogs lie as they have yet to action this but part of me wants to take action as it is just WRONG - is there anything I can do such as reporting them to the ICO. They are bottom feeders and use tricks like this to make so many peoples lives so miserable - i want to fight back.
  4. 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 reporting a missed payment. Considering I won the claim what do I need to do to them. I assume writing to them stating the judge ruled no default/assignment so they have no right to either use my data, make changes to my credit record or in any way deal with me. Then demand they remove all entries? Any tips/examples floating around that will guide me?
  5. Poor reporting by the BBC. http://www.bbc.co.uk/news/business-43912327
  6. Initially i was excited about having a new bank on the high street. They market themselves as different to the others and I fell for it. Now i'm stuck in a situation that's really running me down mentally. On Tuesday, I noticed that there were a number of transactions leaving my account for a gambling site I hold an account with that I didn't authorise. I spoke to their live chat who locked my account and asked me to report the transactions to the police and my bank as it was believed to have been hacked. I report the transactions to Metro Bank as soon as i could and spoke to the local police who gave me an action fraud reference number. The employee at Metro Bank was very polite and said he would investigate as soon as he could. Because the amount of money was quite substantial, I also emailed a customer service head I have had previous contact with. A few hours later i get a call from a man at Metro Bank who says "Well, I can see you gamble often". I then tried to steer the conversation back to the fraud and he says "I can contact them, but if i find out these transactions are yours then i'll be closing your account". I agree (I mean, i didn't make these transactions and i was very clear that I had used this site in the past). I shoot an email to the customer service manager again who emails back saying he has listened to the call and he was merely informing me of the process (He didn't really inform me, it felt more like a thinly veiled accusation but ho hum). Next morning i get a call from the same guy at Metro Bank saying he had heard back from the online casino and they have my name and address (Remember, I did tell them i had opened account with them in the past). They then say they have a record of my IP address that i use for Online Banking on their system. Again, I don't dispute this. He then asks me to explain why that might be. I indicated to him again that I had opened the account in the past. He then says that it sounded like an excuse, he believed i was trying to defraud the bank so he would be closing my account. I asked him why he wasn't listening to me and to speak to a manager, His response was that he had already spoken to his manager so there was no one for me to speak to. Again, I email the customer service manager asking for an explanation, He then sends over a final response saying he agrees with the commercial decision made to close my account based on the IP match and that I had gambling transactions in the past and he couldn't think of why someone would hack a gambling site account... Now, I understand how on the surface it would seem like a quite clear cut response. Usually you would expect someone to play against the house and get the winnings back into their account. But the gambling site in question specialises in Poker. Now, There are well known cases where poker players have had their accounts hacked and funds drained from their linked cards. How they do this is by playing on a table with another player and losing bad hands on purpose to transfer the funds into another account. To safeguard against this, The sites tell you to speak to the bank and to the police so they can open a fraud investigation and also lock the funds from the poker network. I've now had to open a case with the ombudsman and i'm in a panic as i don't have any money for my rent, nor do i have a banking facility anymore. I've gone and applied for an account with another bank as an urgent action but i'm still down a lot of funds and i do not have the facility to dispute the transaction if the account has been closed. The ombudsman reckon it will take weeks/months to have any kind of response. Does anyone have any suggestion as to where i can go from here? The gambling site in question has said they would co-operate with the bank should a fraud or dispute be opened. Unfortunately i've been feeling really low and anxious as a result of the disgusting treatment i've had from their staff. They were not professional in the way they were talking to me in any way. I've tried emailing the CEO about this and they've referred me back to the final response. Not to try an make this case over emotional but the depression experienced from this experience nearly got the better of me a few nights ago so naturally i'm very reluctant to deal with it any more but i know if i don't do anything then things will get worse for me. I would strongly advise that everybody avoid using Metro Bank for these reasons but i would welcome any suggestions on what i can do to speed the process up or anything i might be missing.
  7. Hi all, I was wondering if someone could please share some knowledge on this. Also please be kind A friend told me about this forum I checked my credit file and found that an old loan (which I am still paying off) has appeared. This was originally a Credit Union loan, which was closed in April 2012 and then transferred to a Debt Collection Agency. Since this has occurred I made a small amount of payments and finally agreed to £20 once I got a decent job. I actually was planning on paying this off this month, ironically enough! However, the Union has defaulted me for the last 5 years on the loan and have the wrong information on this e.g. it says I pay £64 a month and the debt has been going down. This is incorrect (as there is only £300 left, not £600!) and also how would I default if it was going down? So here is my questions: • If the original creditor closed the account in April 2012, can they now all of a sudden put this on my credit file? If so, is there a limit to the time they can put this on? After 5 years this seems ridiculous. • If the debt was transferred to an agency, should they not be the ones reporting on this? • I assume if I contact them they will correct this as per the April 2012 closure? If so, I can live with this…. But, I’m not want to continue to rage for another 6 years for the mistakes of my past to go away This is quiet upsetting as I went to apply for a mortgage today, but was denied. I’ve worked really hard since I’ve been a student to pay off debt and pay bills on time. I was finally seeing the light at the end of the tunnel, even to the point my one and only default fell of last month and I hit the 843 mark on my score (even though scores are rubbish anyway, still nice to see). Please help Thanks in advance.
  8. 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 they confirmed the same date Surely it should have defaulted within 3 months to 180 days like the rest, I’ve heard of lending stream being weird how they report things to the CCA’s Can I challenge this? I.e. you should have defaulted me sooner
  9. In 2011 I opened an Argos card account and have never missed a payment or paid late. With that in mind, last year due to personal circumstances I have defaulted on a financial arrangement with a different organisation. Upon checking my credit file regularly I have seen that Argos are reporting that my account with them is showing; The account status is currently under review due to a query. Argos have been reporting this same status since May 2015 - long before anything else went into arrears. Are they allowed to do this and if not, what course of action can I take against them? I have tried calling them to ask the question but they were evasive and told me to write to them
  10. Hi all I am in the support group for ESA and also receive PIP, I have several conditions/illness related problems that prevent me from working. I have developed two new problems, the first being postherpetic neuralgia, a neuropathic pain after having developed Shingles. The second problem is I am now having to take medication for High Blood Pressure. I am not sure if I need to report these to the DWP or not, any advice as to whether I should would be most welcomed. Regards
  11. I have a Gas debt with NPOWER we I have been paying off weekly via pre-payment meter for approx. 36 months. This has been working fine. They have in the last month suddenly reported my account to be in default with Experian which has destroyed my credit score. They say this will remain until I clear the debt completely. Their customer services said that this was a change in policy of how they report debt on pre-payment meters (had I been paying this off via DD then it would be an issue apparently - I am now trying to move to DD). I have a complaint in with them now, and I have contacted Experian and will be contacting the Ombudsmen if I don't get it resolved soon. Can they simply change their minds like this without notifying me?
  12. Which? is urging Government, regulators and businesses to renew their efforts to call time on nuisance calls and texts as complaints continue to rack up in the tens of thousands. After finding that a quarter (24%) of people don’t know where to complain when they receive an unwanted call, Which? are making it easier by launching a new online complaints tool so offenders can be identified and punished. They are urging consumers to report nuisance calls and texts to give regulators the vital evidence they need to take action against companies breaking the rules. This tool is powered by Which?. It helps determine who you should report nuisance calls and texts to and automatically issues a complaint on your behalf, subject to your approval. To stamp out this everyday menace, we need to get more people reporting nuisance calls. Please use and share our free nuisance call reporting tool today. Report a nuisance call
  13. All, This may help some folks if this is actually the company in question's process but I wanted to check first if it was above board or not. The scenario is 2 defaults from the same creditor, which were taken over by a 3rd party, however the earlier defaults were left on file and new ones added. 2 defaults for the same account. This has been sorted but it showed some quite interesting discrepancies. The accounts had the same start start date but different default dates and amounts. I put this to the original creditor and received the following response, with account numbers removed to protect the innocent: The MMF reported default gave default dates of 2 weeks after the NoD was issued and the balances reflected those on the default notices. Credit file reports 3 missed payments then account into default, which is interesting given that one account went into default status on 2nd September, showing 3 monthly payments missed, having been opened on 5th July, less than 2 months previously. I have a suspicion that this reporting process is a big no-no. I also have a suspicion that they register a default with the CRAs promptly for the amount on the default notice then change the details on said default when they sell it on. The technical guidance the ICO supply regarding report of defaults seems to bear this out. It's also fairly interesting to note that between 2nd September and 30th January isn't 180 days. It looks like this creditor plays extremely fast and loose with the reports they provide to CRAs. The 'reporting procedure' I've been given also appears to at very least not be followed. I have presented this to the main CRA, they previously asked this creditor if the data was correct which they have, of course, confirmed. I have supplied the additional information to them and suggested they should perhaps take proactive action given the creditor has told me that they, as a matter of procedure, don't follow proper process. I would welcome the thoughts of those more knowledgeable.
  14. After 6 years my Bankruptcy has finally been removed from my credit file. A default for one of the loans included also gone. However I have an old RBS bank account and loan account that for some reason weren't defaulted but were included in the BR that are still showing on my Equifax credit report as partially settled. I would like to get these removed. What are the chances?
  15. Many people will have been watching Tesco's recent debacle. I have lost over £5000 with the share price fall, over the last 4 months. Tough, you may say. The reality is that I bought my shares based on the financial accounting data published by Tesco in their annual report. Yesterday, I watched the new CEO Dave Lewis, parachuted in from Unilever. He said the "accounting errors" appear to have been undertaken for several years. They have declared £265 million in profits they actually don't have, and won't have. A definition of fraud is: " the intentional misrepresentation or concealment of an important fact upon which the victim is meant to rely, and in fact does rely, to the harm of the victim". I'd say that is exactly what Tesco have done. I'm tempted to issue a county court claim against them, for fraud. Any thoughts, please?
  16. Hi Guys A strange one. Just had a response from Lowell Financial that they are as mentioned before, removing the defaults for 5 accounts for me. However on the email it says; Now i thought Lowell took full control of the default like some other debt purchasers, etc, but maybe they dont?
  17. Hello Can anybody advise me what to do. I had a credit card with Natwest in 2002. I got into problems and ended up on a Debt Management Programme about 10 years ago. All the creditors defaulted my accounts except for Natwest. As a result my credit file shows a report of 6 and this has been happening for the past 10 years. All my defaults have dropped off my credit score. I stopped paying anything to natwest so that they would have to default me but they have still not defaulted this account and report a 6 every month. My credit file is clear now except for this account. Is there anything I can do to get this information corrected to its correct status. I have asked the bank and they won't change it. Thank you
  18. Hi i just recieved a letter from old friend bc today, claiming they have been reporting inaccurately to cras. Im pretty sure ive paid nothing since november 07, but it coudl have been 08. i remember finding cag around 07 time, and sending off for cca. the original cca letter copy i have is dated 04/08, and i wouldnt have paid anything for a few months before then as i was not working. After the usual back and forth, i asked if they had a signed agreement with cputr in mind, this would have been around 08/09, and this is the first i have heard of it since. they say in the letter they are defaulting me on aug 09, which is a lot more than six months after. So it either is, or almost is sb. Think theyll start chasing for it again?
  19. My partner has a loan with mutual that he has paid on time every single month. Mutual has reported to the CRA that payments received on time every month. As the balance was down to him owing £250 in October he decided to get it paid off by Christmas so in October he paid £180 (leaving a balance of £70 to be paid this month). He had an email from Equifax last week stating derogatory info had been placed on his credit file. It was from Mutual - they have reported him as a (1) , we contacted his agent who said their system is up to date so its correct. Contacted Head Office who refused to discuss it and said he had to contact the local Mutual branch, contacted the branch who have said their system is up to date and they dont know how it was reported as that and they cant change it. The issue here is my partner got the mutual loan, a contract phone and a credit card last year to build up a credit (as he had never had anything his score was really bad and he wants to get a mortgage next year). So his credit file was completely clean and the ''score'' was 850 ... this one mark has put him into the poor category with a ''score'' of 650. What can he do to get this rectified? Mutual Agent, Head Office and Local Branch all say they cant change it
  20. Hi folks Can anyone advise what to do if the OC and a DCA is reporting the same amount of debt on the CRA report? Many thanks Doc
  21. Hi, How would a company report to a CRA the information? Could a landlord managing agent do it? How would they go about doing that? I assume you have to register with a CRA or employ a debt collection agency? Thanks.
  22. Hi, Just been checking my file with Equifax and according to that i've not paid my EON bill since Feb 2012, however i've made payments every month since then. See the picture for how it looks on my file.. [ATTACH=CONFIG]43894[/ATTACH] I spoke to EON last year September maybe, about this and they advised that because there was still a remaining balance they have to report missed payments. after May i set up a direct debit to pay a fixed amount, but since then theres not been any updates, despite payments being made correctly, surely its not right that they are still reporting the account as delinquent. Also it still shows a balance and isn't a single green on there despite paying correctly for so long. I would expect that it should have shown as green since setting up a direct debit, but even then, 4 missed payments in May isnt a true reflection of my account either. This wont be doing any favours at all. I've complained again and am waiting for a response. Doesn't seem right at all. Any advice on what to do if EON dont sort this out?
  23. Hi, I have an on going dispute with Link Financial. Link say they assigned the debt from GE Money Home Lending but have to date not shown any proof of assignment. They have however provided me with a copy of the Application form and a copy of the CCA from GE Money Home Lending. The main problem I have with Link is that they are recording adverse data at the CRA's yet the CCA and conditions do not allow for any recording at CRA's. Link have today written to me and said that the application form states that they can report to the CRA's yet this document does not form part of the CCA and is not headed "Regulated by the Consumer Credit Act 1974". The CCA is signed by both parties and the Apllciation is only signed be me. My question is can Link Financial assuming they have a valid assignment record any data at credit reference agencies. I would appreciate any help you can give.
  24. Hi All, I am a manager in fashion retail shop . My assisiatnt manager was stealing customer credit c details to shop on line and getting delivered to our store without my knowledge . 29th Dec , I worn my assistant manager uniform jacket by mistake, I felt some bulky stuff in his pocket when pulled it out they were credit card nos written in his own hand writting , I was shoked but not surprise Because I always had suspicion he was upto some thing . I already noticed there were few parcel deliveries on my holidays and days off .After asking other staff , I established this delivery business is some thing related to these c numbers. I knew already he has a few aquitances in H.O and even area manager wont help me(for reasons) I contacted one of the director and asked for meeting and on the same day his friend phoned in store and asked culprit home telephone number from one of my staff . I presented all evidences to director and requested full investaigation and possibly his suspension . Next day when I came back to work he( asst manager) said to me that he knew I was in h..o. I was not surprised again because someone his (friend) saw me with director in H.O. I asked him (asst man) if you know I was in h.o . you must know then why I was there . He lost in thoughts then I asked him you want to tell me any thing before I contact police , he admitted his fraud to me . I called HR manager to come around early who suppose to have a meeting on same day with me arranged by director for investigation, HR manager is also friend of assistant manger Prior to see culprit , HR manager and myself had brief meeting outside store and then went to see culprit who admitted his offence and resigned . HR manager and culprit's friend who is training manager are very close freinds and they both work together , This makes me more worry about reprisal . My Company recently decided to close the store which is anticipated.I was asst manager in my previous employment 4 year ago before I started with this company where my manager made a technical error and we both lost jobs One day HR manager ranged me and deplomatically asked about my previous employment which never had been a problem before . I knew that training manager had been recieving gifts from my asst manager also he is the one who definetly told culprit about my meeting . Hr manager is protecting him now and playing mind games with me , Recently I have sent an email to director and asked him to investigate breach of our secrect and confidencial meeting without mentioning any names. To my surprise he sounds a bit concened why I didnt told him before and does'nt seems very happy with my email., He passed on the matter to HR manager to invetigate. I would like to know where I stand now I have family and dont want to lose job but at the same time can not tolerate dishonest people who can any time take revenge . Your opinions and advise will be appreciated .
  25. Hi, hope this is the right place to post. I received a threatening letter from a DCA shortly after they bought my debt. Letter was a threat to put a charging order on my property. I've since discovered from reading the OFT rules on unfair practice that a threat that a legal action eg a charging order before any court has made a judgement is deemed unfair. Can anyone tell me or point me to other threads of how I go about reporting this to the OFT. I have copied the original letter from the DCA and they have since sent me a screen print of correspondence sent to me which shows they sent this letter and that they themselves refer to it as a 'Charging order threat letter'. Any help on how to report these amoeba appreciated
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