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    • Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
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Court date set to hear case to lift Stay..??


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Hi all, I'm hoping someone could give some advice or tell me about a similar situation that's happened to them...

 

After going through the whole process of reclaiming my charges and then being told that i would have to wait until the 'Test' case i decided to appeal against the stay that was granted by the court in question.

 

I (with the help of a friend going through the same thing and some templates from consumer action group web site) put together a very good argument as to why the seemingly automatic decision that was made to stay my case was wrong.

 

I've now received a letter from the court saying that they have offered me a 30 minute hearing to decide whether or not the stay should be lifted..

 

To be honest, i thought the court would make a decision about this without a hearing and then get back to me with a yes or no answer so this has thrown me a bit.. can anyone offer any advice on the best way to act now or describe a similar situation so that i know roughly what might happen?

 

BTW This is relating to a claim against HSBC which is why I've posted this in this section..

 

Thanks.

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any questions just ask, quite a few of us have been through this recently :)

 

pete

 

I suppose the obvious question's are in anybody's experience is this hearing taken seriously by the banks? are they likely to even turn up or has anyone had a settlement before or just after this hearing (depending on whether the court ruled in the defendants favour or not).

 

I realise everyone's case is different but any insight would be appreciated :)

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I suppose the obvious question's are in anybody's experience is this hearing taken seriously by the banks? are they likely to even turn up or has anyone had a settlement before or just after this hearing (depending on whether the court ruled in the defendants favour or not).

 

I realise everyone's case is different but any insight would be appreciated :)

 

 

So far and Pete will correct me if I am wrong, we have had shows at all of these hearings, mainly in person whilst mine was via telephone. The banks come prepared with their usual rubbish and it has been down to us to try to sway the judge...most have failed, but I managed an adjornment, but that is as good as a fail really. The court test case is just over a month away and most judge's are not very interested in taking a stance and merely fobbing us off with "wait and see what happens next..."

 

Penfold

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So far and Pete will correct me if I am wrong, we have had shows at all of these hearings, mainly in person whilst mine was via telephone. The banks come prepared with their usual rubbish and it has been down to us to try to sway the judge...most have failed, but I managed an adjornment, but that is as good as a fail really. The court test case is just over a month away and most judge's are not very interested in taking a stance and merely fobbing us off with "wait and see what happens next..."

 

Penfold

 

Thanks for the reply Penfold, it's not sounding very promising then but i shall give it a good go!

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I also have a stay hearing but recently lost my driving licence for speeding - can anyone advising if I can apply to have the hearing over the phone ?

 

Thanks

All comments are my personal views - if in doubt then seek professional advice. If you think i've helped then please tip my scales.

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I also have a stay hearing but recently lost my driving licence for speeding - can anyone advising if I can apply to have the hearing over the phone ?

 

Thanks

 

I guess you could write and request a telephone hearing, however, I would have preferred a face to face one...Is it not at your local court anyway?

 

Thanks,

 

Penfold

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