Experian Outrageous!!!

[bobbyh99]

69d

 

Can you post up your final letter for other to see (obviously without the personal stuff)?

 

BobbyH

[spartathisis]

I wish I was as clevere as sum off u folkes on here, i wdnt o soo much!!

 

 

But seriously, great letters both I have copied to file and may use in the future.

 

I heard a couple of weeks ago on radio 4`s today prog a comment in mid conversation on a similar matter, when a Euro MP(didnt get his name) said that the CRA`s would have to really change when the investigation ongoing at the moment was reported on as they have flouted the law for too long. Anyone know anything?

[69d]

69d

 

Can you post up your final letter for other to see (obviously without the personal stuff)?

 

BobbyH

At this present moment in time i cannot post any letters due to the legal nature of my case between the 3 companies concerned at the moment,and we dont know who is genuine on this site and could put my case at risk,but i will post when the case has been finalised.but i will post the final letter from Experian received this week to restore my rating back to normal,just give me a couple of hours to do this.

[iddles10]

dum de dum. I'll put the kettle on whilst I wait for the answer.

[69d]

dum de dum. I'll put the kettle on whilst I wait for the answer.

 

Dont be patronizing i have been severely ill and hospitalized for several months,i attach the letters after the case was concluded with great sucess but at a big barristers bill,but in the end i won.

The finance company and the credit referance agencies concerned where reporting a default when there could not possible be one as the contract was not enforceable by law,the vehicle supplied was not the vehicle on the credit agreement,my monthly payments were rescinded and the referance agencies reported a default,unfortunately for them this was illegal as they had no evidence and the finance company was unable to provide any,they removed the account after they were threatened with libel action for false reporting,damage to my credit worthiness,and harrassment.

 

The Credit referance companies gave 21 days notice to the finance company concerned,that unless they provided evidence of the contract existed they cannot report the account accurately,therfore it was removed.

 

The finance company solicitors also had a letter from the solicitors stating the credit rating to be restored immediately as you where reporting false statements,also stating action for libel.

 

It cost me £8000 in defending my rights but i handled the credit referance agencies myself with a copy of the evidence produced from my Barrister regarding the case.

Edited July 7, 2009 by 69d

[kfdh1962]

subscribing... excellent stuff:D

[Alphageek]

Dont be patronizing i have been severely ill and hospitalized for several months

 

Hi 69d, I'm sure iddles10 wasn't being patronising, (s)he was just wanting to see the letters you were about to post. That's the problem with communicating online, sometimes it's hard to judge one's mood.

 

Anyway, I hope you're feeling well after such a long period of illness. Well done for seeing this through to the end

 

The scans you have attached are just the thumbnails and are too small to read. Can you try to make them bigger please?

[iddles10]

Of course I wasn't being patronising!!!

 

Your last post was in November of last year. Putting the kettle on was meant to be funny coz I didn't expect an answer any time soon, for whatever reason - nothing personal. Lots of people were saying that they couldn't wait for a response, as they seemed to be on the edge of their seats, like myself.

 

I'm so pleased that you won. I'm a bit new to this, but - how come you ended up paying your own costs if you won?

 

What you've achieved is crucial! If the CRA's are unable to retain information on accounts that can't be proven by creditors, then it's a fair argument for everyone else who doesn't have a properly executed agreement etc. If people were able to quote a case where a judge has ordered an agreement unenforceable and the reference agencies have removed an entry on that basis, it could set a presidence.

 

I hope you're very proud of yourself and that the battling didn't worsen your illness and that you're all better soon.

 

Edited July 7, 2009 by iddles10

[evancosmo]

subbing

[69d]

Of course I wasn't being patronising!!!

 

Your last post was in November of last year. Putting the kettle on was meant to be funny coz I didn't expect an answer any time soon, for whatever reason - nothing personal. Lots of people were saying that they couldn't wait for a response, as they seemed to be on the edge of their seats, like myself.

 

I'm so pleased that you won. I'm a bit new to this, but - how come you ended up paying your own costs if you won?

 

What you've achieved is crucial! If the CRA's are unable to retain information on accounts that can't be proven by creditors, then it's a fair argument for everyone else who doesn't have a properly executed agreement etc. If people were able to quote a case where a judge has ordered an agreement unenforceable and the reference agencies have removed an entry on that basis, it could set a presidence.

 

I hope you're very proud of yourself and that the battling didn't worsen your illness and that you're all better soon.

 

Each party was responsible for its own legal fees due to an agreement made by my solicitor with the finance company solicitors,that was we both bear our own costs on the basis i was being reasonable stopping payments which was my contractual right to do so as the contract does not comply,(The finance company stated i was not entitled to stop payments) this was found to be untrue and i was advised to stop payments immediately,therefore for 14 months i refused to pay nearly £500 pcm totalling about £6000 in total,therefore i was still driving a vehicle without paying,so that was to be treated as my compensation and i would be unreasonable if that was not taken into account.I also received compensation from the car dealer of £3000 after the offer of settlement.

 

The whole ordeal was very stressfull,ontop of trying to keep a very stressfull high profile safety job too and a looming serious operation planned to which i have recovered,you have to be determined to see it through to the end,and dont let the credit referance agencies tell you otherwise,english law prevails,they are not a law to themselves even when they state they cannot do anything by removing the information they produce,they must provide written evidence within 21 days from the finance company,if they cannot produce the evidence ask for the file to be supressed within 14 days,if they fail to do this issue them with a notice you intend to proceed with action for libel,you are also entitled to compensation for loss,to which you do not actually have to provide the costs of the loss.Also write to the commisioners office with a complaint,but this does take upto 3 months.Keep piling the pressure on them daily,bombard them with letters/emails for evidence of false reporting,if your in the right they will back down.my credit rating since the removal of the account has gone from 200 upto 900! that is what i needed as you wont lend another penny from anyone,since this i have purchased 2 houses and a new car,so its vital you attack,best of luck to you all.

 

And dont forget you need to write to all the credit reference agencies not just the one who reports your default.EXPERIAN CALL CREDIT & EQUIFAX

Edited July 7, 2009 by 69d

[69d]

Hi 69d, I'm sure iddles10 wasn't being patronising, (s)he was just wanting to see the letters you were about to post. That's the problem with communicating online, sometimes it's hard to judge one's mood.

 

Anyway, I hope you're feeling well after such a long period of illness. Well done for seeing this through to the end

 

The scans you have attached are just the thumbnails and are too small to read. Can you try to make them bigger please?

Right click the image save to desktop and open with windows live photo gallery.if that dont work i aint a clue.

[iddles10]

Cheers for that info 69d. It must be really encouraging, to everyone, not just me.

 

It's all over now!

[Alphageek]

Right click the image save to desktop and open with windows live photo gallery.if that dont work i aint a clue.

 

The attached files are only about 203px × 280px - not big enough to read.

[Ellie May]

Subbing

[Conniff]

Is this original thread dead now HME4X4 or are you coming back to let everyone know the outcome?????

[Zorro01]

subbing

[hme.4x4]

Sorry guys...........yes, I am still alive.....this is ongoing and I can't say too much right now....but the battle continues. I will post again when I can!!

[247orbital]

As usual the OP goes quiet I have no doubt he won and was possibly awarded damages along with a gagging order.

[Bosund]

Subbing as that letter is a treat...

[Deb T]

To me it sounds like a back door for the dca's ....Where once a signed credit agreement was the only real currency accepted that you had an agreement with the a creditor it now appears that for the benefit of DCA's the likes of Experian are upholding credit agreements on the basis that

For example, if a company can demonstrate that an account was being paid on time for a number of months/years prior to falling into arrears, this is often seen as evidence that the individual concerned must have consented to the terms and conditions of a contract.

 

A company will only open an account if the applicant agrees to their terms and conditions so, unless the account was opened fraudulently, the account holder must have agreed to the standard terms and conditions for that type of account.

 

Thus giving the creditor/dca a helping hand. To me it seems as if the CRA's are becoming Judge/Jury & Executioner where peoples credit files are concerned. I no longer give a hoot as to my credit file, I'll not pay a CRA single dime more to view my file and if I'm refused credit for whatever reason then so be it but I'm certainly not ever going to entertain an CRA again in any format, they've gotten too big for their boots.

[Muffintop]

I gave up when i received the same initial response over a year ago, didnt know where to go from there... May now pick up the gauntlet again thanks very much for some hope and if enough of us try same approach we may win.

[Muffintop]

Can i have the e mail address pse

[23sopwith]

ive just received an online report from exp its got data on from 10 years ago and even has an adress as a financial linked address for a house ive not lived in for 20 years what a mess

[BRIGADIER2JCS]

Nice little package for the ICO to go through, lets see if Experians PHILL will have any comments:madgrin:

[The Debt Star]

Nice little package for the ICO to go through, lets see if Experians PHILL will have any comments:madgrin:

 

:lol: I'm sure Punxsutawney Phil will enlighten us presently!

Edited May 15, 2011 by The Debt Star