Jump to content


  • Tweets

  • Posts

    • By not sticking to the deadline which you set you have lost credibility. Your letter of claim becomes one of hundreds of others which they receive and which they put in the bin because they think that you are just bluffing.  
    • 05.05.24 Ever so sorry if I have entered this in the wrong part of this website.   My grandfather is in his 70's and retired.  He asked me to help him find a work pension that he was paying into when he was working. From 1967 - 1982 he worked for a Fabric Dying Company, Celanese, Spondon Derby UK. I have already used the GOV.uk Trace Pension Scheme. It listed a few pension companies : Akzo Nobel (CPS) Pension Scheme formerly Courtaulds Pension Scheme.  I do not fully understand how this works but I think this scheme is administer by a company called Willis Tower Watson. We have called this company, got through to the pension department submitted all my grandfather's details (D.O.B. , N.I. no. etc.) but that agent tells that they have no record of my grandfather and ask what is the name of the pension scheme. Here is the problem, his home was burgalled in 2005 and a briefcase which contained his legal documents was stolen. So he does not know who was the Pension Scheme company. I have a this phone number 01332 681 210 for Celanese but it just rings and never gets answered. So I am asking for help if anyone can tell us where we can try next. I am also hoping for a massive long shot that one of them members on this website, worked for or knows someone who worked for British Celanese Spondon Derby and could tell us of any pension company. Thanks for any help.
    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

UK26 -V- Experian Limited


UK26
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5289 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Uk, tell mr mills that your looking forward to your compensation so you can then settle with your other creditors and the world would then be a rosier place for you.

I'm far from an expert, but learning all the time!!!!!

 

If i've been at all helpful please click my star.

 

Hadituptohere OH V Capital One, **WON**

Hadituptohere V Cabot, (providian/Monument/Barclaycard cc) - ** claim struck out ** due to non complaince of CPR, Wasted Costs applied for, Default Cost Certificate issued by Court, Warrant of excecution and CC Baliffs instructed...lol 😎

Hadituptohere V Cabot, (morgan stanley dean witter/barclays cc) - account in dispute, LBA sent to barclays, awaiting responce, no responce.

Hadituptohere V RBS, default removal x 2, case dismissed, judge used Balance of Probabilities against hard Evidence.

Hadituptohere OH v Santander, Santander issue claim in court, settled out of court via Tomlin, less solicitors fees and interest.

Link to post
Share on other sites

  • Replies 591
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Mr Mills called me yesterday

 

he wanted me to stay my case, as i have other legal cases with the creditors and he wants me to settle my case with them before experian settle.

 

I said, i can sue who i like and judge said i have the legal right to sue experian and told him to bugger off, and that i will not delay the case

 

He knows full well, if you resolve the issues with the creditors first, there will be nothing left to resolve with Experian :rolleyes:

 

You take Experian first :) the others will full apart :)

 

Then the flood gates open :p

 

Spark

Link to post
Share on other sites

He only wants you to delay and settle with the others so if you lose he will bring them up in court

hes really digging now bet you get a request to settle out of court has is little bum is fluttering

before agreeing to settle let us now cuz i for one one would make a donation and i bet others will so you wont lose out money wise if you did lose in court

That way it would set a presidence for us all to sue them and use your case as reference thats WHAT HE DOESNT WANT

Regards chris

Please Tip My Scales if Info was Use full

Link to post
Share on other sites

He only wants you to delay and settle with the others so if you lose he will bring them up in court

hes really digging now bet you get a request to settle out of court has is little bum is fluttering

before agreeing to settle let us now cuz i for one one would make a donation and i bet others will so you wont lose out money wise if you did lose in court

That way it would set a presidence for us all to sue them and use your case as reference thats WHAT HE DOESNT WANT

Regards chris

 

Thats a good idea m8 :)

Link to post
Share on other sites

Hi UK 26 - Can you let me know how you got on. I've just been following your thread as I am about to take on Experian myself.

 

Many thanks.

Provident - CCA Request - CCA Received, challenging report with CRA.

Experian - Removal of data request - 10/11/2008 ****** WON AGAINST EXPERIAN *****;)

Link to post
Share on other sites

i have googled for free legal advice , here are links i hope they help yo win your case,

 

Forum | Find lawyer, solicitor, law firm | Take Legal Advice Personal UK

 

Youreable.com | Forum Home

 

Legal advice - handbag.com Discussion boards & Forums

 

forums.teneric.co.uk/legal-forum/legal-advice-needed-please-6053.html

 

Legal advice - The Wholesale Forums

Link to post
Share on other sites

Hi UK26

 

Good luck with your case. Unfortunately I am not a banana however, there are a couple of the site team who seem great at legal cases - Perhaps one of them will pick up on this thread.

 

I haven't started a post yet on my Experian case as I am just starting off however, as soon as I hear back from them I'll give you a link to my post when I get started.

 

Take care & good luck

Provident - CCA Request - CCA Received, challenging report with CRA.

Experian - Removal of data request - 10/11/2008 ****** WON AGAINST EXPERIAN *****;)

Link to post
Share on other sites

UK26 - I just wanted to offer my support for what you are doing. I don't have any legal expertise at all, but I believe completely in what you are doing. Funny that he asked you to stay your claim in a phone call instead of in writing lol

 

Good luck x

TheKat1979 - Taking Control!

 

Taking on -

Barclaycard via HFO - daft application form sent

Barclays Current Account - at AQ stage - fingers crossed asked for Hardship

Egg - various issues! Are about to default me on a disputed debt!

Bryan Carter CCJ set aside - looks to have been set aside without a trip to court! WOO!

Link to post
Share on other sites

On a side note here, as Data Controllers the CRA's have an obligation to ensure info is correct, legal and accurate as has been stated before.

 

Did you not write and query things with Experian before starting court action? If so they should already be aware of what you are disputing should they not and so why are they asking for this again?

 

Only my two bit...

 

Good luck and watching with interest...

 

Penfold

Link to post
Share on other sites

Good luck with this UK26

An intersting point came up on a different thread, its here:- http://www.consumeractiongroup.co.uk/forum/legal-issues/170750-equitable-notice-assignment.html#post1842152

 

Its concerning the DCA's and whether they have full rights to data if they only have partial assignment. If they don't then in your case, maybe Experian have'nt really checked this thoroughly enough and could well be another string to your bow.

Link to post
Share on other sites

Penfold, he probably did query this all with Experian, and knowing Experian they side with the data providor. I have advised them of incorrect info yet they will not do a thing about it, all they ever say is "the data belongs to our client and only they can remove it" trust me i have enough leters and emails stating that! LOL

 

Its about time Experian were brought to court over there action.

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

Jesteruk,

 

That is exactly my point, why are they asking for info that they should have investigated in full on initial complaint! Mind you I feel they should be checking ALL info before blindly adding things to peoples files...

 

Penfold

Link to post
Share on other sites

Wonder why Experian would want to incur substantial legal costs in defending this case, even in the very unlikely event they win, the claimant might not have the ability to pay their costs which would run into £1000's. Now multiply this by 100 claims or maybe 1000.

Humbleman - just spotted your post, i dont know if your aware but within Experians T&C's for there clients, there is a clause they the client will cover all costs incurred should court action commence against them relating to the data that they provided, in other words experian will claim it from the company that provided the info.

Taken from Experian T&C

 

You will protect us, and keep us fully protected, against any claims or actions made or brought against us as a result of:

  • you making the Information inaccurate or incomplete (whether by something you do or something you don't do); or
  • you using the Services.

This protection will include all losses, damages, costs and other expenses (including any payments we make to settle any claims or actions on the advice of our lawyers) that we have to pay, and you promise to pay us for any loss, damage, cost or other expense. The protection will not apply if we are at fault.

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

Well to put it this way, all there clients believe there info is correct yet we both know they have errors, and errors are possible. Yet Experian will ALWAYS side with there client. I have written proof that a debt associated to my name is incorrect and should not be on my file , yet Experian will not remove it, nor will the lender. catch 22.

The only other way is via court, which UK26 is doing, as he has failed all other avenues

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

Im still in convo with them, and awaiting the outcome of the LBA i sent them, Once thats been ignored then i will be taking them and the 3 creditors to court. Watching this one though

Halifax Bank - Owed £1599

23/3 - Data Protection Act sent

24/5 - Data Protection Act finally arrived

25/5 - Demand for repayment sent

04/10 Court bundle filed with court and Halifax

29/10 STAY ISSUED

JAN 08 - Currently being harrased by debt collectors!

Mar 08 - New DCA - Stopped in there tracks

Jun 08 - And another

Jul 08 - Complaint made to HBOS

Nov 08 - My accounts been sold to a DCA

Jan 09 - New complaint issued against HBOS

Mar 09 - Halifax re-aquired the debt

Apr 09 - Applying for Hardship.

 

at least they removed 2 defaults in selling accounts! :D

 

I dont not claim to know everything and any advice i give should be treated as MY opinion.

 

If ive been helpful tip the scales!

or better still

DONATE TO CAG - every tenner helps!

Link to post
Share on other sites

I am confused about something, but am sure it is just an error on the Court letter, but post 70 says on hearing the CLAIMANTS SOLICITORS and defendant in person?

 

Should this just be the other way around? You did not have counsel did you?

 

Penfold

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5289 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...