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    • Send Smart a two-line letter informing them of your new address.  It will save you from the threat of a backdoor CCJ later on.   As for DR+, just laugh at their standard letters.
    • Opened April 2015.   Got behind on payments in Sept 2017.   Vanquis contacted me to arrange repayment plan. Then received demand from Moorcrofts.   Account returned to Vanquis Case Manager October 2017.  Interest frozen but no monthly payment plan agreed as no further correspondence received.   I have had no statements since Sept 2017?   Last payment October 2017.   I have checked Experian today and states that Credit Card in Default January 2018?   I have never received any details confirming this and I am a bit concerned what to do? Will I suddenly get something from them threatening legal / Court action?   Do I contact Vanquis or hang fire ?   Any advice would be appreciated.       
    • So bit of an update   Below is email sent to BT. The issue is now not the money but the impact on them reporting to credit references unpaid since Feb This was not showing on credit karma or experian,  who he has been with for a while,  but checked clear score tonight and it is on there as missed payments. I can honestly say they had no communication from BT.      Please accept this as a formal complaint in regards to my account. I expect a quick response considering the impact this has caused.   I have been a customer with BT for a while. I upgraded my broadband around November 2020 time. At no point was I informed that there was an unpaid balance on my account.  My services were recently stopped and I called to determine the issue.    I was informed that no payment to my account had been made since February 2019,  and the balance was £800. You can imagine my shock   I have had no service restrictions, no correspondence, no telephone calls or emails to alert me to an unpaid balance.    When I called I had to pay £380 to get my services reinstated. At the time I felt I had no choice as a self employed worker who needed the Internet for work. I also experienced poor communication and had to call several times for money to be taken   Tonight I have checked credit report and BT have reported missed payments since Feb 2019 which has had an adverse impact on my credit, when everything else is up to date. This will impact on my business and ability to secure credit and I want this resolved as soon as possible.    If this is not resolved to my satisfaction, with compensation for the distress this has caused me,   you can be assured I will take this to the ombudsman.       
    • How else would they know why you are lambasting them if yoh dont????
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 31 replies

UK26 -V- Experian Limited


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£20 more in the bin.

 

Remember one thing, though, UK26 - don't confuse your own requirements in this case with those of a 'crusade', so to speak - I'm sure all the experienced CAGgers out there will keep things real for you. It would be nice to do over Experian, but not at your personal expense or damage. I think you're paving the way for something much bigger at the very least, though... well done and bloody brave.

 

Good luck.

I'd echo that. :)

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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PS: Experian - We're in untested waters

I hope somebody tests them soon, but as DonkeyB says, only persevere if you're okay with it, UK26.

We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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Maybe a bit of clarification: I'm not in any way suggesting UK26 backs out of this. He has clearly rattled a very big cage and has a firm case. But if he were, for example, to get the result he wants without going to court, then I'm sure all CAGgers would agree he should follow the best route for himself.

 

What he is doing, on the other hand - and I think this is really important - is exposing the underbelly of the Experian beast. Whatever the outcome, we're learning how they operate and the lengths they're prepared to go to (for example, digging out paperwork on other court actions through their 'clients' sounds very suspect to me).

 

These kinds of actions can take years to resolve, but the pressure applied through cases like this really can make the b*ggers clean up their act. I'd prefer to see some form of class action, or have the reins of this taken up by a larger body with some heavy financial and political clout. Maybe we could encourage some media interest in this case? Then they really would CAG their pants, so to speak.

 

Keep at it UK26 - you've got lots of support.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Re- Funding Legal Cases

 

Rowntree Foundation

 

would i am sure fund legal action against experian, equifax and DCA's

 

and provide a barrister ot two and solicitors !

 

Research funding.

 

jrf-logo.gif

 

Funding

 

 

 

Information for those wishing to apply for funding.

 

 

Calls for proposals

 

Call Deadline There are no calls open currently. >> Calls issued in last 12 months (all closed) | Notification of new calls

 

How to apply for funding

 

Guidelines and background information for those wishing to to respond to a call for proposal. Please note: we only accept proposals in response to a specific call.

>> Projects we don't fund | Application guidelines | How to write a good proposal | Contact details, decision dates, reapplying, etc. | How we reach our funding decisions

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I have personally emailed everyone who donated via paypal, and we are in the process of contacting those who donated by post. If anyone was missed then please let me know.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Can I ask a quick question,

 

What is the point of experian adding all these posts to their bundle. if anything, if the judge actually reads them it will add more weight to uk26's argument not theirs? Uk26 has explained his argument and reasoning very clearly and all the posts show that all his actions have been considered carefully in compliance with the courts/laws.

 

edit: if they have only included "certain"points that benefit them only then I would be inclined to print off every post and use it

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hi I have submitted a claim this week and if I win (or get settled) I will donate 10% to this and the same to cag. I dont have anything now,(it has taken me 3 weeks to save up for the court fee) and its a toss up to pay for shopping or gas/elec at the moment(its the elec this week :mad: ). I have read this thread from the start a while ago and I give my word I will do my best to help. Good luck and all the best

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I have personally emailed everyone who donated via paypal, and we are in the process of contacting those who donated by post. If anyone was missed then please let me know.

 

Can I ask stupid question - why have you contacted everyone who has donated to this? Have I missed something?

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!

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Ahhh - oh the confusion!

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!

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Please note that this topic has not had any new posts for the last 4093 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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