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    • I don't understand the bit about looking after your own being criminal, TJ. Could you expand on that please?
    • A somewhat good result. After more chasing, they've sent me a spreadsheet of the accounts for fire protection, water charges and electric.  Communal Electricity - Estimated £45.00, Actual £241.73 - Revised: £41.63 Communal Water - Estimated £3.66, Actual £234.91 - Revised: £76.96 Fire Protection - Estimated £2.08, Actual £147.65 - Revised: £51.15 Still it seems too high, the total for this estate alone for water charges came to £62,950.07 last year. The thing is, they've listed blocks that don't seem to exist on our estate. Possibly from the new development that has only just been built on the estate, which was finished in the summer this year.     
    • The largest ever amount that went into that account was £500 which was about 7 months before it was blocked.    There was no going forward income as the 1st lockdown came 6 weeks later and I went straight onto universal credit after that and have been on it ever since.    Bottom line, at the time it was the only account I had add and all of my savings of £16500 were in there which I had no access to after it was blocked. Tried to contact the car finance company but no one was available throughout the pandemic likewise many other companies who registered a default
    • so you got the original letter asking for your side of the story and replied by email. post up what you said in your reply by email please and their reply.   you later got a letter stating this will be heard by the simple justice proceedure at xyz court on xyz date but still inviting you comment or plea?   how many time and how many days did you use this for and WHAT EXCATLY (the bit in black) on the letter from the SJP court have you been charged with..??   one specific event on xyz date ,...with other uses being by tickboxes to be taken into consideration and wiped if you agree?   what DATE is the court hearing?
    • A more controversial point is that Johnson has made it illegal to look after your family, requiring you to choose between them.   No one I know doubts or questions that people hosting raves and such like should be prosecuted given the situation, just as those gathering for fox hunts and grouse shoots should be, but effectively making people who are simply trying to safely and sensibly look after their own into criminals while the government pals do whatever they like and are thrown taxpayer money by the BILLION for nothing is obnoxious and abhorrent, especially when you can go to a restaurant or supermarket or transport hub and be in close contact with hundreds of strangers.     Oh look - 6 + 1 in close contact from 14+ households and only one wearing a mask - leading by appallingly bad example.    
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UK26 -V- Experian Limited


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Magner's Irish Cider- powered by Co. Armagh bramleys.

 

:)

 

This part of Norn Irn was settled by lots of nice people from Notts and the surrounding counties in the 17th century.

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I feel this may never get to court now that Experian have ( Allegedly) been exposed as having paid for legislation change, Poor Mr ills must be clamouring around for a suitable offer. Poor luv:D

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UK, I've just flagged this thread up on a couple of other debt-related CAG forums. Given the news that Lord Taylor allegedly took money from Experian to influence legislation, I think you may get a few more hits and hopefully the fund (and legal expertise and support) will grow.

“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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Do you think the legislation that waa allegedly 'postponed' by the alleged donation was in relation to another story just appearing on here about the statute barred level being considerd to be changed to 3 years...might that have an affect on how long CRA's can hold onto info? I mea,n, if you then wouldn't be allowed to be hounded for debts after 3 years, surely that would make them recnsider the 6 years that CRAs hold onto info - espeically as that appears to be an arbitrary number pulled out of thin air?

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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Yes, absolutley Kat. If debts were SB after 3 years there would be no justification to retaun data or hassle after that time as the debt would be unenforceable by virtue of it being dead.

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Guys, my Lowell case goes to Trail next month and i need to win this, if i do, its more amo againsts Experian.

 

here is my thread

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/159927-lowell-portfolio.html#post1945416

 

i need some help with the statement of case i posted there

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why do experian have the right to keep data on peopl in the first place?

because they brought and paid for a license to do so.

If you set up a company, paid all the fee's for licensing etc,you could do exactly the same.

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!

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Thanks for the support.

 

I am working on the Lowell case at the moment, which is a key part of the Experian Case. should i win the lowell. i then will be able to quote that case in the Experian Case which in turn will help alot.

 

So guys, just need the experts on there to give my Statement of Case and Witness Statement a once over. and if all agreed, i will take down to the court this coming Monday.

 

Dave

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Hi UK

 

Will sort out some draft pleadings that have been successful for you over the weekend

 

they will need amending and you should have a real think and understand them before using them;)

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Good morning UK 26, found your thread about 2 hours ago and I'm still awake at 1.30am and it's all your fault (drips butter from toasted bagel all over his keyboard). Good luck with this but do not forget to keep your back covered. I'll PM you and get a postal order off to you on Monday.[/font]

 

Up the wooden hill now, night night

 

Dogs

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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Thanks for the PM UK, cheque's in the post.

 

Dogs

I do very little but I do it very, very well :cool:

 

If I've helped give my scales a click

:smile:

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

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