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    • 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????
    • Yes but we need the correct information.......   Dx
    • Many thanks for your help, much appreciated. It's been a while since I sent a Postal Order.
    • Sorry I meant I say is there anything I can do...  Ithank you 
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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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UK26, I have been in and out of the website keeping tabs on your progress. I think it is excellent that you have taken up the challenge, but it was only a matter of time as people are fed up with the behaviour of the CRA's.

 

My donation of £20 has been sent by paypal.

 

Good luck

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Just came across this thread and it's FANTASTIC. UK26 you are a credit to us all and this is something I have wanted to see for a long time. PM me your details so I can post a donantion (hate ebay and paypal).

 

Soooo many pages here so not sure if its been mentioned but is there any way to gift aid these donations?

 

Anyway if there is anything I can help with just let me know.

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Not possible to gift aid as gift aid is for registered charitys only.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Just stumbled across this thread, and read all the way through, as i too am just about to start the long drawn out process of experian/lowells/ and other scumbags..

.. great work everybody....

 

Uk, well done, wishing you well.....will be following with interest. You have come so far, you deserve the outcome you wish for...

 

B-O-2

ANYBODY WHO NEEDS INFO ON YOUR LEHMANS MORTGAGE

either SPML/PML/LMC/SPPL; the following are DIRECT tel#s,

of the investigating & prosecuting organisations: DONOT say you are from CAG-only directly affected or a concerned citizen.

 

1. Companies House: Kevin Hughes(Compliance Manager-main) @ 02920 380 633

2. CH : Lee Jenkins(prosecuting Amany Attia(MD) for SPML/PML) @ 02920 380 643

3. CH : Mark Youde(accounts compliance) @ 02920 380 955

 

4. Companies Investigation Branch(CIB) : Charlotte Allan @ 0207 596 6108

(part of the Insolvency Service) investigating all the Lehman lenders

 

5. CIB : Jeremy Pilcher('unofficial'-consumer/company lawyer) : @ 0207 637 6231

__________________

File YOUR 'Companies Investigation Branch'- CIB complaint online NOW!!!!

 

http://www.insolvency.gov.uk/complaintformcib.htm

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Following a complaint from the defendants,I have agreed to remove images of documents which they feel are inappropriate.

 

I do not think it would be unreasonable,to suppose that the defendants have concerns about details of this case being aired and discussed on a public consumer forums website that has 220,000 + members,many of whom have similar issues as my own.

 

I make no apology for being here on Consumer Action Group,a community site that was set up,and whose aims and objectives, are to give help support and advice to those who believe they have been treated unfairly.

 

PL.jpg

 

Good post UK26 and top quality blub from Experian.

 

Oh the irony that you are publishing information which they do not like. My response would have been 'Welcome to the real world, if you don't like it take me to Court'.

 

Watching with much interest.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Some very useful developments on the Lowell Portfolio thread today can be used very much to your advantage in this case.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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Thanks, i'm trying to sort out my witness statement for the latest developments on the Lowell Portfolio thread today at the moment,

 

both Lowells and Experian will come unstuck due to this

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I realise this is an Experian related thread - But I thought I'd ask here before starting a new thread and wasting peoples time on this.

 

What I'd like to know is does anybody have any contact details (email addy, name) of any of the top people in Equifax - I'd be particularly interested in their legal team, directors etc...

 

Reason I am asking is I've some negative markers that I want removing from my CRA file - they are subject to a court order (court says negative markers should be removed) I've shown the order to Equifax as in a highlighted copy of order that forbids these markers. It appears the minions don't do reading in there so I intend going higher up to give them one final chance to do right thing.

 

I'd be glad of any help anyone can offer about people in this place - they are worse than Experian.

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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Hi elizabeth1

 

I can give you a name in Their legal dept in London in 10 mins time

 

sparkie

 

 

Sparkie - It's the EQUIFAX people I am after :D:D

 

 

Thank you!!

My CCA skeleton argument to use in court -

http://www.consumeractiongroup.co.uk/forum/cabot/115280-useful-information.html

 

Useful Letters (CCA request is letter N)

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

CAG A-Z list of useful places in CAG -

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/69359-cant-find-what-youre.html

 

Introduction to Consumer Litigation -

http://www.consumeractiongroup.co.uk/forum/general-debt/108467-basic-introduction-consumer-credit.html

CABOT THREADS -

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131321-cabot-threads.html

 

ALWAYS SEEK A PROFESSIONAL OPINION FROM QUALIFIED ADVISORS - any advice offered is from my own experience and knowledge - I am NOT qualified.

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If anyone is wondering where the Lowell case is gone, Its been moved to a private area.

 

If anyone would like access to this, please PM me

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Hi UK26

 

Can you clear some PM's please - your message box is full :D

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

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

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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I can't get access either - even though I have the link from UK26......:(

:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

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

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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

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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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