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    • Sorry, but we need to see the entire claim form in PDF. Scanned. I'm particularly interested to see the description of the parties. Also, I notice that you said that you would provide further details of your claim. This was unnecessary – and probably you shouldn't have done it. Have you sent them something now?
    • Its new Premium account costs £15 a month and comes with features including phone and travel insurance. View the full article
    • and here is the Hermes response:   Intention I intend to defend all of this claim   Signed I am the Defendant REDACTED Hermes Legal Department 19/10/2020
    • Here is my claim:   Particulars of Claim I posted the Item at a collection point which I was provided the following tracking number: REDACTED The tracking did not update past the point it was collected from this shop, and I had flagged this up from the 6th. PackLink have offered compensation amounting to £25 which I have refused. They do agree that the parcel is indeed lost, but are not willing to payout the value of which the item sold for. PackLink have refunded me the cost of the label which amounted to £7.08 There is a packlink reference number for this case, which is: REDACTED In essence, PackLink admit they are at fault, but are not willing to compensate me for the full value of the item at its sold price. I will provide the defendant with separate detailed particulars within 14 days after service of the claim form.   Details of claim Amount claimed£1,490.00 Court fee£70.00 Total amount£1,560.00
    • Thanks for your reply, yes they got the items back undamaged.    The police got of to sign the recorded warning but the man in tesco didn't have me sign anything, he just took my name and address,  didn't ask any other questions or say anything about a "fine"   Was just a one off.  I had just lost and buried my 21 year old nephew.  So really wasn't in right frame of mind. Deffo wont be doing that again.  Nearly 30, with a clean record up till now so was a big shock for some stupid items that I had the money to actually pay for.     I'm currently in the processes of being refereed to a therapist. To try and help.    I'll make sure that I update this if I recieve any more letters from them and I'll make sure to keep them. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Tate-Lloyd/Claims Management UK


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Your track record is good.

So have you cleared card debts in full.Also would you agree that sometimes when you are stressed and over burdened with it all, sometimes it may feel easier to pay a small fee to get a company to do it for you. I was and know how it can feel during a vulnerable time in your life, say divorce, to want to just hand it to someone else.

 

 

In answer to your questions,the answer is YES and NO.

 

When I joined CAG in 2006 I had 2 CCJs and my credit file had 6 defaults.

I now have no CCJs and only 1 default.

Personally I have had NO inclination to pay a small fee to get anything done.

It is agreed that some people are vulnerable and can be stressed-thats part of lifes experience,whether you have credit card debts or not.

For the record I also conducted my own divorce proceedings from start to finish.

It was done and dusted in a matter of months.

The only parties that benefit from divorce proceedings are Solicitors.

I was adamant that I was not going to give any Solicitors any benefit from an already sad experience.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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To c123 and steff63,

 

Perhaps you may like to post a new thread with your problem with creditors on the forum and we can try to resolve it with the help of the many CAG members.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=170

 

I do hope both of you stay around and look at the advice that's offered.

 

Help us to keep on helping.

Please consider making a donation, however small, if you have benefited from advice on the forums.

This site is run solely on donations.

 

You can make a donation

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Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Hi there,

If you see above a member of their staff has written on the thread.

You have nothing to worry about.

The system is that about three weeks after the first Affidavit you will have a final one to have sworn. Once this goes off to the lender that should be it. You will get a final document from Tate-Lloyd confirming completion and possibly something from the lender, but sometimes you may have to rely on the completion document.

There is a backlog, not helped by moving offices. If you email them now at the address you have for them, it may help. Tell them you have not received the final affidavit. However you will be in the system.

Mine was slightly delayed also but came in the end.

 

I think you will find it easier to contact them now the move is complete.

It is easy when you read this posts to jump to conclusions and also for other posters to whip up a frenzy among the readers that everything is a [problem] without looking at the full facts. To date all hat has happened to you is that the process is a little delayed.

If you do have hassle from creditors there is a letter that Tate-lloyd can provide that you can send them stating relevant statutes that show it is illegal for the lenders to chase you while the debt is in dispute.

Sometimes there does seem to be little communication between the lenders and the companies they use to collect the debts but just tell them it is disputed.

 

One lender completely backed off when I told them it was disputed and apologised for calling!!! Another has passed it to their collection company but I have told them it is disputed and to refer back to the original lender.

 

Anyway, you have nothing to worry about. Just email them and say you have not received the final affidavit and can they send it out.

The end result is worth it. Divorce plays complete havoc with your finances so I really empathise with you.

Yes, Tate-Lloyd will speak to your creditors but it may not stop them chasing you.

claims managementuk.co.uk rang me and said to pay the money on my credit card and it will be wiped off so it would cost me nothing and the debt would be cleared in 28 days but they passed this on to tate and lloyd which advised me to canceld my direct debit so i did and 4 months on and they still have not cleared my debt and now i am black listed this has gone on for to long now all i have got from tate lloyd is my name black listed and caroline2009 explain that and the mighty tate lloyd things cant get any worse for me

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In answer to your questions,the answer is YES and NO.

 

When I joined CAG in 2006 I had 2 CCJs and my credit file had 6 defaults.

I now have no CCJs and only 1 default.

Personally I have had NO inclination to pay a small fee to get anything done.

It is agreed that some people are vulnerable and can be stressed-thats part of lifes experience,whether you have credit card debts or not.

For the record I also conducted my own divorce proceedings from start to finish.

It was done and dusted in a matter of months.

The only parties that benefit from divorce proceedings are Solicitors.

I was adamant that I was not going to give any Solicitors any benefit from an already sad experience.

 

I am impressed. Is there a way to remove late payment records from a credit file?

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Late payments entries are only short term and so drop off on their own.

Lenders and Service Providers will say that you gave permission for these entries since its in T & Cs.

Unless there are inaccurate entries there,then you will struggle to have them removed.

Of course you are entitled to add a notice of correction.however if such was warranted then it would give rise for removal or amendment by your rights anyway.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Oh boy, I am caught up in the same slow boat...no returned calls, no emails answered etc. I did manage to get hold of them this morning and after having my signed Affidavit for over 30 days it was sitting in a 'pile of them' but the person I spoke to said he/she would post it off today.

 

The main question for me is how do we find out if this whole process really works, I haven't seen any threads/evidence from anyone to prove that it does?

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Oh boy, I am caught up in the same slow boat...no returned calls, no emails answered etc. I did manage to get hold of them this morning and after having my signed Affidavit for over 30 days it was sitting in a 'pile of them' but the person I spoke to said he/she would post it off today.

 

The main question for me is how do we find out if this whole process really works, I haven't seen any threads/evidence from anyone to prove that it does?

i just recived i letter from santander saying they cant remove my name it will be black listed for six years and that i could send a notice of correction explaning why they were late payments what a mess i have payed to get my self black listed i am very angry at this because its not just the name its my address as well dose anybody know what to do?

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I have recently signed and sent back my final affidavits, I agree it has taken some time. However, I still have confidence that I am not being scammed and think maybe you are panicking too soon. I panicked at first, but then after reading all of the threads, realised that if everyone is ringing TL, then of course they are going to get back logged. If you want answers, then ring CM UK for them. I did and have got through to them everytime. It is them you have contracted to do the process for you, not TL. I have been satisifed that things are moving foward, all be it at a slow pace. At the beginning of this thread I said I would let you know if my debts have been cleared and still will. I have been told I will receive a final letter within a week or so. I only have letters and calls from 1 company now, some have threatened defaults, but I have just informed them that the account is in dispute and since have had no further phone calls from most of the creditors. It was CM UK that informed me that it would take 28 days, when I asked TL they said it could take longer and not rely on 28 days. I'll just have to wait and see won't I.

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It is most disappointing to see that Tate-Lloyd have not responded to our queries, especially on the subject of compliance.

 

However, I expect to be able to post some information later on today which may be of interest, especially to those who feel that either Claim Management UK Ltd or Tate-Lloyd have not fulfilled their expectation.

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We are aware that some sales people are claiming it only takes 28 days, however this is only the minimum. We have addressed this issue, which causes a lot of problems for Tate-Lloyd.

I also like to point out that we only offer a File management service, basically we are sending letters on behalf of our customers.

We are not making any claims, nor do we give debt advice, we are refering to the OFT Debt collection guidlines.

Once the process starts our customers usually dont hear from us untill the process is over, unless the customer is contacting us.

 

However please email if you have any concerns.

 

Whilst you state that you are not insinuating that you are Solicitors, your company's name has Legal Services in the title. Does this not suggest to the average person that you are providing legal services and thus advice?

 

Unfortunately a Phd in law does not qualify you to provide legal advice, particularly on such a litigious subject.

 

If you provide just a file management service, and are writing letters on behalf of your clients, is this not something that they could quite easily do on their own, without paying a fee?

 

Therefore it is quite easy to see why your clients have been given the wrong impression, whether intentionally or not.

 

From this site it is obvious that many people using the services of tate-lloyd have concerns. Many people will be very interested to see their reply to the post of Scarlet Pimpernell.

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I think its pretty fair to say that irrespective of any response here from T&L its very likely that there will be some further posts that will be of interest to all those who have been seeking answers.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have now spoken to the OFT, ICO and to Trading Standards.

 

Swansea Trading Standards would be interested to hear from anyone who has had dealings with Tate-Lloyd, whether it is to make a complaint, or simply to report concerns.

 

The correct way to do this is via Consumer Direct on 08454 04 05 06. They will usually pass the information to your local TS, who will then pass it to Swansea. Following this procedure ensures that statistical information is forwarded to the OFT, which is of benefit in the long term.

 

You can also email Swansea TS at trading.standards @ swansea.gov.uk (remove the spaces), but note that they can only provide advice if you live in their catchment area, although all reports will be logged.

 

As always, CAG will be happy to assist anyone who needs further help. The more people who provide information to Trading Standards, the easier it is for them to protect consumers.

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Very entertaining.....Caroline is obviously connected, very hurt by the criticism and can only reply to questions with snide comments and insinuations about our low levels of IQ?...

 

She stated they were solicitors then withdraw this based on research that's she's done in the last day,not sure what her Intelligence Quotient is but I suppose that's an easy mistake to make!

 

Nice touch getting a staff member to post I assume admin have checked the IP address's to make sure this isn't the same person...

 

In summary this is an advert for them gone badly wrong

Live Life-Debt Free

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I have recently signed and sent back my final affidavits, I agree it has taken some time. However, I still have confidence that I am not being scammed and think maybe you are panicking too soon. I panicked at first, but then after reading all of the threads, realised that if everyone is ringing TL, then of course they are going to get back logged. If you want answers, then ring CM UK for them. I did and have got through to them everytime. It is them you have contracted to do the process for you, not TL. I have been satisifed that things are moving foward, all be it at a slow pace. At the beginning of this thread I said I would let you know if my debts have been cleared and still will. I have been told I will receive a final letter within a week or so. I only have letters and calls from 1 company now, some have threatened defaults, but I have just informed them that the account is in dispute and since have had no further phone calls from most of the creditors. It was CM UK that informed me that it would take 28 days, when I asked TL they said it could take longer and not rely on 28 days. I'll just have to wait and see won't I.

 

 

I'm with you, I'm in the same situation, Ive paid for a service and will wait and see what the outcome is.

I will also sing their praises if the outcome is to my advantage, be they solicitors or not.

Fingers Crossed

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Very entertaining.....Caroline is obviously connected, very hurt by the criticism and can only reply to questions with snide comments and insinuations about our low levels of IQ?...

 

She stated they were solicitors then withdraw this based on research that's she's done in the last day,not sure what her Intelligence Quotient is but I suppose that's an easy mistake to make!

 

Nice touch getting a staff member to post I assume admin have checked the IP address's to make sure this isn't the same person...

 

In summary this is an advert for them gone badly wrong

 

I think the comments here are unprofessional aswell as inaccurate.

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

I simply can't be bothered to post anymore.

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes. I suspect it is because too many of the posters are probably male!!!!

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All very interesting, Caroline.

 

I think the comments here are unprofessional aswell as inaccurate.

 

Which comments are inaccurate, Caroline? I'm sure readers can decide for themselves who appears to be acting unprofessionally.

 

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

 

Which rather begs the question as to why you seem to feel the need to expend so much energy defending a company you claim to have no commercial connection to.

 

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

 

People who are having problems are at liberty to notify or complain to statutory agencies who have a duty to protect consumers, especially where a company appears to be unable or unwilling to confirm that it is compliant with its legal and regulatory obligations. In your earlier posts you were shrieking about how customers should not contact Tate-Lloyd, but to the introducers who flogged the service; now you say that people should be going to the firm directly! Do try to keep up.

 

I simply can't be bothered to post anymore.

 

Jolly good.

 

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes.

 

Knowing what you know - do you know Tate-Lloyd's consumer credit licence number, or their data protection registration number? Knowing what I know, Trading Standards involvement is hardly a surprise.

 

I suspect it is because too many of the posters are probably male!!!!

 

Never mind. Run along and crochet yourself a chip for your other shoulder.

 

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Getting back to the real business if T&L have found a new approach it would be good to know what it is so we can use this help those who need it for free.

Live Life-Debt Free

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I think the comments here are unprofessional aswell as inaccurate.

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

I simply can't be bothered to post anymore.

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes. I suspect it is because too many of the posters are probably male!!!!

 

LOL

 

Is that seriously the best your "superior IQ" can manage?

 

In my experience of CAG we have quite an equal quota of M/F here, and as for the "unprofessional" comment, well, its not us thats purporting to be professional is it?

 

You'll forgive me, but "simply cant be bothered" sounds like a classic "I've thrown my toys out of the pram"

omnia praesumuntur legitime facta donec probetur in contrarium

 

 

Please note: I am not a member of the legal profession, all advice given is purely my opinion, if in doubt consult a professional

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Well done to ScarletPimpernel for some sterling work and information which hopefully will help those posters who are worried about losing their cash that they can ill afford to lose.

 

I would also invite those posters to post their problems up on the forum to see if CAG can help them out without the need for payment.

 

Help us to keep on helping.

Please consider making a donation, however small, if you have benefited from advice on the forums.

This site is run solely on donations.

 

You can make a donation

HERE. Thank you.

 

Any advice & opinions given by supasnooper are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability.

Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I think the comments here are unprofessional aswell as inaccurate.

Correct them is you feel they are inaccurate.

I actually can't be bothered to respond as I am not so sad that I spend my life posting on forums!!!!!!

I spend my life on forums helping people so if that's sad then I prefer to be that way.

I also like to get on with my life rather than trying to ruin other people's by causing problems with inaccurate accusations.

Be more specific

For people who are having problems notfying bodies is of no help to their immediate situation. They should be going to the firm directly and asking for an update on their case.

Explain how they do that and how the process works.

I simply can't be bothered to post anymore.

Running away earns you no respect.

 

This could have been such a good forum but seeing what has been written, knowing what I know, it had lost all credibility in my eyes.

It's hard work and that is the challenge you must either accept or run away from on CAG.

 

I suspect it is because too many of the posters are probably male!!!!

I am but I also dislike certain companies and the way they treat people with misleading claims.

 

Caroline, either you have the guts to defend yourself on the forum or you don't. The forum is not a popularity contest and the forum is never going to be inviting for the type of work or job you do. Have some courage to answer the questions asked. You will never win with some people but you may earn respect from others for at least trying to be honest to the best of your ability. Running away means no one has the chance to respect your view even if it is something that they may not ever be able to agree with.

.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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The truth is,from the complainants who have posted with their stories of the service they have received,together with information thats been unearthed by contact with regulatory bodies-it would seem fairly conclusive that concerns raised throughout this thread have turned out to be valid.

 

Rules and regulations are in place to protect consumers from those who seek to exploit the reclaims and debt cleanse markets.

CAG makes no apologies for bringing such examples into the spotlight and reporting those who engage in it without proper licensing,or concern for its customers.

Sometimes the truth can be hard to bear-but theres no hiding from the regulators.

Those who take their chances in avoiding compliance of their responsibilities,can not complain when they are discovered.

There can be no excuses-end of.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I have today received my monthly report from credit expert to discover that Egg have reported a late payment on my account, even though they are aware it is under dispute. I am considering making a complaint to the financial ombudsman, has anyone had a similar experience?

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I think that you will find that this is a Data protection issue,although the FOS can deal with complaints about adverse action being taken following a dispute that is ongoing,insofar as the entries on your credit file are concerned,then this would be a sep matter for the ICO.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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