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    • 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.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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CL FINANCE +2 unfair defaults on credit file HELP!!!!


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Hi Guys,

can you please help me,as I think CL Finance have been a little shady.I want to know if I can challenge the 2 defaults on my credit file. I never received any letters stating they where issuing a default notice.

I had been paying them through a debt management program with CCCS

(which I have now finished :))

The following is from my report with Experian,which I unfortunately only checked for the first time yesterday and got the shock of my life:eek:

 

1)C2

Company name: C L FINANCE LTD

Account type: Bank

Default Balance : £1,156

Current Balance : Satisfied

Defaulted On : 15/11/2005

File Updated for the Period to: 26/04/2009

This one above they issued the default in 2005 served me with CCJ paperwork in 2007 I had no notice of the default. I had to use my boyfriends credit card to settle the debt even tho I was paying them through CCCS, as I felt I had no choice I didn't want a CCJ on my file.I avoided the CCJ (thank god)

2)ENTRY NUMBER: C3

Company name: C L FINANCE LTD

Account type: Bank

Default Balance : £501

Current Balance : Satisfied

Defaulted On : 30/05/2006

File Updated for the Period to: 26/04/2009

Status history:

This one I continued to pay through CCCS and once more never received any threating letters or calls and no default notice's

 

Please help,I only wish I knew then what I know now about DCA's and their bullying ways

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Thank you bubble cat,I am still a little confused.

If they issue a default notice is this because they expect the account not to be paid. If so what happens if I continue to pay the account and repay it in full

do I have a case to challage the defaults.

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I have limited knowledge, but, as I understand it, a Default is registered after 3 missed payments (original payments that is). It will stay on your File for 6 years from the date of its' cause, ie. first miss payment (I think?).

 

I believe you would be able to challenge the non-receipt of a Notice as they should be 'served' correctly.

 

Not very helpful, I know, but others will be along with much better help and info.;)

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The accounts were originally with HSBC when I started with debt management. They sold the debt onto Metropolitan (without telling me)

I payed monthly payments to Metropolitan for a long time, they then send me a letter saying they had sold the debt on to CL Finance and not to make any more payments to them, but to continue paying as they would sort things out with CL Finance.There was obviously a breakdown in communication somewhere along the way (I was just doing as instructed).

 

I never missed a payment,but CL Finance transposed the accounts and the incorrect payment was going against the incorrect account. They tried to hit me with a CCJ in 2007 which I then paid the account in full to avoid the CCJ (not knowing I had a default)

 

I am thinking of sending a subject access request,but I am not sure who too. Should it be HSBC, Metropolitan, CL Finance or all three.

 

As I want to try and ascertain all the correct dates to fight my case as I know I have paid every month untill the accounts where paid in full.

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You are getting some really excellent advice here jobo - get your SAR into HSBC.

 

I am pretty sure you should have been advised the debt was being sold on ? can anyone correct me please if I'm wrong and how this would help towards jobo's case?

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Thank you all for the advise it is much appreciated

I am sorry PGH7447 i dont mean to sound a little thick, but you have confussed me a little with your last entry

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Thank you all for the advise it is much appreciated

I am sorry PGH7447 i dont mean to sound a little thick, but you have confussed me a little with your last entry

 

hsbc/mcs should have sent you a letter of assignment and then the dca should have sent you a copy too

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Just print your name but remind them of the ICO's guidelines;

 

Data Protection Act Good Practice Notes:

 

2. Do you have enough information to be sure of the requester’s identity?

Often you will have no reason to doubt a person’s identity. For example, if a person with whom you have regular contact sends a letter from their known address it may be safe to assume that they are who they say they are.

 

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/checklist_for_handling_requests_for_personal_information.pdf

http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=8861&d=1242456802

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