Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Thanks D.   This has got me all of a dither   I feel very naive,  I thought common sense would rule the day!  CST LAW.pdf Smart Parking Rejection.pdf POPLA_Rejection.pdf
    • yes I have used a pay as you go card and my bank card. I have to sent them my banks statements to show them?  And when you say "to show them some financial reason " you mean my part-time job salary?  
    • Okay, that will suffice as a letter of rejection – although I don't understand why you have to write pages and pages of everything instead of simply making the point that you need to make. The same with your claim form. It's a great shame that you haven't actually stated your your main cause of action on your claim form which is that you asserted your statutory right to reject and that the dealer breach their statutory duty by not accepting the rejection and refusing to refund. This is a glaring omission and at some point you have to remedy it. If you haven't actually claimed that then you haven't given the dealer an opportunity to defend on that particular point – and of course by not bringing it up now, in principle you are not asking the court to address that point. You should amend the claim. Once you sue on the basis that you have asserted your right to reject and that the dealer refuses to comply, then you have pretty well 100% chance of winning. However, you are not exploiting this because you have not raised this in your particulars of claim. Strictly speaking you should amend the claim and then the dealer should have a further right to put in a defence. Of course I may have missed it in your nine page particulars of claim so please will you confirm that you did not raise the issue of rejection in your claim form.
    • Thanks - I got this off ABTA website   If there are significant changes to the main characteristics of the holiday that mean a significant change to the holiday as whole you are entitled to an offer of an alternative holiday, or a refund of your holiday cost. ABTA cannot determine what is and isn’t a significant change to your particular package holiday, however a general overview of what might be a significant change is below:   a change of resort;  a change of accommodation to that of a lower category and/or price;  a change of flight time or delay of flight of more than 12 hours (in respect of a 14-day duration.  A change of flight time less than 12 hours may still be regarded as a significant change in respect of a lesser duration) or involving a reduction in time spent at the resort which is significant in relation to the length of the holiday;  a change of airport that's inconvenient to you.  If the holiday or trip can’t actually be provided due to closures and limitations, then you have a right to a refund.   On Jet 2 T & C's it does say a change of accommodation is a minor change,   however,  I think that is subjective as what is minor to one person is possible significant to another and to me it is significant that the hotel is closed.   They have not even said what they would offer me so I agree I don't think we should pay any balance until this is at least discussed.   There are only 2 other hotels in Punta Prima which offer all inclusive and both get poorer reviews that the one we booked.   I know this won't make a difference to Jet2, however one of them is also 1.5km from the beach! Our booked accommodation was actually on the beach.   I am so frustrated with Jet 2 and unsure where to turn now.
    • Well you need to show some financial reason for the temp lapse in reasoning..   And it would help to mention and send proof that since the event in January...you have used and purchased your own passes regularly so have learnt from your mistake   I would get this in today Time is tight to court case
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
       
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
       
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
       
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
       
      I’m so stressed,
      can u appeal this or should I just accept it?
       
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies
Deb T

dual citi/DCA entry on Credit File

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3670 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

Recommended Posts

Have been reading for weeks and weeks and weeks now, there is so much good material on this forum but wading through it my eyes are bleeding.

 

First question (one of many so please be patient)

 

Two entries on my credit file are for the same debt, one by the original lender or credit card company, the other by the person collecting the debt or maybe who have purchased it.

 

How does one have the file amended if indeed it is able to be amended?

 

Also, the debt agency or have bought it or are collecting it have added a good few thousand to the debt in what I can only assume is interest. Is this allowable?

 

Does anyone have any idea on this?


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

It really depends on what the entries are, if they are defaults only one default can be registered against a debt.

 

You should raise it with the credit reference agency, it's their responsibility to ensure the entries are correct.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

Share this post


Link to post
Share on other sites

Have no fear the CAG is here.

 

I am concerned about your bleeding eyes though;)

Share this post


Link to post
Share on other sites

I believe this is fairly normal. I had a default from a CC company, as soon as the DCA got hold of it they plonked another on it. The CRA forum has lots of this sort of stuff. IIRC some people have had them removed by sending in a robust letter but I think its the exception. Personally, I couldn't give a monkies ar5e because my file is shot to pieces.

Share this post


Link to post
Share on other sites

I have got 2 defaults for the same debtbut different amounts. The first one by the mobile phone company 3 for £132 then another this year by Lowell (who have purchased the debt) for £187. It looks to me like Lowell have added their own charges. I am currently disputing the entire debt but Lowell added the default in April when i stopped paying them.


:cool::cool: Blondmusic :cool::cool:

Share this post


Link to post
Share on other sites

I had a default on an aledged Citi card, then a default appeared for the same amount on a 1st Credit loan. I contacted the CRA and the citi default disapeared. I never took out a loan with 1st and never got a notice of assignement form citi, all i've had from citi is a letter telling me if i still had an account with them and i got something abroad i would still be covered.

Share this post


Link to post
Share on other sites

Did you get a termination notice and a notice of assignment from the original crediter. If yes the DCA cannot add interest as the agreement which allows interest has been terminated. If you didn't then the DCA still can't add interest as you don't have an agreement with the DCA. There are cases where interest is allowed but we need more info on what you've had by way of notices.

Share this post


Link to post
Share on other sites

Applied for credit file on their free trial...

 

Credit file is smashed.

 

Noticed a duplicate entry for the same debt, one from the original lender the other from the DCA.

 

Spoke to Experian who stated that they would write to both of them asking for clarification and that it typically takes 14 days to sort out.

 

21 days later and the entries have been updated on the credit file in the usual monthly fashion AND there are still two entries.

 

Spoke to Experian again who said that if nothing is heard from them (and todate nothing had been heard from them) then they would keep writing, however Experian cannot sort the duplicate stating that the lender and dca add to my file so it must come from them.

 

This sounds tupid to me, if my file is showing two records for the same debt and neither of them are responding to requests to sort it out then surely after an amount of time the entries should be deleted?

 

In any case, I will be sending off for a copy of my CCA to the people I pay the money for the debt to (the dca) and I'll take it from there.

 

Thing is, like another debt I'm just starting to try and sort out the dca have added interest to the account, the lender shows the default amount and reduced amount but the dca shows the default amount and considerably more has been added on (as in almost 3k for what I can only assume is interest)

 

In this case it is citi-financial the creditor...(although it was never with them but with another company, citi-financial took them over and I think citi-financial have changed since..not sure) and the dca is Hillesden who use a dca called DLC...


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

The CRA have a legal duty to find out who the debt belongs to. You can only have one entry for each account and it is their responsibility to ensure that the data is accurate.

Share this post


Link to post
Share on other sites

You'd like to think so wouldn't you...but thre weeks on and the file has received it's monthly update from both the creditor and the dca but experian stated that they would just keep writing to them but if nothing was heard they wouldn't be able to deal with it but would continue to request it dealt with.


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites
Experian cannot sort the duplicate stating that the lender and dca add to my file so it must come from them.

 

Experian also have a legal obligation to hold accurate data. If there is a possibility of data being inaccurate Experian can remove it.

 

You need to be firmer in your letters to Experian. Point out it is their responsibility to settle a dispute, as a CRA they should be fully aware you cannot have 2 live entries for one debt, give them 7 days to correct the information or remove it, state you will take the matter further naming Experian as an offender.

Share this post


Link to post
Share on other sites

If it is stalemate then it's one for the Information Commissioner. I would certainly tell Hillesden that you are making a formal complaint to the ICO about the duplicate entry - they have been taken to task about breaching the DPA 1998 before.

Share this post


Link to post
Share on other sites

What dept at Experian do I write to re the removal of an entry?

 

One assumes Credit Expert is actually Experian


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites
What dept at Experian do I write to re the removal of an entry?

 

One assumes Credit Expert is actually Experian

 

I think you are better phoning them to be honest, from previous experience. If they do not adhere to your complaint contact the ICO as pinky has stated:-

 

https://www.ico.gov.uk/Global/contact_us.aspx

Share this post


Link to post
Share on other sites
I think you are better phoning them to be honest, from previous experience. If they do not adhere to your complaint contact the ICO as pinky has stated:-

 

https://www.ico.gov.uk/Global/contact_us.aspx

 

Phoning does not show a record. Writing is much better. There are contact details on their website.

Share this post


Link to post
Share on other sites

Experian have always used a standard letter to me when I've queried inaccuracies that say along the line of "we've contacted the organisation who added the entry and they advise it's correct".

 

Funny how this has happened 3 times now for 3 different companies, yet Call Credit and Equifax both get no response from all 3 companies.

 

Smells of something brown to me.

Share this post


Link to post
Share on other sites
Experian have always used a standard letter to me when I've queried inaccuracies that say along the line of "we've contacted the organisation who added the entry and they advise it's correct".

 

Funny how this has happened 3 times now for 3 different companies, yet Call Credit and Equifax both get no response from all 3 companies.

 

Smells of something brown to me.

 

 

Oh the answer to that one is......Because we are a more respected company who dont get anything wrong.


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!!'.

Share this post


Link to post
Share on other sites
Phoning does not show a record. Writing is much better. There are contact details on their website.

 

 

Understandable writing is much better, however, a first point of call would be beneficial by phone in my opinion, then the OP can speak to the ICO instead of wasting time sending letters, left, right and centre, just my personal experience, which has worked;)

 

Regards.

Share this post


Link to post
Share on other sites

I've now done both, I sent a letter in requesting the info be removed and I spoke to a supervisor of the customer services who arranged a call back and who did call back and informed me they would write to the initial creditor with a view to updating and if nothing was heard they would write again but would also other options. The duplicate entry is easy enough to see so it shouldn't be a problem.


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

It may be beneficial also to take a screenshot of your report(via print screen) then if you have to contact the ICO, you can attach it to your email of complaint to them.;-)

 

Regards.

Share this post


Link to post
Share on other sites

I was asked for a copy of my report when I got in touch with the ICO about Wescott.

Share this post


Link to post
Share on other sites

I have indeed taken a copy of the entire selection both by printout and by way of a screenshot, was the first thing I did.

 

I have since had an email (my requested form of contact) for expert stating that they are looking in to it and would I like to add any comments to the file which if I do has to be made in writing.


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

Good stuff Deb T;)

Share this post


Link to post
Share on other sites

as in have recently sent out some CCA requests....

 

but who do I subject access is is DLC / Hillseden or Citifinancial? (the account was originall Peoples Bank but it change to Citi and then Citi-Financial...

 

Where is the definitive subject access letter here and what is the charge? £10? postal order?


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

ANyone?


I reside in Dawlish Warren but am not a rabbit.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...