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    • hey i typed in dpd in our search...look what i found as the very 1st hit.......😇    
    • I see on November 8 I suggested that you read around all the stories especially the Hermes stories on the sub- forum. Yet you just have reported that you wrote them and suggested that you go to some kind of ADR. Why is that? Have you seen that mentioned in any of the stories on the sub- forum? What ADR did you have in mind? Do you think that such a scheme exists anywhere? We would love to know. If you want to move on with this then you need broadly to follow the advice here and that begins with reading all the stories and then taking the same path. Sorry to say but you've wasted three weeks. If you want to take control of this then you need to read the stories, take the suggested action. My site team colleague above has suggested the next step although that was clear from many stories which are already on this sub- forum
    • Update:  Apologies, it's a bit of a lengthy read.  I’ve been back and forward with Virgin Media after requesting a SAR using their online request form.    I didn’t wish to provide proof of my current address.  The SAR is in relation to my Virgin Media account at my previous address.   I don’t have any utility bills from my previous address so I sent alternative documents with my address in an attempt to prove my identity.  These were not accepted.  In addition, I’ve provided a copy of my driving licence with my old address details and am currently awaiting a response.   Time is ticking so after taking advice to support a mortgage application  in an attempt to improve my credit file I ended up phoning Virgin Media (recorded the call) .  The outcome of which was that I paid but this has not been positive for my credit file.    I spoke to an advisor and was asked if I wished to pay the £75.15.  I explained as per original post, said I didn't owe the outstanding amount etc.   I can enter details if it would be helpful.  I was told that it is not in their hands now, that I don’t owe virgin media, it’s been written off now.  Again, I was told that I don’t owe Virgin media anything.     I explained that my credit file went from 0 missed payments to a default of £75 after raising a complaint and that I received no information as to what the outstanding amount was for.  I stated that my post had been subject to re-direction with Royal Mail.  I re-iterated my complaint and what I wanted to resolve it.  I was advised that Virgin media don’t deal with that, so I asked if there was a department who does deal with that?   I was then transferred to the collection team where I explained everything again.  I was advised that the last bill was already generated on their system.  On reflection, I don’t understand how it was the last bill if they’re saying they did not receive confirmation that I cancelled.  I re-iterated through out the call that I was not aware of what the £75.15 outstanding charge was for, that it was different to my usual monthly bill and that my credit file was marked as up to date until I raised a complaint.  Then a default appeared and I don’t know what it’s for?   I was told that if I paid today that Virgin Media would remove the default.  They would accept payment today and it would be removed from my credit file.  I went back and forward re-iterating my issues.      I was told it  had already been through the process, it was final and so the money has to be settled. I was also advised that my account had gone through valid processes.  I said that there were issues with processing requiring an explanation as I’d not been advised of any charges and re-iterated the issues; credit file, DCA’s requesting differing amounts, correspondence, complaint responses, lack of compliant responses;cancellation, lack of response to 2 deadlock request letters.     The advisor then gave me her word that the default would be removed from my credit file if I was willing to pay today. She said I have her word. I asked for clarity that if I paid that she was stating that the default would be removed and not marked as satisfied.   She assured me it would be removed.    The advisor acknowledged there was still an open complaint.  I asked if she was saying the best she could offer me today to resolve my complaint was that I pay and the default be removed with no other explanation to the issues raised. She said she guaranteed that if I Pay 75.15. you have my word it will be removed when we receive payment.  They could not tell me what the bill was for nor provide a breakdown only that it had been generated.   I said it didn’t resolve my complaint, but I would pay based on what I’d been advised regarding my credit file.  I asked for the complaint be kept open as it was not yet resolved.  I asked for an email address for customer service, complaints, or the person dealing with my complaint.   I was told they don’t have a customer service e-mail address and that they are the complaints team as well.   Again, I stated the compliant was not resolved.    I asked how it could be resolved and  I requested an e-mail address/contact number for customer service/complaints/phone number.    She did offer for an advisor to call me back.    It’s been two weeks since I paid.  I remained on the phone while she said she was requesting the removal of the default.  However, the default remains outstanding on my credit file.  I didn't  receive a receipt as advised.  The money has been taken from my bank account. I have not received any correspondence either.   I'm awaiting the SAR still. 
    • Thank you. As there doesn't seem to be an address in their website, is the Companies House  address the correct place to send the letter of claim? https://find-and-update.company-information.service.gov.uk/company/01421773        
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Unlawful Default Notice Carphone Warehouse


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Hi recently looked at my Equifax Credit Report and see that Carphone Warehouse have registered a Default Notice against me for £22.00 in September 2005. I have never been issued witn a Default Notice.

I believe the alleged relates to a letter I received from Carphone Warehouse requesting I pay them £22.00 for breaching my contract with them.

I wrote to them stating I was not aware of any contract with them and the only business I had with them was that in 2003 I purchased a "Fresh" pay as you go sim card from one of their shops and used my visa card to top it up when required. I heard no more from them.

Should I send a SAR requesting all data they hold on me, what section of the Data Protection act should I use and what other action should I use to have the default removed.

Any asistance would be appreciated.

Many Thanks

 

Loring

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wite to the cra and demand they check their data as you have never entered into a contract with the defaulter.

their data must be accurate and varifiable.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Did you pay them? A SAR costs £10 - otherwise it will be ignored.

 

Secondly, they don;t have to send anyone a 'Default Notice' - they can place any of their customers 'in default' of an agreed arrangement and tell a CRA about it, but only if you agreed to it.

 

When 'Fresh' was introduces, it was SOLD as a hybrid product, you topped up like PAYG but signed up to onerous T&C's which, made the whole point of joining it pointless. Since all they needed to validate it was a credit card (which you gave them) you would have been deemed to have entered into the Fresh scheme and their terms of service.

 

Check these out to see what they are and how they may have affected your use of the service, and then use this information to challenge them. However lack of a default notice isn't relevant, as it is';t a CCA agreement.

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Thanks buzby

I sent them a chequi for £10.00 with the SAR.

Interesting I didnt realise it had terms and conditions.

Its such a time ago i cannot remember anything about terms and conditions, I was with fresh probably a couple of years and just don't know I could have owed them any monies as Fresh would not allow calls unless I was in credit. They always sent a text message telling me my credit was about to run out and I must top-up if I wanted to make calls.

Is there any way I can get hold of the terms and conditions that would have applied.

 

Loring

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The T&C will be dynamic - that is to say, the last clause in it will state they can modify the T&C's at their discretion and post the latest version on ther web site, so you are not locked in to a particular version.

 

The scheme has not been as popular as they'd hoped and it's T&C's now may be vastly different that the deal you agreed to - why not just check out the current CW website and see what they say about 'Fresh' - as you know, it isn't a REAL network, simply they resell minutes on one or other of the major neworks as an MVNO (Mobile Virtual Network Operator) in much the same way as Tesco, Virgin etc operate).

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  • 4 weeks later...

Hi Buzby

After more than a month writing to Carphone Warehouse and not receiving any responses they phoned me this and told me that they are in the process of removing the default notice from my credit file. They say it is all a mistake they have been aware since September 2005 that I was not in debt to them. Should I look for comoensation from them or should I complain to the Information Commissioner ofr someone else about this.

I feel they should not be allowed just to walk away from this and say it was a mistake, the default Notice has been on my file since September 2005.

They are wroting to me so I will wait to see how the letter is worded.

 

Loring

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That's good to hear. You may not get monetary compensation, but say you welcome their agtion (better late than never) but since the fautt was clearly theirs, would they consider making a contribution to your costs in resolving the matter? £25-£50 might do it! :)

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Hi Buzby

I got a letter yesterday from Carphone Warehouse and they have sent me a cheque for £30.00 as a goodwill jesture, have assurred me the default will be removed over the next 2 weeks. This one is now closed out and I will move on to another battle wth "Mint" to get another one removed.

Thanks everyone

Loring

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well done

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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