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    • I recently bought some trainers from Sports Direct and was unhappy with them and their extortionate delivery and return postage charges. So I tweeted about being unhappy, and received a reply from someone claiming to be from Sports Direct asking me to send my order number and email address by pm, so a claim could be raised. Which I (stupidly) did. The account used Sports Direct's name and branding, and a blue tick.  The following day I received a call from "Sports Direct Customer Service", and with a Kenyan number. They asked for details of the issue, and then sent me an email with a request to install an app called Remitly. They provided me with a password to access the app. And then I saw that it had been setup for me to transfer £100, and I was asked to enter my credit card number so they could "refund" me. I told them I was uncomfortable with this (to say the least), and was just told to ring them back when I did feel comfortable doing it. Ain't never gonna happen.  I just checked my X account, and the account that sent the message asking for my details is gone. I feel like a complete idiot falling for what was a clear scam. But at least I realised before any real damage was done. So if you make a complaint about a company on social media, and you get a reply from someone claiming to be from that company and asking for personal details, tread very carefully. 
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    • i'd say put lowells to strict proof of where the payment came from. cant hurt to send SB letter, even if proved not. at least they get your correct address. they'd have to link the old IVA times scale to a payment  these IVA F&F pots (if thats where it came from) most mugs dont even know they are not only taking most of your payments on fees but also creaming money off to supposedly offer F&F's.  funny when the IVA fails or is complete these sums of money in F&F pots never get given back or even mentions... these IVA firm directors esp with regard to knightsbridge and creditfix were fined and struck off more times than Paul Burdell of Link Fame and still managed to continue to scam people.
    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
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Link Financial and MBNA Card debt


HP Mum
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because no one has posted on it for the last 3052 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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An update - 3 years later !!

I have had NO contact from mbna or Link since December 2010.

 

However - I have just checked my Experian Credit Report - and Link (mbna) have registered the alleged account in default.

Default date of end 2008.

 

I don't want to open a can of worms and get talking to Link again really - but I very importantly need to improve my Credit Report.

Who do I write to and how do I get the Link Default removed immediately from my Report ???

 

I did write to Link 3 years ago the following:

DataProtection Act, section 10.

Pleasenote you may also consider this letter as a statutory notice under section 10of the Data Protection Act to cease processing any data in relation to thisaccount with immediate effect. This means you must remove all informationregarding this account from your own internal records and from my records withany third parties and credit reference agencies.

Pleaseconfirm that you have complied with my request under section 10 of the DataProtection Act.

Clearly Link paid NO attention.

They can not collect on the debt, yet are ruining my credit rating by posting this on Experian. I have not checked any other Reports, but assume it is on others too.

Advice on how to handle this is greatly appreciated. Many thanks

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Will this do as a letter ?

And is there any action I can take when a dca is in breach of Section 10 ????

 

Dear Sirs,

Account no / Your ref

 

You are in possession of my previous correspondence dating back to 2010 - I gave you StatutoryNotice - under Section 10 of the Data Protection Act to cease processing any data in relation to the account named above with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any third parties and credit reference agencies.

 

You are currently in breach of this Notice. Please ensure that ALL information regarding this account is removed from ALL credit reference agencies and other third parties and from your own internal records, as requested.

Please the confirm that you have complied with my request undersection 10 of the Data Protection Act by return letter.

Yours,

xxx

 

Yours sincerely

Edited by HP Mum
typo
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Hi HP Mum,

 

There doesn't seem to be as many caggers around like there used and I guess some that were subbing to this thread three years ago have unsubscribed because there hasn't been any further postings from you. I'm still subbing to most of the original one's when I joined CAG and rarely get any notifications from them.

 

I came to the conclusion that eventually the DCA's just give up and move on to someone else who gives them less grief!

 

Then you get the odd one that comes out of the woodwork and chances their arm again. Is it coming close to being statute barred by any chance?

 

I'm not an expert on CRA's, however I think if the debt has been purchased in full from the original creditor, then the new owners do have the authority to continue updating the the agencies.

 

Maybe someone else will come along and advise differently or agree with me.

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  • 4 months later...

Afternoon

 

I am trying to tie up loose ends.

I have heard nothing from mbna or Link for years.

I never acknowledged the debt and I sincerely doubt it was enforceable or they would have taken me to court by now.

I sent Link/mbna a: S10 Notice To Cease Processing of Data

But they have still added this debt to my CRA file.

What can I do now ?

 

The default date was very end 2008 - so it will be statute barred end of 2014 (I think).

But I need a better CRA now.

If I write to them - what kind of strong letter/formal legal letter do I need to write to ensure they remove their details from my name.

Or do I just send another S10 ?

 

Any thoughts ?

Thanks

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  • 5 months later...

Hi john1975 - they are indeed !!!!

 

However, whilst you are on here - have you read up on the CPR process?

 

I was completely amazed at the wonderful advice I received on this site at a very fearful moment

- when a Notts Claim (on behalf of Halifax) had been issued to me.

 

The words CPR meant nothing to me then.

 

 

But 6 weeks later when the Claimant decided not to pursue the Claim I was super grateful some wonderful people

had held my hand thru the whole step by step process.

 

 

I may be 5 years out of date with some of the amendments but following this path certainly worked for me then and I hope it does for you.

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no we don't delete anything like that

its good info but sadly out of date

its on one of HP mums other threads.

 

 

jon you need to concerntrate on your claim.

 

 

CCa is the way to go

as its a LEGAL REQUIREMENT for them to reply

CPR can be totally ignored

 

 

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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theres never any direct link between the defaulted date and the SB date

whatever 'they write' cannot alter SB.

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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  • 1 year later...

I just thought I would update this thread.

 

 

mbna disappeared off my cra end 2014.

Neither a dca (Link) nor mbna have written since.

So whilst I didn't have to fight mbna in court, the account is SB now - So I guess it would be correct to say I won !!

:-)

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  • dx100uk changed the title to Link Financial and MBNA Card debt
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