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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • ch114275
      10 years of incorrect reporting to CRA's by EE

      By ch114275 · Posted

      Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
    • BankFodder
      Licensed breeder Puppy farm & genetically sick pups.

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      Open 
    • anotheruser0000
      Highview/DCB(L) ANPR PCN - Letter of Claim - Now Claimform - overstay - Riverside Retail Park in Norwich, Norfolk.

      By anotheruser0000 · Posted

      OMG! I Know! .... someone here with a chance to sue Highview for breach of GDPR with a very good chance of winning, I was excited reading it especially after all the work put in by site members and thinking he could hammer them for £££'s and then, the OP disappeared half way through. Although you never know the reason so all I can say is I hope the OP is alive and well regardless. I'd relish the chance to do them for that if they breached my GDPR.
    • NewsBot
      Netflix to stop reporting subscriber numbers from next year

      By NewsBot · Posted

      The streaming giant also said it added 9.3 million subscribers in the first three months of the year.View the full article
    • dx100uk
      Highview/DCB(L) ANPR PCN Claimform - Catford Island Retail Park London SE6

      By dx100uk · Posted

      i wonder what happened? dx  

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Default notice received

shinobi101

By shinobi101
in Debt Collection Agencies

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shinobi101

shinobi101

Posted
Posted

I received a default notice from Barclays today (11th Nov) with a cut-off date of 23rd Nov. That gives me 12 days. The problem is it is dated 5th Nov, so it looks valid but having only received it today it is not. I have kept it in the envelope and written the delivery date on it.

 

The question is what do I do now?

 

I've been thorugh the faulty DN issue with Amex, but the fault there was evident in the notice itself. This time I'm relying on the actual delivery date but not sure how to prove this.

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cerberusalert

cerberusalert

Posted
Posted

It's defective then, all you need now is the Notice of Termination, then not only would they have unlawfully rescinded the agreement but they will only be entitled to the arrears and if they place a default on your credit file you can claim for damages. The best thing to do now is keep quiet about the DN & don't let them know otherwise they can rectify their mistake by issuing another.

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hungrybear

hungrybear

Posted
Posted
There is no postmark or date. The envelope says Advanced Mail, First Class, AAAE-LRXK-TEHY.

 

There is some kind of code stamped on the envelope. Loads of dots that look a bit like a bar code.

 

 

then it would be nice if you had a witness was with you when the letter arrived who can swear that it arrived today

 

belt and braces rodney, belt and braces:-D

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cerberusalert

cerberusalert

Posted
Posted
then it would be nice if you had a witness was with you when the letter arrived who can swear that it arrived today

 

belt and braces rodney, belt and braces:-D

 

Doesn't matter, even if it was hand delivered by the 1st Battalion Coldstream Guards complete with band it would still be two days short. :D

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hungrybear

hungrybear

Posted
Posted
Doesn't matter, even if it was hand delivered by the 1st Battalion Coldstream Guards complete with band it would still be two days short. :D

 

Depends how flat the wicket is doesn't it?

Can they not use the interpretations act 1978 to say that posted on the 5th = served 2 days later by first class post? which would make it just inside the time limit I think (7th or 9th, never was that good at adding to working days)

 

that would be my worry

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shinobi101

shinobi101

Posted
  • Author
Posted

My main worry is about having to prove when it was received. If it ends up being my word against theirs, I could see a dodgy judge ruling against me.

 

On a positive note, if they only get the amount on the DN, I could probably pay it within a year.

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hungrybear

hungrybear

Posted
Posted
There is no postmark or date. The envelope says Advanced Mail, First Class, AAAE-LRXK-TEHY.

 

There is some kind of code stamped on the envelope. Loads of dots that look a bit like a bar code.

 

 

Misread this bit before. THIS IS NOT ROYAL MAIL FIRST CLASS. I think you'll find this is UK Mail and their service is second class because they say it is a three day service. So, cerberusalert is right. It does not matter, the DN is defective as it only gives 12 days - just make sure you keep the envelope

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shinobi101

shinobi101

Posted
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It was dated the 5th so it wouldn't have been posted until Fri 6th which IIRC was when the PO were on strike so it wouldn't have gotten into the system before Mon 9th add 3 days postage then the 14 days required to remedy = 26th.

 

Thank you. That's a brilliant piece of info. I bet the banks never thought to allow for things like this.:)

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cashins

cashins

Posted
Posted

Thank you. That's a brilliant piece of info. I bet the banks never thought to allow for things like this.:-)

 

Errr... with the banking industries recent history, it seems they didn't allow for running out of money either.

 

David

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