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    • Just to clear it up, sorry I don't make sense sometimes. I have paid £4000 £1200 of that was suppose to clear the £1200 debt.   Meaning I have sent a extra £2800 on top of my normal mainternance money.   Thank you
    • Try CPR 31.15 Possibly but a party is not compelled to disclose any documents pre allocation
    • Hi, I shown my key worker a letter that was sent to me saying that I owe £1200, she setup a standing order around 2021, this was to pay back money I owed, with my mental health status I have had complex issues to deal with and I just simply forgot about this standing order so it has been running for about 3.5 years acording to my key worker, anyway I'm not worried about the money that was sent that I call a overpayment, it went towards supporting my child's household so I am just happy with that, I am a little sad that I am being told I still owe this £1200, I have sent bank statements over 3 years worth but they have not taken away this £1200 bill and still say I owe it   Thank you
    • She did try contacting EON in the early days of the debt but they refused to speak to her because she could not pass the security checks. She didn't know the answers on an account she hadn't opened?   I also saw this article recently which could be what has happended here: Debt collection agencies in the UK are using fair means or foul to link people to an address where an unpaid debt has been run up, sometimes years after they have moved out The Guardian Anna Tims Mon 22 Apr 2024 The letter from the debt collection agency arrived out of the blue, and it was intimidating. It informed Joshua Simpson* that he owed £2,212 to Octopus Energy, and accused him of ignoring previous requests to settle the bill. If he did not stump up within 14 days, he was told, further action would be taken to recover the money. Simpson checked his Octopus account – it was in credit. Then he noticed the address where the debt had been accrued between 2022 and 2023. It was his childhood home – which his family had sold 18 years previously. "Since I was only 16 when we left the property, I was astonished that they'd linked my name [to it]," he says. "The debt collection agency insisted I provide a tenancy agreement to prove how long I've lived at my current address. I couldn't, since we bought our home. "They are now actively pursuing me for this debt, causing me a huge amount of stress. We are about to remortgage, and if this debt prevents us switching to a better deal, we will face real financial hardship." Simpson had been sucked into the shadowy world of "identity tracing", whereby investigators recruited by creditors seek to locate individuals who have moved home without paying their bills. It is an unregulated sector where anyone can set up as an agent in a back room without a licence, or scrutiny, and use fair means or foul to identify debtors. Reputable companies join a trade association that operates a code of practice, but membership is not mandatory, and mistakes are common. Last year, a teenage boy was chased for a debt of more than £900 by debt collectors acting for the energy company Ovo. A "trace agent" had somehow linked him to the debt because his parents had previously rented the property in question. An investigation by the Observer established that the debt had been run up by a subsequent tenant. The consequences of mistaken identity can be catastrophic. Individuals who are erroneously linked to a debt face, at worst, court action, bailiffs and a ruined credit rating. At best, they can endure weeks of stress and paperwork in order to prove they are not the debtor. It is estimated that 20m identity traces are made in the UK every year, many on behalf of companies that are owed money. Personal data is often obtained from credit reference agencies, which record applications for credit, and details are supposed to be verified with several different sources before being used for debt enforcement. In practice, however, this does not always happen. Simpson's details had been passed along a chain of intermediaries before the demand was issued. Octopus had given the unpaid account to a debt collection agent, which had contracted a tracing service, GBG, to find the debtor................ Full Article: https://www.theguardian.com/money/2023/oct/04/a-cry-for-help-energy-providers-play-the-villain-in-dramas-to-chill-the-blood ..............The Financial Ombudsman Service, which investigates complaints about financial firms, states that debt collection agents have to produce convincing evidence to link an individual to a debt, rather than rely on names, addresses and birth dates. According to the trade association, the Institute of Professional Investigators, an unknown number of investigators and trace agents are operating below the radar. Many more are merely inept, as data protection compliance training is not mandatory. "We have been campaigning for many, many years to try to get all private investigators regulated," says secretary general Glyn Evans.
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MBNA ABBEY can't find my agreement. Help

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I wrote to MBNA in November asking for my CCA for all my accounts with them. I received 2 agreements back but not the Abbey CC one which they have taken over. I wrote to them again in January and February as they were well outwith the time limit with no response. I hacve continued paying them in the meantime but today I received a letter saying that they were trying to obtain documentation from the other lender(abbey).

They have then said that I should continue paying them and quoted the judge from Mcguffick v RBS who apparently has said the lender can continue to demand payments even though the lender has not complied with the Act.


It is quite obvious that they do not have the agreement - what should I do? I was going to stop payments and see what they did as they have continued jacking up my interest rates even though I have never missed a payment to the point where it is becoming difficult to pay every month.


Why would they take on a load of accounts without the relevant paperwork in the first place?

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Hi There


I am in the same boat they still have not sent an agreement after 9 months , I did report them to the FSO and won regarding the interest rate jacking, have you done this yet? if not its worth dong as they usually back down and all the extortionate interest is returned to you which will keep your repayments lower. Hope this helps

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How did you do this? Can you please expand on your post as I have an Abbey and MBNA and they have hiked up the interest that much that I only pay about £5 each month off the capital!

They have, however, provided agreements. I am unsure as to whether these are enforceable or not though as I don't seem to be able to get my head round it and need to be sure before I do anything. No replies have really been forthcoming and I was quite disappointed as I was hoping to get help from other more experienced members on here. Would you mind having a look for me please and giving me your opinion as you obviously know what you are doing. Many thanks.

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I would be really interested if you have had any interest returned. I complained to MBNA about my other card and they have reduced my interest rate from 34% to 24% - still extortionate compared to what I took the card out on and disgusting behaviour from them considering I have never missed a payement in 14 years. Should I write to them and request a refund of interest or complain to FOS


They still can't find my Abbey agreement and keep sending me letters saying they are looking for it - delay tactics!

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