Jump to content
  • Tweets

  • Posts

    • It definitely has to be 100% or they have pulled a fast one on you - even before the govt clarified on this I found advise to this end that it has to be pre-furlough pay.
    • I thought so, I managed to get hold of ACAS and have put in a claim.    thank you 
    • I assume your holidays run from March to April or something similar. As far as i know your holidays continue to accrue - covid or not, especially since you kept working they have no leg to stand on.
    • Thank you so much for the replies already!   Just to add to the original post , I no longer live at the address that they've send the letter to (have changed my address with DvLa) not sure if it makes a difference    For a windscreen ticket  1 The date of infringement? 11th February 2017   2 Have you yet appealed to the parking company yet? Yes. I dont have any evidence of it as it was from 3 years ago. I sent photos of the car park and my parking ticket . I still have the paid parking ticket    has there been a response? No.      have you received a Notice To Keeper? (NTK) [must be received by you between 29-56 days] I can't recall this. But I believe I may have    When I received debt collectors letters , I then sent the offer to pay letters and the PDA   5 Who is the parking company? One parking solution    6. where exactly [Carpark name and town] did you park? Vantage point , brighton  08-13-2020-11.24.33.pdf offer to pay - pcn.pdf pda.pdf
    • ok, bit more info i should have stated. The claim was started within the 6 years stat limitation. the hearing was after 6 years had expired and so was the strike out. It is now 8 years past default notice, and i have not heard anything since strike out for 1.5 years. surely another claim for the same terminated account is timebarred, even if they change the amount to a lesser amount.   the issue is the oc bank has written to me stating i am due a refund of wrongly taken charges and interest FROM 2011 and have applied the refund to the os balance, which is with the purchaser company who was struck out. The oc say they have informed the purchaser of the revised balance, which means the claim against me by the purchaser was for the wrong balance. surely this does not mean thy could use this balance for a new claim 8 years later? this smells like a trick.
  • Our picks

    • Curry’s cancelled my order but took the money anyway. Read more at https://www.consumeractiongroup.co.uk/topic/423055-curry%E2%80%99s-cancelled-my-order-but-took-the-money-anyway/
      • 11 replies
    • Father passed away - Ardent Credit Services (Vodafone) now claiming he owes money. Read more at https://www.consumeractiongroup.co.uk/topic/423040-father-passed-away-ardent-credit-services-vodafone-now-claiming-he-owes-money/
      • 9 replies
    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 6 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 
      • 16 replies
style="text-align:center;"> Please note that this topic has not had any new posts for the last 3681 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

Hi All,

 

A friend of mine has recently conducted a credit search and has turned up a default that he knows nothing about. I've put together a letter to send to the DCA (Marlin) and was just wondering if it's ok:

 

To Whom It May Concern,

 

A recent search of my credit file has turned up a default for £214 registered against my name by your company.

 

I would like to point out that I have no knowledge of any such debt being owed to your organisation.

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive and/or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I await your written confirmation that this matter is now closed and that the default will be removed from my credit record ASAP. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I look forward to your reply.

 

Cheers,

 

N

Share this post


Link to post
Share on other sites

they might have brought the debt [VERY probable] and the name will then change to theirs from the OC.

 

what is the other history on the debt showing?

 

how old is this default?

 

give us more info.


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Hi There

 

My apologies, I usually give more information :-(

 

There is no other history on my friend's credit record, just this default registered on 07/05/08 for £154 but with a current balance of £214.

 

As you can see I have very little to go on here!

 

 

Cheers,

 

N

Share this post


Link to post
Share on other sites

well a dca cannot add anything to a debt, so thats a start!

 

has the op got any previous cra printouts or can guess what it is?

 

there should be an account opening date on the CRA file too.

 

dx waves to the guests.........

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

Nope, he can't remember ever applying for a credit card, store account, etc; he's staunchly against credit cards, etc, all he has is his mortgage and a current account. Hence why he doesn't have a clue as to what this could possibly be!!!

 

As for the original account, this was opened in 1996 according to the CRA file and the "Date Last Delinquent" gives a day and a month but no year.

 

Just to give you a heads up, my intention was to issue a letter stating he has no prior knowledge of this account and does not acknowledge the debt and to send out a second letter requesting a copy of the original CCA. I'm just wondering if the letter I posted was suitable or if I needed to draft something else?

 

 

Cheers,

 

N

Share this post


Link to post
Share on other sites

1996 and a default was issued 05/2008!

 

now, what tallies that he has with those dates over that length of time?

 

they cannot just decide to default 'something' for no reason , a default has to be given within 3-6mts of the 'failure'

 

i think this is going to be a CCA job to the marlins

then an SAR to whoever turns out to be the OC.

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

This is the issue, he has no recollection of ever having had anything with a credit agreement over that period time. He has no paperwork relating to such an agreement.

 

I have a template CCA letter, is there anything I need to add/change since I have no reference numbers, account numbers, etc.

 

 

Cheers,

 

N

Share this post


Link to post
Share on other sites

it might not have been a credit agreement, this is what i an eluding too.

 

it could be

mobile phone

gas

electric

water

bskyb

 

cca'ing them is not the ans

p'haps SAR

 

is it hurting his ability to get credit?

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

No, it's not hurting his ability to get credit as he doesn't want it. He was just doing a check on his credit record and saw it and didn't know what to do about it.

 

An SAR does seem the best way to go; I'll get a letter drawn up today and sent out 1st class recorded!

 

As an aside, once we find out what the default is in relation to, what would be the best way to go about having it removed?

 

 

Cheers,

 

N

Share this post


Link to post
Share on other sites

its always a fight to get defaulrs removed

depends upon what debt is

 

the other thing is you could write just a plain letter to marlins demandig it be removed as you have no debt with them, then they might play their card and tell you what its about.

 

that will be cheaper that £10 .

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.

 

 

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...