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    • Hi Dx, thank you for your input.   1. Yes, I have paid the agreed direct debit amount set up when the contract was entered until the point of cancellation.   2. Thank you for your suggestion, I have found their bank details and can now pay what I think I owe.   3. Quite simply if they take action and correct the billing then I think GNE do not seek to cause me unjustifiable loss.   If instead of correcting the billing they simply move to collect the unsubstantiated debt then they have made a false representation (the bills), dishonestly, knowing that the false representation might be untrue (based on the information they have already received as well as information provided by Ofgem and no doubt their own accounts) with intent to make a gain for themselves and to cause loss to myself.   In addition to the above the supplier occupies a position in which they are expected to safeguard, or not to act against, the financial interests of their customers. (I.e. provide accurate billing) by claiming the debt they have abused that position, dishonestly, intending by that abuse to make a gain/cause a loss.   With regards to the topic, this is a domestic account not a business account.
    • Proposes know to extend the scheme from 2021 to 2022.   https://tinyurl.com/y45h6ap5   URL takes you to Government website.     .....
    • so have you paid anything since nov 2019?   surely it should be quite easy to discover their bank details. then pay what you think you owe by bacs.   not sure where you acquaint fraud with the involvement of a dca to chase you.?   totally powerless and not bailiffs.    
    • you guessed correct  safe to ignore everyone.   def never use the phone ever to any DCA they are not bailiffs and have zero legal powers on any debt, no matter what it's type   dx  
    • The firm added just 2.2 million new subscribers after a surge of sign-ups earlier in the year. View the full article
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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LLoyds loan defaulted in 2006


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Had a loan with Lloyds defaulted in 2006. Earlier this year they sold the account to Wescot.

 

lloyds marked my CRFs as "settled." The default is still there, but settled.

 

Wescot have just filed the same debt (which they now own) as a default with the CRAs. The dates for both are the same (2006 default) but can they file 2 separate entries for the one debt?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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As the original file is settled and the new one

has the same date, you could request the

removal now of the original, although they

will probably consider that it is a true picture

of the account.

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right so it is possible to have two defaults filed for the same debt then. because that's what it is. 2 "Default" markers for the same debt, same start date, same default sum, same default date. Just 2 separate entries now. Great.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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It's no two defaults the original has been

settled by a debt purhase and so is settled

the ''new'' entry shows exactly the same details

It seems this is a ''change'' showing up more

recently though as there was usually an updating

of the files by a new owner, which often led to

2 enitirely different entries niether showing settled,

far more damaging than 1 settled and the '' new one''.

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ok, but does that mean the "settled" one - which still has a red "Default" blob on the payments history - stays on my file for 6 years afetr Arrow settled it or does it come off on the anniversary it defaulted?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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All default entries are removed on the anniversary of the

default date paid or not.#

Brig.

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Only the owner can register the original default date, if Lloyds have sold the debt then they have no right to process your data any longer. The purchaser of the debt becomes responsible for all CF entries.

 

I had a similar thing with Natwest and they removed the listing as soon as I made them aware of it.

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Sold or not the original creditor will

still be holding records for 6 years,

how else would we be getting information

by Subject Access Request??

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Retaining information for 6 years is required under law, this does not give companies the right to list your data with the CRA once the debt has been sold. This responsibility passes over to the purchaser of the debt.

 

As always SAR the original creditor and always double check that default date.

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I did not say it gives any right to the creditor

to process the data,only that it is retained.

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Retaining information for 6 years is required under law, this does not give companies the right to list your data with the CRA once the debt has been sold. This responsibility passes over to the purchaser of the debt.

 

As always SAR the original creditor and always double check that default date.

 

Hi m8. I already have the SAR and its defo the SAME debt. The DCA purchased it from Lloyds earlier in the year. On Equifax there are TWO entries - both with Defaults recorded for this same debt.

 

Interestingly, on Experian the Lloyds debt was simply changed to the name of the DCA, so just the one entry there. Equifax is the problem.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I had a similar thing with Natwest and they removed the listing as soon as I made them aware of it.

 

So you recommend a letter to Lloyds, as opposed to Equifax, pointing out the duplication?

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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that was the impression your post gave, more misinformation. Its becoming a recurring theme from you Brig.

 

If you bother to read the post properly I clearly said the oc will be holding records

not processing them, quite clear and explicit, for any one of even a low reading age

in my opinion.

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yes I sent a copy of the original default I had obtained under the SAR to both the bank (in your case Lloyds) and to the CRA.

 

Point out to them that you have multiple listings for the same debt.

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Hi, DS, you always need to contact the company

that plced the entry on the file, and copy in the cra and

place notice of dispute on the entry.

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there is also the delay on Equifax which cause you

to see the last report that you ordered which may

no longer be current so you do not see updates at

that point.

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ok cheers guys

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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