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    • OK, so Idem has sent back the quickest response in history following the CCA letter from my OH. An envelope arrived today.   They've sent another copy of the original and signed, application form  from 2000 - most  of which is illegible however, husband's name, address and signature is clear - the small writing is very blurry.  They've also sent numerous A4 pages of what they say is the agreement (it's photocopies of what look likes old pages). There's no signature on it. It's just pages of A4.    Does this help us at all??   Also, am I right in thinking that day claim arrived (4th Sept) + 33 days = Monday 7th October, which is when the defence needs to be in by?   Thanks as always.
    • Hello all,    I have received a letter from Advantis in regards to an overpayment of carers allowance I received when I got a job whilst I was caring for my mother. I did not know I had to inform them etc.    Long story short, I had a compliance phonecall with carers and nothing more was said.    I stopped caring for my mum shortly after and cancelled my carers allowance too.    I was employed for 4 months at the beginning of 2018.    Apparently the DWP and carers have sent letters but I haven't responded so they've gone through Advantis to recover the amount owed. I moved house shortly after cancelling everything and had no contact from them at all.    They sent letters to my previous address so they told me that's why it's been passed onto Advantis.    Today DWP told me that the only thing they can do is take payment in full, or deal with Advantis to come up with a payment plan.    I spoke to Advantis who asked me to pay in full or in two installments, I refused and they then said they've put my account on hold for 30 days whilst I go away and work out my monthly income etc so they can go through an affordability assessment to work out how much I can pay back and how often.      What shall I do? DWP tell me there's nothing they can do as it's been passed onto Advantis.    Advantis tell me they are working on behalf of the DWP... Nobody will tell me who owns the debt.     What shall I do?    Thank you all in advance for your amazing help.     
    • Hi, I have just received a pcn from Euro Car Parks saying that my car was in one of their car parks for 13 mins without making a payment. The reason being is that my husband was waiting for me, but where he thought I would only be 5 mins I was longer because of health issues and I had to take a rest. As if this wasn't enough, unbelievably I have just received ANOTHER notice saying I had not paid for a ticket on the 9th of September. I would like to mention the car park charges are so cheap, at £1:20 all day, it would be insane not to pay. We have used this car park only around 4 times and have always paid, excepting th time the car was waiting for 13mins. What a shock I have got receiving these notices. I wonder if I accidentally keyed in my registration incorrectly? Please can someone advise.
    • I also have a similar problem with Advantis for DWP overpayment of carers allowance. I've only just moved into my own house and they've sent a letter asking for my whereabouts and a business matter that needs my urgent attention. I have found out from the DWP and carers that I owe £1,131 and Advantis want me to go through an affordability assessment.    I am not sure who owns the debt, DWP or Advantis and where I stand with this 
    • I've just had this emailed from CarMoney. I'm so confused, I really don't know what I'm supposed to be doing and with whom. "Apologies for the delay in response. I have spoken to Oodle regarding the complaint and unfortunatly, they would require an independent report to be carried out on the vehicle. The burden of proof would lie with yourself.   I can certainly help by giving you the details of Scotia, who is the company that we use."   Everything I've read says that I did the right thing by exercising my rights under the CRA 2015 with the dealer. That was done within the six-months, so the burden of proof should be on the dealer still? Or am I completely wrong??
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Skelly1983

Default for already paid loan

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Hopefully a quick one to solve, my wife had a loan with LyodsTSB which has been fully paid back in 2007 under a payment plan but it is listed as defaulted this entire time since then, and they placed the record on the file twice so there is two identical loans on there?

 

My wife called LLoyds TSB and they have said that without a reference number there is nothing they can do and said they wont even look into the matter, my wife no longer has this ref number due to the time since it was paid in full.

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complain to the cra

 

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You could send the bank a SAR which should reveal the a/c number.

 

Also if there was any PPI or unfair charges added on to the a/c it wll give you the opportunity to reclaim them + Statutory interest. ;)

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Thanks, is there anyway of claiming compensation against them as this has a very bad effect on her credit file since it has defaulted twice per month for 5 years.

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If it was paid in 2007 it should be marked as settled although it would still remain on your credit file for six years from the default.

 

They are bound by the Data Protection Act to ensure that the data they are processing is correct, if it isn't you should make a complaint to the ICO. If the ICO upholds your complaint it then gives you ammunition to claim compensation.


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I will send a SAR get the account details, get this corrected by Llyods and then write off to ICO.

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Letter was received from DCA stating that this was fulfilled in 2007, Lloyds refuse to send any information unless we have there reference number to which we do not have as we had considered this to be sorted.

 

As this is a mistake made by Lloyds is there any form of compensation that can be claimed? as this has had a detrimental effect on my wife's credit and also both our lives as we have applied for mortgages in the past and refused due to her "poor credit score".

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Make a complaint to the ICO. A SAR does not need an a/c number as you are requesting the information they hold on you as a person not the a/c, although any a/cs you have had with them shoud be included.


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Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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