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    • there is a mssive difference between the posts, the first  letter on your lot here John is forma  company that was wound up by companieshouse in JAN 2016 so hd no authority to send you anything after this date   The newco wasnt formed then either . they were also IPC members whereas the newco are BPA   So my suggestion is you respond to the address indicated on the new demands (London address) and say simply Dear sirs, your claim relates to a dissolved company that wasnt trading at the time of the supposed cause for action and you have no agency in this matter so Oh flip off and when you get there Oh flip off some more. I'm sure that criminality wont be suffered kindly by the courts if you are stupid enough to continue with this fraud
    • Ok so here we go, amounts are vaguely rounded...I currently have an active contract with 3 that I have had for about 6 years, and have never had a contract with EE:   Name of the Claimant: Lowell Portfolio Ltd   Date of issue: 5th November 2019   Particulars of Claim: The Claim comprises the following Agreements the Defendant entered into: a) EE Limited with reference x and current balance of £100 b) Hutchison 3G UK Ltd with ref x and current balance of £150 c) Hutchison 3G UK Ltd with ref x and current balance of £750   What is the total value of the claim? £1200   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes, but I don't have the letter   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? I moved temporarily to multiple other addresses abroad and in the UK, then returned to the original address.   Did you inform the claimant of your change of address? No I have never spoken to, acknowledged or written to the claimant, but anyway I have kept my current address as my permanent address for most correspondence including for banking and phone contracts. Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? 3 (the number) mobile phone accounts (2 by 3 (the company))   When did you enter into the original agreement before or after April 2007 ? After (one I don't believe I ever entered into), all would have been between about 5 and 6 years ago   Do you recall how you entered into the agreement...On line /In branch/By post ? Online   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ? I'm not sure   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. All debt sold to Lowell Portfolio   Were you aware the account had been assigned – did you receive a Notice of Assignment? Yes (but I don't have it)   Did you receive a Default Notice from the original creditor? Not sure, likely yes (I was living abroad during the last 4 years )   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? Not sure, likely yes   Why did you cease payments? Financial reasons   What was the date of your last payment? Unknown, likely between 5 and 6 years ago   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? No    
    • right lets clear some things up. private parking and proof of parking. The y have used ANPR to capture some inages of the vehicle enteringa dn elaving the land but you sound like you are trying to attack this from teh wrong direction regarding proof. they wont drop the matter so you have to dig up the dirt trather than jsut say prove it to them   tell us the hire co was for starters, ther may be peopel who have experiance that can help ypu without saying anything to the parking co at all   name the palces and as you went there I hope that you had read a load of threads here and can supply us with a bettery of images to shwo us what you are on about. If you cnat then you will be going back there again, not only to show us but to appeal the tickets anyway so it wont be a wasted journey. lasty we would like you to try and sneak soem pictures of teh vahicle you hired to show any small differences with the ones in the parking pictures, ie different reg palte makers mark, things stuck to windows, colour of interior of vehicle etc. any small change will help you show that the plates have beeen cloned. YOU have to do the legwork, no-one else is interested until the time someone gets run over.
    • Dont really think that cuts it.. simply the above only covers your set aside reason.   put the you have evidence you informed the original creditor of your current address on xxx ..some xxx months/years before the ccj.   id also drop the embarrass ed defence bit at the end.   what defence are you offering that you dont owe the money? Simply saying the claimant might not have paperwork is immaterial. The ccj trumps that.  
    • ther thing we need to do is identify the land correctly, so state where exactly it was. If you mean the Tesco/aldi car park  then there is a sign at the entrance but that isnt an offer pf a parking contract with charges fro breaching it so maybe an invitation to teat at best. Cant tell who it is with though so not good for these bandits
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Credit account incorrectly on credit report

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I went to buy a used car from a dealership on Saturday on finance. On Monday I found out my application was rejected. I was very surprised about this as I was under the impression that I had good credit history. I decided to pay for my credit report through Equifax, and was very surprised to see an account with several late payments, showing in red, as 'very poor'. It turns out that this credit account is my mother's, and should never have been in my name. I have contacted the company who the credit was with and they have said that as it is in my name, and there is still outstanding debt, that nothing can be done. My mother has also contacted them to explain the situation. They have told me that until I pay the debt off that it will remain in red on my file, and then it will be settled. The debt is no longer with them but is with EOS. I am unable to pay the debt off as I don't have the money available, and as it isn't mine I shouldn't have to.


I really don't know what to do next. I really need to get this bad credit account removed from my credit history, but I'm obviously in a very difficult situation in that it is my mum who this debt belongs to. I'm 22 and this is going to really affect my life at this stage when I will be wanting to get a car, mortgage etc.


Does anyone have any advice on who I should contact and what I should do?



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Which DCA/creditor is this? Who ever it is is most certainly totally wrong they must investigate properly, place a notice of dispute on CRA file, you will need to check the others as they will have the same data.


Please give me the info address for EOS and I'll draft a letter for you.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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