Jump to content


  • Tweets

  • Posts

    • That sounds promising.   If I were you I'd check my licence online to confirm that the points and conviction have disappeared.  That's re your insurance.   Keep an eye on the court date of 26 November.  If they accept you were out of the country you should be ok for the speeding, but you may still be open to a failure to identify prosecution - it depends why you didn't receive the original NIP.   You may be contacted by the police to say both charges have been dropped and that the earlier convictions have been cancelled.  I'd want this in writing.  Keep chasing them, but if you don't hear any more, I'd make sure I was at court on the 26th.  You don't want to be in convicted in your absence again because of some admin. cockup.  Make sure the failure to identify is dropped.   Make sure you have copies of all correspondence and a note of 'phone calls just in case your insurers have any queries about this - it's a very unusual situation.  (Whether you should be informing them about all this, I simply don't know.  You've been convicted but didn't know about it, and now it appears to have been erased.  I'm a very cautious belt and braces guy, so I'd ask on the insurance board what you should do.  Tell your insurers everything or keep quiet about it?  Getting it wrong could be expensive).    
    • Apologies if this has already been covered elsewhere but I haven't found a direct answer so here's my question.   Both my daughter and my partner have today each received a Letter of Claim from NPS. Both refer to 'incidents' in 2017 - my daughter's in March and my partner's in April. I remember these only vaguely but can't remember what (if any) action we took.   I remember my partner's more clearly because in their PCN where they claimed she'd overstayed (Cross Street, Long Eaton) there was something drastically wrong with their 'evidence'. I can't remember exactly but either their stated times contradicted or -and this is more likely from conversation today - they only provided one photo which was of her car leaving but nothing showing her entering the car park.   I have a feeling my daughter just chose to ignore hers, based on 'urban myth' from friends.   So anyway, today - more than two years on - both suddenly receive these letters from NPS with the usual rhetoric. I want to make sure these are both managed appropriately so I'm not sure what to do next and would appreciate any advice. I'm also particularly interested to read elsewhere on this forum that another case from said car park was rejected by POPLA in May 2017 due to insufficient signage and lack of planning permission for the relevant equipment:     This being the case, the same would have to apply to both our cases since this rejected case occurred just weeks after both of ours.   Not sure how much bearing this may have but I'm hopeful and your advice will be both very welcome and much appreciated.        
    • There will be no issues with a course offer if the dates are as you say. The usual cut off is four months from the date of the offence. This is so as to give the driver the time to accept the offer and take the course before prosecution becomes "timed out" at six months.   However, if the NIPs really were the first to be issued and there are no issues with the address details then both have a cast iron defence to the speeding allegation. The first is dated 20 days after the alleged offence and the second 23 days after the alleged offence. The Road Traffic Offenders' Act makes it quite clear that if a NIP is not served within 14 days of the alleged offence then no prosecution can take place. But as I said, late first NIPs are very rare and both need to check all the details I have mentioned before they decline any out of court offers of a course or Fixed Penalty.    For information, courses are normally offered for speeds up to (Limit +10% + 9mph). Only one course of any type can be taken in three years (with the date of the offences being used to calculate that period) and courses are not offered in Scotland. However, if a driver is not offered a course for any reason when he would normally qualify (including late NIPs) he has no right of appeal to have one offered. If the matter goes to court the court has no power to order a course.
    • My grievance against my manager is on Wednesday at 12.00 noon. A union officer is representing me. The representative for my manager is a product manager. I was told today that she is the Daughter or a Step-Daughter of the manager. Is this a conflict of interest? Am I correct in saying that, because the manager is the subject, the hearing has to be carried out by a person higher than the manager such as a director? if so, the product manager is not entitled to carry out the hearing. I'm pretty certain that I read this in law books. My Brother is a licensed union chairman but has since left his previous employment.  He is certain that I am correct . Any help would be gratefully appreciated.   diecastdave
    • Ok cool many thanks!  Much appreciated...I will check everything out now and answer all those questions!
  • Our picks

RugbyPete

Credit file being wrecked by Tesco yet they dont know who I am

style="text-align:center;"> Please note that this topic has not had any new posts for the last 2181 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

Tesco persistently report to my credit file an account' unpaid for 6+ monhts' Every single month! It doesnt default or anything, been there since 2003, it looks like an open account.

 

Ive asked them, they cant find me on the system. Ive told Experian to remove it they say its with Tesco customer service.

I asked Tesco for a credit agreement, they said I needed to provide more information as they cant find me (??)

I told the data controller to remove me, I got another letter saying I had to call customer service, which I did, but as Im not on their system they couldnt help me.

I went to the Financial Ombudsman, they said its been 12 months since my original complaint and so they cant help.

 

This is driving me insane! It looks like Im not paying something... that hasnt defaulted.. like an open account... 6 months or longer, every month it reports this and no-one can remove the entry!

Share this post


Link to post
Share on other sites

Did you have an account with them ?


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Share this post


Link to post
Share on other sites

i would send an email to tesco as well as a letter with a print of the file and state that if they do not remove there entry from your file then you will take them to the small claimes court without further notice, for every 30 days on the file charge them £1000 i bet that will make them shift it


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

Share this post


Link to post
Share on other sites

Is there an account number on the Credit file ?

 

Have you moved address since 2003 ? If you have defaulted on something, then there should be no reporting now as it is longer than 6 years !

 

Do NOT telephone anyone - write a letter headed OFFICIAL COMPLAINT to Tesco at their Head Office.

 

Pretty much bullet point what you have already said here - enclose a copy of the Credit file that has that particular record listed.

 

You want to know

 

Why they are reporting to your Credit File, especially as they say they have no record of you at all - you enclose proof that they are doing this.

 

If they cannot substantiate the reporting then they are to remove it immediately -

If you have moved since the reporting started - then you should provide them with that address as well.

 

It might be that you end up having to send a Subject Access Request, which will cost you £10.00 - this is a request for all data that Tesco have in connection with any financial dealings. If they still come back and say that they have no record of you - it would appear that they are incorrectly reporting and you should put in a claim for compensation - especially if you have suffered detrimental credit checks with this present, then you should think about a claim.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Where would I claim compensation? Also, I have a CCJ fromt he ex wife not paying a bill in my name so I doubt I could prove it was them soley affecting things

Share this post


Link to post
Share on other sites

You would claim compensation from Tesco - it would probably be quite low if isnt solely the Tesco issue that is trashing your record. However, you do need it removing if there is no debt or if the oriignal reporting date is older than 6 years.

 

If there was a debt - then it is almost likely to be statute barred and they wouldnt be able to pursue it .. well not in court, because of the statute of limitiations. But again - they should not still be reporting.

 

You need to find out if there is/was a debt. If there isnt then why are they reporting - if there is, when was the default date.


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

OK for claification please, You have never had a Tesco Account?

The reported account is in your name?

Is the address correct?

 

I can draft a letter for you if you wish???


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

OK for claification please, You have never had a Tesco Account? Not that Im aware

 

The reported account is in your name? Yes

 

Is the address correct? It is listed against my current address, as Ive since asked for a credit file.

 

I can draft a letter for you if you wish??? Sure! :)

Share this post


Link to post
Share on other sites

OK This goes to the Data Controller at Tesco Bank by recorded delivery, check that they receive it.

 

The Data Controller

Teco Bank

 

Ref:Formal Complaint: Alleged Account No.xxxxxxxxxx.

 

Sir,

 

I refer to the above mentioned account which Tesco claim I am resposible for, please take note I do not acknowledge any debt pr liability of any kund to Tesco Bank fot the following reasons.

 

1.I am not now nor ever have been a customer of Tecsco Bank or Its' predecessors.

2. I have never held and debit card or cheque book related to the alleged account.

3 I have never used and facilit, deposit, withdrawal or overdraft if any related to the alleged account.

 

Tesco Bank have failed to properly investigate this matter in the past and have continued to report this fraudulent account in my name to credit reference agencies

thus seriously affecting my ability to obtain credit I now demand that ALL references to this fraudulent account are removed from ALL credit reference files with immediate effect, a report will be made to the Information Commissioners Office regarding the serious damage Tesco Bank has caused to my credit worthiness.

 

I now consider that Tesco Bank should as stated remove all references to this account from my credit files, and seriously consider makeing a Substantial Offer of Redress for the stress and anxiety it has caused and the damage caused to my credit reputation, having given due consideration to this matter I believe redress in the amount of £1500.00 is appropriate, should Tesco Bank wish to dispute this matter further it MUST provide unequivocal proof that I have any liability for this account.

 

I trust that due to the time this has been contested that Tesco Bank will now make a speedy and sinsible decision on this matter, I beleive 14 days would be more than adequate.

 

OK!!


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

So i got my credit file - its been 'gone away' status for 7 years.

 

surely this is now statute barred and void?

Share this post


Link to post
Share on other sites

That's a GAIN entry you may have to challenge to get it removed,


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites
So i got my credit file - its been 'gone away' status for 7 years.

 

surely this is now statute barred and void?

 

Would certainly be statute barred (so long as you have neither paid anything or acknowledged any liability) and yes, I would have thought that it would have dropped off your file by now !


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

Is it just the GAIN entry that shows or an actual account.?


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

yep, just the GAIN. But i still say to tesco, i do not acknowledge it. Tesco cant find me yet the address is the one on my file (so how have i gone away) odd.

Share this post


Link to post
Share on other sites

You will need to write to the data controller at Tesco and request removal, you can place a dispute on the CRA files.

 

Have you checked all the CRAs as this will probably appear on them all.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

yep, on all :/

 

financial ombudsman actually got back to me and said i should send them my credit file - im wondering if i should or just persue by myself

 

I worte to the data controller - he ignored my letters :/

Share this post


Link to post
Share on other sites

Yes send it to FOS.

There used to be some instruction on CRA files about GAIN & CIFAS entries take a look.

Take it up with the DCAs of each CRA.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

Showing my ignorance, what is GAIN ?


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites
Showing my ignorance, what is GAIN ?

 

GAIN stands for the Gone Away Information Network. It is a trade organisation that shares details of customers who have had statements and other correspondence returned undelivered by the Post Office, marked ‘gone away’

 

:-)

 

 

Yes I did pilfer it from elsewhere :lol:


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites
:lol: Thanks ims .

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Share this post


Link to post
Share on other sites

ok, an update.

FOS called, said it was bad news. They sent me a secure letter online. Basically it said "Tesco have aproven they are not in breach of anything by showing the FOS a file at a previous address for the said amount. I have a credit account and owe an outstanding balance, moved house and so they could not update me. As i have taken 12 months to follow this up the FOS cannot help me further".

So, thats them out of the game. I want this removed,

 

I need to challenge it with them directly, it seems.

 

Should this be done via the usual "prove it via a credit agreement" method or Brigadier, your letter?

 

Can i request £1500 or will they laugh it off.. what is to be done when they ignore this letter?

Edited by Conniff
Link not relevent.

Share this post


Link to post
Share on other sites

Yes the letter in post 10# applies.

 

I would avoid the learnmoney suggestion just looking through them a couple of this jumped out:

1 Requesting a copy of a ''deed of assignment'' this is a commecialy sensitive document not for

public scrutiny unless ordered by a court.

2 Default notices are not normally archived as hard copy, a note is made on the debtors file tha a DN

was sent on a spevific date.


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

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Share this post


Link to post
Share on other sites

ok, ill send your letter now then.

 

I really need a mrtgage, and this kind of rubbish is playing havoc

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...