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    • I understand that you may have suffered an injury and that you have memory problems. Obviously is not a good situation. However, you have to engage with this thread closely if you want to make headway. It is difficult for us to take an interest and then find that there is no contact for two months and then we have to start again refreshing our memories and being enthusiastic about supporting you. If your lack of contact is because of a memory problem then I think that you probably should make a note on a Post-it or something and put it in a prominent place so that you can remember to get back to us. It is very important for you – because you can be certain that the one people won't forget are Vodafone and eventually their debt collectors who will start to put pressure on you and start to make your life very uncomfortable indeed. I see that back in January I advise you to send Vodafone an SAR. Have you done this? It is an essential step. Also, as a matter of interest are you still with Vodafone? I'm afraid Vodafone are a very troublesome company. They are very inefficient – the only thing they seem to be really good about is about debt collection. There are extremely poor at dealing with problems when things go wrong. The one company we haven't had any complaints about so far is GifFGaff and they offer month by month no contract Sim cards. In effect they sent Sim cards out like confetti and no contract is ever started until the Sim card is actually activated in a telephone. This means that there can be no mistake and no commitment until you have actually made the choice to open your phone, put the card in and then to switch on the service. Even then, you are only bound for a month and then another month and then another month and another month – but you choose. As I say, we've had no complaints here. Have you sent Vodafone the SAR?
    • Dear New Tenant   L C S !st Floor West Wing Town Center House The MerrionCentre Woodhouse Lane Leeds LS2 8LY   02/03/2021   Our Case Ref xxxx Re Our Client E.On   Outstanding balance: £37.xx   FINAL NOTICE   We have been instructed to act on behalf of the above named client to recover the sum of the outstanding of £37.xx for dual fuel consumed at X Whatever Road, Sometown , Anyplace. Despite our previous communications and offer of help we have not received payment or valid reason for non payment for the outstanding balance.   Until you have cleared the outstanding balance, your details may continue to be shared with a credit reference agency.  Other lenders may see information about the way you pay our client and the amount you owe them which could affect your ability to obtain future credit.   In order to prevent any further action and potential inconvenience, we would urge you to pay the full sum immediately or alternatively contact our office on 03445439130 quoting Ref xxxx to discuss your options. Alternatively please email us at [email protected] quoting your reference.   Yours sincerely   Rebecca Carter For and on behalf of LCS   I suspect this is the kind of letter they send when they know they are stuffed?    
    • It already allows visitors to spend their quarantine on a golf course in an effort to boost tourism. View the full article
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
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Bad credit report, but not my fault.


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Hi please help; I have been a member of check my file for about 6 months, & my credit rating was pretty good up until a week ago.

From about 5 years ago, until last week sometime, my mortgage my loan & my 4 credit cards were all up to date & marked OK.

At the end of 2007 I moved abroad for 3 years, but kept my house here in the UK, leaving it empty, but returning a couple of times each year, to visit my grown up children & grandchildren.

 

The problem is one of my children opened up 3 mail order catalogues accounts at their address (not mine) while I was abroad, using my name, date of birth & details, but registered to their address.

 

I had no idea they had done this until last week. When 3 black default notices appeared on my credit report linked to their address, under my name. Where incidentally I have never lived.

 

These black marks on my record where first registered about 4 years ago, but have only just showed up being linked to my address last week.

I have read somewhere I need to get a crime number from the police to distance myself from these fraudulent credit applications/defaults. But obviously I cannot do that I would not & could not drop my daughter in trouble with the police. Despite her destroying my good credit record.

 

All three debts amount to about £1,000 which I could pay off provided I can track down the original mail order companies, If I got in touch & explained what has happened, I am guessing they would be happy to take my money & mark it satisfied or settled but I am guessing the black marks would remain on my record until they drop off in a couple of years.

 

Also I am guessing it won’t be long before debt collectors are banging on my door.

Any help or advice any of you can give me would be greatly appreciated.

Edited by citizenB
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Hi, difficult and delicate problem, ok what companies show on your credit files as the owners of these debts?

You should place notices of dispute on the CRA files BUT this should be done via the actual CRAs Experian,

Equifax and Call Credit, these agencies like CMF use ''2nd hand data'' imo unreliable at times.

 

As these debts are not listed on your own address you can state that you do not no ever have been resident at

the address shown on the accounts.

 

Other than paying the debts which will NOT get the CRA entries removed until the default expires as you

say is to report the fraud.

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Thank you Brigadier, the only one that that seems to be owned is by Cabot, which they have registered it here at my current address, but I know , it was at my daughters address not here at my home address, can i get this changed.

The other 2 are registered at her address but linked to my address.

What is cmf.

How do I state I have never been resident at these addresses, & how do I prove. it. years ago when they used to stamp your passport in & out of the country I may have been able to but not now, although I may be able to produce bills & bank statements for the time I was abroad proving I was not even in the UK but do I really want to give these parasites any more info about me.

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I can understand your feelings here, CMF = Check My File.

This needs some thought and consideration on the facts and the best way of dealing with this, currently I feel your daughter may have to take some responsibility for her actions, but please let me think on this for a while and I will try to find some way of dealing with it.

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Thank you Brigadier

 

Please let us know the out come.

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Hi Brigadier, Any more thoughts on removing these defaults, If i contact the CRA's & tell them I have never lived at the 2 addresses linked to me, would they just contact the police & tell them there had been a fraudulent application for credit.There by sending trouble to my daughters door.

One of the debts owned by cabot is registered to me in my name here at my home address, but from a letter my daughter has now given me was sent to her address in 2010, so I can prove this debt was not from here as cabot state on my credit report.

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My credit report links me to some of my old addresses one of which I moved from in 1999 can I ask them to remove it.& how many years after i moved should an old address link stay on my record.

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I think a first step is to get the credit reference agencies to disassociate your address from that of your daughter. To do this you need to write to each one stating that you have never lived at the associated address and the credit accounts are nothing to do with you. There is no need to tell them that your daughter lives at the other address or any other information. They may remove the association immediately or they may refuse but they would have to give a reason which might give us the next step. They will not contact the police.

 

You also need to state that the Cabot account registered to your address is nothing to do with you. The CRAs should then write to Cabot and ask them if the information is accurate, which of course they will say it is. Your options then are to write direct to Cabot asking for proof that the debt is yours and when they supply copies of the paperwork you can then point out that you have never lived at the address from which the account was opened and were in fact living abroad at the time. At this point they should remove the account from your records. It is remotely possible that Cabot will then go to the police to report a fraud, but really really really unlikely.

 

Remember at no time during this correspondence (and please do everything in writing and use a signature which you would instantly recognise if it was 'photoshopped' onto any documents, I put a line right through the middle of mine) should you volunteer any information which you could not know from what is on your credit file, i.e. you have never lived at the linked address and the accounts were not opened by you.

 

There is absolutely no point just paying the accounts since that will not remove the defaults.

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RMW

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Thank you reallymadwoman

My credit report links me to some of my old addresses one of which I moved from in 1999 can I also ask them to remove it.& how many years after i moved should an old address link stay on my record.

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Yes you can demand that the address is removed I would have expected it to have been gone in2005!

  • Confused 1

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Thank you Brigadier, the links to my old addresses & the links to my daughters house were onl put on there last week. but i will write to all the CRA/s & demand they be removed. many thanks.

PS Where would i find the links to the CRA's postal addresses, & should I post them recorded.

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Thank you Brigadier, the links to my old addresses & the links to my daughters house were onl put on there last week. but i will write to all the CRA/s & demand they be removed. many thanks.

PS Where would i find the links to the CRA's postal addresses, & should I post them recorded.

 

think the addresses are online, yes best sent recorded!

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  • 2 weeks later...

Hi please help; I have been a member of check my file for about 6 months, & my credit rating was pretty good up until a week ago.

From about 5 years ago, until last week sometime, my mortgage my loan & my 4 credit cards were all up to date & marked OK.

At the end of 2007 I moved abroad for 3 years, but kept my house here in the UK, leaving it empty, but returning a couple of times each year, to visit my grown up children & grandchildren.

 

The problem is one of my children opened up 3 mail order catalogues accounts at their address (not mine) while I was abroad, using my name, date of birth & details, but registered to their address.

 

I had no idea they had done this until last week. When 3 black default notices appeared on my credit report linked to their address, under my name. Where incidentally I have never lived.

 

These black marks on my record where first registered about 4 years ago, but have only just showed up being linked to my address last week.

I have read somewhere I need to get a crime number from the police to distance myself from these fraudulent credit applications/defaults. But obviously I cannot do that I would not & could not drop my daughter in trouble with the police. Despite her destroying my good credit record.

 

All three debts amount to about £1,000 which I could pay off provided I can track down the original mail order companies, If I got in touch & explained what has happened, I am guessing they would be happy to take my money & mark it satisfied or settled but I am guessing the black marks would remain on my record until they drop off in a couple of years.

 

Also I am guessing it won’t be long before debt collectors are banging on my door.

Any help or advice any of you can give me would be greatly appreciated.

 

I have just had a letter from Lowell portfolio, demanding £600 odd pounds. from one of the mail order catalog company's addressed to me at my home address, this is not my debt.

Should I write directly to them, telling them this is not my debt.

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Yes, tell them it's nothing to do with you. They 'should' then investigate, but probably won't. If/when they write again we can decide on the next step.

 

Don't worry about templates - best to use your own words and keep it simple. It wouldn't hurt to add a line that it has recently come to your attention that a number of accounts were opened in your name but from an address you've never lived at whilst you were actually living abroad. Remember not to volunteer any other information they don't already have and remember to use a distinctive signature.

RMW

"If you want my parking space, please take my disability" Common car park sign in France.

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A Notice of disassociation should be sent to the DATA CONTROLLERs of each CRA DCA or creditor.

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  • 3 months later...

I was the victim of a vicious assault in 2007 finally resulting in 3 operations to correct broken wrist and final operation was a full wrist joint replacement. I fell behind on creditor payments as I was only receiving Sick pay. Resulting in Defaulting on several Creditors. My case was settled in 2012 and even though I advised my Solicitor at the time they are refusing to look into this. With an acceptance of Liability from the defendant surely my credit file should be removed of all Adverse Credit during this time? Anybody got any advice.

 

(I'm already going to complain to the Law Council about my claim only being 50% completed)

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Very nasty indeed, but I can't see creditors removing the defaults because of this.

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Very nasty indeed, but I can't see creditors removing the defaults because of this.

 

No sadly, the creditors will have to record the actual payment history, if you have subsequently paid up the accounts they should mark them as settled, but any defaults will remain on your file for six years.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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The defendant cannot be liable for your credit file entries.

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

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  • 1 month later...

Hello again,

I have had a reply from Lowell portfolio, stating they have been in touch with Shop Direct, who have checked their records & confirmed that they have no record of any claims of fraud being raised with them previously.

Lowell portfolio also say in their letter. "There were also regular payments made towards the account via Maestro/Solo card throughout 2008".

The letter also says "due to the information provided shop direct will not be treating the account as fraudulent & you would remain liable for the full balance".

QUESTION. should I write to to either shop direct or Lowell portfolio or both. Asking for proof of these Maestro/solo card payments, Which would then show clearly that these payments were made not by me but buy my daughter who has a different name.

& from a different address. which as i have said before I have never lived at.

I am wondering if a letter directly to Shop direct telling the whole truth would help or just make things worse.

Thank you in advance of your help.

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Demand proof of payments, and could mention i.e. copy to FSA,

 

might freighten them into action?

Thank you MIKE770 Shoud I write to Lowell portfolio or Shop direct or both.

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If it was me Both!

 

as regards FSA just write that after signature, gives them the idea that you may have contacted FSA and the action requested be taken. if you have trouble from them the a complaint later to ICO may be in order, we shall see.

:mad2::-x:jaw::sad:
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