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    • Awesome. thanks for your very quick reply Dx! 
    • looks om to me  let andyotch check it over due by Friday 4pm.   any paperwork you hold , you keep to yourself! its for the fleecers to provide it all again now. but gives you something to compare their copy n paste too..   as for the assignment Hoist whatever is all the same DCA group, simply using diff names. nothing to do with cap1.  
    • a client is equally responsible for the actions of their dogs.    
    • Could someone review the defence I have prepared please?   please note I have got a copy of an old default notice from 2007, but have asked them to provide me with a copy, does this need to be taken into account on my defence statement? I don't have a copy of an assignment notice from Cap One to HPH2, just one from HPH2 to HFUH2L, but was HPH2 Cap One? If I have these 2 documents, but no original agreement can I still use this as a defence?    1. This claim is for the sum of £294 arising from the Defendants breach of a regulated consumer credit agreement referenced Under no XXXXX. 2. The defendant has failed to remedy the breach in accordance with a default notice issued pursuant to ss. 87(1) and 88 of the Consumer Credit Act 1974. 3. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd (EX CAPITAL ONE). 4. Written notice of the assignment has been given. 5. The Claimant claims 1. The sum of 294  2. Costs   Defence 1. The Defendant contends that the particulars of claim are vague and generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made.   2. Paragraph 1 is noted and it is accepted insofar that I have had financial dealings with Capital One Bank (Europe) Plc in the past, but I do not recollect the details nor am I aware of any outstanding balance that the claimant refers to and have therefore sought clarity from the claimant. On the 27th November 2019 (both sent by recorded delivery) I requested information pertaining to this claim by way of a CPR 31.14 request to Howard Cohen and Co. Solicitors and a Section 78 request to the Claimant Hoist Finance UK Holdings 2 Ltd to gain further details. Both have been signed for as received but the claimant has yet to comply.   3. Paragraph 2 is denied I am unaware of any service of a valid Default Notice pursuant to the consumer credit Act 1974   4. Paragraph 3 I am unaware of any alleged legal assignment or Notice of Assignment from the Claimant.   5. It is therefore denied the Defendant owing any monies to the Claimant, the Claimant must provide evidence of assignment/balance/breach requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant has entered into an agreement; and (b) show and evidence the nature of the breach and service of a valid default notice; (c) show how the Defendant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim;   6. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed.   7. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974.   8. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.   Thanks, Molly,  
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nobbyblobby

Experian - Duplicate address links / Anomalous address links / Impossible address links

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I have a tendency to get too involved in problems until they're solved. With that in mind, please tell me I'm being anal and to ignore it if you think I'm reading too much into this.

 

Long story short: I received my credit report from Experian and was shocked to see 84 linked addresses. Had a closer look, then tabulated the data (enclosed picture)and found I had 13 links to 7 addresses, but duplicated up to 7 times (so 8 copies of 1 link) and at least 3 times (so 4 copies). So I had a closer look. Take a look at the table enclosed.

 

- Each row has exactly the same date, but I've shortened it for privacy/ease of reading.

- A through G are 9 years worth of addresses (Mature student at the time).

- ? = no linked address, just an entry with one address.

- RED squares are my anomalies of primary concern.

- AMBER squares are a secondary anomaly that I think I can explain.

 

 

Does anyone know why there are so many duplications?

 

Second thing I noticed was that in almost every row, there is one link that has been ALTERED to include address D. How do I know they've been altered and weren't created like that? I began using Address D in July 2008. 5 of the links were created before that.

 

Can anyone explain? I've obviously asked Experian, but the more I correspond with them, the less I believe them. I'm waiting for their response (My letter posted today).

 

Lastly, the AMBER results, they appear to have been changed also. I have written in the last month to all of the companies responsible for those links and asked them to delete the links. Is it possible these are the result od this? i.e. They've been altered, but only 1 out of the duplicates has been altered?

 

Thanks in advance of any explanation at all!

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You can demand that these links are removed by writing to the data controller of each CRA displaying the links, this is done in the form of a NOTICE OF DISASSOCIATION>


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Cheers Brig!

 

Ok, what am I disassociating myself from?

 

Also, any idea what's happened?

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Cheers Brig!

 

Ok, what am I disassociating myself from?

 

Also, any idea what's happened?

 

You will be disassociating yourself from any address that you have never lived at.


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My guess is that there is a 'rogue' link that has got magnified by constant up date compounding onand on.


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Perhaps I've been unclear! I've lived at all of the addresses but 3 years after some links were created!

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Perhaps I've been unclear! I've lived at all of the addresses but 3 years after some links were created!

 

Ahh I see is there adverse data link to all these addresses?


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Then proceed as already advised!


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ok thanks. Is it normal to have 8 copies of one entry?

 

NO


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Ah cheers.

 

No problem this needs some thought!


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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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How do you mean? The altered entries are really confusing me! I've written a letter to Experian. It is worth it (or even possible) to call them?

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How do you mean? The altered entries are really confusing me! I've written a letter to Experian. It is worth it (or even possible) to call them?

Yes you can phone, but I have it is often difficult to get call centre operators to grasp what is needed.

What have you put in your letter?


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Erm, it's fairly in depth, but I'll edit out the details and paste it here later on. Might be after the Lions rugby though!

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Erm, it's fairly in depth, but I'll edit out the details and paste it here later on. Might be after the Lions rugby though!

Fine! It may give some insight as to how this has come about, and enable me to suggest a plan of action, all 3 main agencies may show the same data.


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They don't! Only Experian. I have all of my records from Experian, Equifax and Callcredit, plus N Hunter and CIFAS. Synectics should be here today (that's a story in itself, not for now). BTW, should I be SARing Experian Decision Analytics too?

 

My letter will be up in 5 mins or less.

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JODACOO

Address A

Address A

Postcode A

CustomerSupport Centre

PO Box 9000

Nottingham

NG80 7WP

10/06/2013

RE: Incorrect entries on my credit report

REF: XXXXXXXXXXXXX

Dear Sir,

As you cansee from the corrections taking place on my credit report and from my recentcorrespondence to Experian, I am in the process of clearing up my credit reportand having the errors removed. I am being hampered by over 100 duplicatedentries. I would be very grateful if Experian could delete the duplicates. Therecords are:

1. Duplicated Address Links

I am shockedand surprised to learn that I have 84 address links on my credit report. Oncloser inspection, however, it appears that I only have 13 address links to 7addresses, but duplicated several times. The entries that are duplicated arelisted in the table below:

Company

Date

Copies

Bank

2007

8 Copies

Phone Co.

2008

8 Copies

Bank

2009

8 Copies

EXPERIAN COMSUMER SERVICES

2011

4 Copies

Phone Co.

2011

7 Copies

Phone Co.

2005

8 Copies

Phone Co.

2006

8 Copies

Phone Co.

2007

8 Copies

Bank

2008

7 Copies

Bank

2010

3 Copies

Phone Co.

2010

7 Copies

Phone Co.

2010

4 Copies

Bank

2009

3 Copies

Please canyou delete them immediately? Even if these links are not viewed by potentiallenders searched my report, I must insist that they are deleted, as it ismaking my job of clearing up the numerous errors on my Experian report verydifficult.

2. Altered Address Links

One copy outof each of the following address links has been altered to include Address D. Iknow they were altered after they were created because I did not live at theaddress until after 5 of the links were created. Please can I have anexplanation as to how this has happened? It is impossible that, for example, Phone Co. couldhave linked me in 2005 to an address I did not know existed until 2008.

Company

Date

Bank

2007

B52

Address F to Address D

Phone Co.

2008

B53

Address D to Address A

Bank

2009

B41

Address D to Address A

Phone Co.

2011

B56

Address C to Address D

Phone Co.

2005

B57

Address G to Address D

Phone Co.

2006

B58

Address F to Address D

Phone Co.

2007

B59

Address E to Address D

Bank

2010

B62

Address C to Address D

Phone Co.

2010

B63

Address B to Address D

I mustinsist that these links are deleted immediately and that I receive an explanationof how this has happened.

3. Redundant Address Links

Thefollowing address links show only one address with minor alterations or do notlink to any address at all. Please can you delete them as they are making myjob my job of clearing up the numerous errors on my Experian report verydifficult.

Company

Date

Links

Bank

2009

Address C to no link

Bank

2008

Address A to no link

Phone Co.

2011

Address A to Address A

Bank

2008

Address D to Address D

Bank

2009

Address A to Address A

4. Accounts

Thefollowing accounts are duplicated accounts, identical to their originals.Please could these be deleted?

Company

Updated

Status

Balance

Credit account

2013

Satisfactory

973

Credit account

2012

Satisfactory

Settled

Credit account

2012

Satisfactory

Settled

Credit account

2008

Satisfactory

Settled

Credit account

2008

Satisfactory

Settled

Bank account

2010

Blank?

0

Phone Co.

2012

Satisfactory

Settled

Phone Co.

2013

Satisfactory

0

Credit account

2012

Satisfactory

Settled

LOWELL PORTFOLIO 1 LTD

2013

Default

16

Credit account

2008

Satisfactory

Settled

Credit account

2008

Satisfactory

Settled

Credit account

2008

Satisfactory

Settled

1. Searches

Thefollowing searches are duplicated searches, identical to their originals.Please could these be deleted?

P10

Credit Card Co.

Credit Card

2012

P51

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2013

P52

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

P54

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

P59

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2013

P61

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

P62

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

P63

Bank

Enquiry

2012

P64

Bank

Current Account

2012

P65

Credit Card Co.

Direct Mail Order Account

2012

P66

Bank

Current Account

2012

P67

Bank

Current Account

2012

P68

Credit Card Co.

Enquiry

2012

P69

Credit Card Co.

Direct Mail Order Account

2012

P70

Bank

Current Account

2012

P71

Credit Card Co.

Credit Card

2012

P72

Credit Card Co.

Credit Card

2012

P73

Dubious internet subprime car seller!

Hire Purchase/Conditional Sale

2012

P74

Insurance Co.

Quotation Insurance

2013

P75

Insurance Co.

Quotation Insurance

2013

P76

Credit Card Co.

Unrecorded Enquiry

2013

P77

Credit Card Co.

Unrecorded Enquiry

2013

P78

Experian

Identification: Generic Check

2013

P79

Bank

Unrecorded Enquiry

2013

P80

Bank

Unrecorded Enquiry

2013

P81

Bank

Identification: Generic Check

2013

P82

Bank

Unrecorded Enquiry

2013

P83

Bank

Unrecorded Enquiry

2013

P84

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2013

P85

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2013

P86

Bank

Unrecorded Enquiry

2012

P87

Bank

Unrecorded Enquiry

2012

P88

Bank

Unrecorded Enquiry

2012

P89

Bank

Identification: Generic Check

2012

P90

Betting Co.

Unrecorded Enquiry

2012

P91

Credit Card Co.

Unrecorded Enquiry

2012

P92

Bank

Unrecorded Enquiry

2012

P93

Bank

Unrecorded Enquiry

2012

P94

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

P95

Bank

Identification: Generic Check

2012

P96

Experian

Identification: Generic Check

2012

P97

Bank

Identification: Generic Check

2012

P98

Bank

Unrecorded Enquiry

2012

P99

Insurance Co.

Quotation Insurance

2012

P100

Insurance Co.

Quotation Insurance

2012

P101

Insurance Co.

Unrecorded Enquiry

2012

P102

Bank

Identification: Generic Check

2012

P103

Bank

Unrecorded Enquiry

2012

P104

Bank

Identification: Generic Check

2012

P105

Insurance Co.

Quotation Insurance

2012

P106

Insurance Co.

Quotation Insurance

2012

P107

Insurance Co.

Quotation Insurance

2012

P108

Experian

Credit Report

2013

P109

Experian

Credit Report

2013

P110

Experian

Credit Report

2013

P111

Experian

Credit Report

2012

P112

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2013

P113

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

P114

LOWELL PORTFOLIO 1 LTD

Unrecorded Enquiry

2012

YoursFaithfully

SuspiciousConsumer

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The formatting's gone to ratpoo but I think the essentials are there.

 

Haven't deleted Lowell because I've already announced to the world that I've had their default overturned. They have searched me a LOT of times and I gave them no permission - can they do this?

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You certainly can send a CRA a SAR, often the only result is ''we hold no more data than you see on your personal files'.


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:

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I've seen Experian Decision Analytics listed as a fraud prevention agency separate from Experian. Is this not the case?

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I've seen Experian Decision Analytics listed as a fraud prevention agency separate from Experian. Is this not the case?

 

Correct one of many parts of Experian.


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

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OK, this gets curiouser and curiouser.

 

The entries that were altered have been replaced with entries that don't link anywhere. Just one address and no 'linked to' entry. Weird. Then 3 others have been altered to include the same address as the other entries, address D if you will. Weirder.

 

Any ideas?

 

Plus The woman I spoke to at Experian said its normal to have 8 exact copies of one entry. Is this true? I'm not buying it!

Edited by nobbyblobby
typo

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