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    • nothing you can do can product against the very rare judge lottery syndrome.
    • not sure why you added the blue line I've highlighted? that's no in the we gave you.   as for your question... PRAC's roboclaim computer knows when the account was taken out, after all it raised the claim and checked everything carefully first before issuing the request via northants bulk courts equally inept roboclaim computer... 
    • I've been researching in preparation of compiling my particularised defence/WS.    I'm none too happy that some judges still seem to be siding with DCAs and seemingly brushing aside anything that we have assumed to be "necessary" for DCAs to have a winning case.    Reading a recent "summary" from another poster (another thread with case similar to mine - very old, illegible application form, no default notice, reliance on their own software to prove it was ever sent) and the judgment made in favour of the DCA and even suggesting that there was no "agreement with the DCA, they simply owned the debt, not the agreement"  Makes me very nervous.    Especially if cases like this will be judged on "probability" - the probability that if I signed the original application form, then I must have taken out the credit card and racked up the alleged debt as shown in statements enclosed in their WS (and dated some ten years later).   Is it ok to post some "evidence" I've found from elsewhere?    This is in line with my fears that regardless of how hard one tries to rebut the "lack of evidence" produced by DCAs for chasing these very old "alleged" debts, it does appear to come down to the luck of what judge you get on the day and how much they can be swayed by the DCA solicitor.    A quick Google search produced the following - from one case - this related to a credit agreement - which resulted in someone being made bankrupt - that person appealed the bankruptcy order on the grounds of defective credit agreement and default notice and this was the appeal judge's decision:   The necessary formalities for the entry into the regulated consumer credit agreement (which related to the debt in issue) were not complied with; The default notice served in respect of that credit agreement was defective.   The First Ground The Appellant argued that she did not receive the terms and conditions when she entered into the credit agreement and, accordingly, section 61 of the Consumer Credit Act 1974 (“CCA”) had not been complied with and the agreement could not be enforced. The agreement had been entered in 1995 and, whilst it had provided a microfiche copy of the front page of the application, the Respondent had been unable to provide a copy of the terms.   Despite the terms not being produced, the District Judge had found that, in the circumstances, it was very likely that such terms existed and would have been provided to the Appellant when she entered into the Agreement. Mr Justice Mann held that this was a finding that the District Judge was entitled to make.   Further, Mr Justice Mann found that it was implicit from the District Judge’s findings that she considered that the terms and conditions not only existed but had been subscribed to by the Appellant’s signature and, consequently, the requirements of section 61 CCA were fulfilled. Mr Justice Mann held that this was also a justifiable finding which should not be interfered with on appeal.   The Second Ground The Appellant also argued that the default notice upon which the Respondent relied did not comply with the Consumer Credit (Enforcement, Default and Termination Notice) Regulations 1989 because it stated the full balance of the account rather than the total of the missed payments. The Respondent argued that, as a result of the missed payments, it was contractually entitled to the entire balance subject to the service of the appropriate notice, a requirement which was fulfilled by the default notice itself and, consequently, the sum required to remedy the breach was the entire amount.   Mr Justice Mann agreed with the Respondent and the District Judge, holding that: “If by the time the default notice is served circumstances have arisen which entitle the lender to recover not merely sums which might be regarded as arrears, by which I assume is meant accumulated minimum payments, but also the whole of the sum, then they are entitled to claim that sum, and the sum to require to remedy the breach for non-payment of that sum is the payment of the whole sum due. The bank is not confined, at that stage, to claiming merely the amount of arrears if it has an accrued contractual right to have the whole of the sum.”   Do judgments like these not mean that a lot of what you guys do on here (and for which I and many others are VERY grateful) somewhat redundant. What is happening to judges just accepting "well, the terms must have been there if you signed it" -    Feeling quite nervous now.
    • we know it wasn't done to avoid enforcement we understand completely. but that doesn't take from away the fact that it happened   you can't appeal the pcn's on the basis that 'it was not his vehicle to levy upon'. the law clearly states otherwise.          
    • here is a question for you, is yu house divided up into a retail/business area  and domestic area for business rates purposes? If not why on earth are you paying business water rates? ceertainly not for tax purposes as you can claim any legit expense without having to reclassify your home as a business premises. i would be stopping this nonsense and goping back to whatever water supplier is the domestic one for your area. there is stuff all they can do to get the £40 from you whan you do that.
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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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There was! It's all been deleted now though as it was incorrect.

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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?

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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.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Cheers, let me know if you need me to try and reformat the letter.

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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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