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    • Hi Andyorch,   thanks for your response. I have gone through the CEO channel with multiple correspondence (letters) to no avail hence the choice to go to court. 
    • on a more positive note   "In his opening statement, Starmer said those who denied the problem of antisemitism should be “nowhere near” Labour. Questioned about Corbyn’s response, he said: “I’ll look carefully at what Jeremy Corbyn has said in full. “But I’ve said a moment ago, and I’ll say it again: those who deny there is a problem are part of the problem. Those who pretend it is exaggerated or factional are part of the problem.” In his statement, Starmer said the EHRC’s findings were “clear and stark”.   He said: “I found this report hard to read. And it is a day of shame for the Labour party. We have failed Jewish people, our members, our supporters, and the British public. “And so, on behalf of the Labour party, I am truly sorry for all the pain and grief that has been caused. To Jewish people, our Jewish members, our longstanding Jewish affiliate, JLM [the Jewish Labour Movement].”"     I'll bet we never see anything like a genuine apology from the Tories for the self serving abuses of the few at the top and their associates .... They can start with Dominic Cummings field trip before they get on to the reckless or deliberate miss-management of the Covid pandemic and the Uk's finances.
    • I had a letter last week from Global Arrow about a debt that I am not even sure that I owe. Today I received a letter from Resolve Call claiming to be acting on behalf of Global Arrow and threatening a doorstep visit. I am confused, who do I reply to, Resolve Call or Global Arrow? The thought of a doorstep visit terrifies me and I am concerned for  my son who could be here when they visit. Are there any template letters available? Any advice would be much appreciated. 
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    • I think it's outrageous and given that Jolyon is a successful barrister, I can only assume everything he says is accurate.   It's heartbreaking how much money has been squandered.
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Should there be two defaults on my credit file for the same debt?

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When I became ill a few years ago I ended up defaulting on a number of debts and stupidly stuck my head in the sand.


Lowell ended up buying a few of my debts and


the first I knew of it was when I was handed a stat demand in respect of one of the debts on my doorstep.

I have entered into a payment plan on that and the SD was cancelled.




One of the debts which was Barclaycard (not the above one) can not be enforced as there is no CCA and

the account was opened in 1999.


Lowell have admitted in writing that they do not hold the CCA,


Although Lowell purchased the debt there are two defaults in respect of it on my credit report

- one being Barclaycard and one being Lowell.

Surely having the same debt defaulted twice on my credit file is wrong?


There is however a note on my credit report next to the Barclaycard debt saying "Satisfied" in the balance column.


Furthermore, the amount reported is incorrect and Barclaycard admitted that the statements

don't tally to the balance they were collecting.


Having looked at this document from the ICO posted in another thread regarding defaults.

It states the Lender should have a credit agreement and the balance should be correct.




Is there anything I can do to have one or both of these defaults removed?

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Sometimes the file doesnt update right away and it shows 2 entries when its been sold instead of 1.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..



If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks


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as long as the default dates are the same

there should be no real harm to you.


though ideally it should not show twice.


as for the SD debt...I hope you've checked they have a CCA?


ever looked at penalty charges rexlaiming

and the same for PPI

on your debts?



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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same debt?




the ico guideance does not say they MUST have an enforceable agreement to mark your CRa file.



please don't hit Quote...just type we know what we said earlier..


DCA's view debtors as suckers, marks and mugs


NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..


If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 



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