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    • Hello, on 9th of July 2018 I was issued a CCJ for 326£ for a non payment into my Natwest account - 6 month earlier I moved abroad and despite my better knowledge my direct debit with the phone company wasn't properly closed and the Natwest account went into arrears for that amount. As soon as I found out of that matter on 20th October 2018 I settled the amount in full with Moorcroft (the debt recovery agency instructed by Natwest to recover the amount).   When I returned to the UK I was shocked that my credit score was completely depleted - despited an otherwise good record - and that for the following 5 years I won't pretty much be able to access credit and other common financial products regardless of the fact the debt has been paid in full (and despite a stable high salary etc.).   When I contacted Moorcroft in January this year they said they can't do anything about it and the record will stay as is. They said the best they could do was to send me a letter (attached) that I can use as a confirmation that the CCJ was now settled. I was pretty sad and frustrated and shocked that a 300£ debt could put me into such distress (I literally cannot even get a monthly mobile phone plan) and despite having settled it I would carry such consequences for the next 5 years... so I archived the letter and tried to forget about it.   I recently checked my credit report and it states that the CCJ status is still active.   I would like to ask:  - is it really not possible to adjust the CCJ status ?  - are there any actions I can take to mitigate my situation ? - shouldn't at least Moorcroft have sent a more comprehensive letter stating that the CCJ was settled (instead of a generic 'payment received' with no indication of what and why) ?     Note: when I tried to contact Natwest in October 2018 they bounced mee across several departments but ultimately no-one could/would want to help as the account was permanently closed and passed onto debt recovery and they couldn't find much information about my records (apart from saying it's closed and Im no longer a customer of the bank and won't ever be able to be one again).   Thanks, V
    • I hope we can keep this thread for a discussion of SDs. If it descends into a slanging match then there probably isn't much point in having it.   HB
    • phew, just got an email from scmreferrals@justice.gov.uk.    I was worried that because the N180 was 5 days late, they would reject it.    There is still an new default on my credit file for the original amount + court costs. Surely Lowell shouldn't have submitted this yet?  
    • The solicitors have acknowledged my CPR request but have yet to provide anything, no response to my CCA request yet.   I would like to get a defence in before the end of this week, can anyone help me put together a defence?   Thanks
    • There were express terms of repayment of the capital plus interest over 60 monthly instalments.  However, you are saying the Default has no effect, so that when charged-off the interest did not have to be rescheduled?   P.S. It may be irrelevant, I don't know, but I can’t see an acceleration clause in the CCA allowing them  to ‘call in’ the entire amount of interest on the 5 year loan?  Copy of the Ts & Cs from my original CCA attached. Clause 2 (c) refers to interest being charged until settlement, but I’m not sure that is an acceleration clause.   If you have any thoughts on the above they would be greatly appreciated. 20191120102845876.pdf
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MichelleMaurice

Cancelled sky television a year ago... still being charged

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Hello everyone,

 

I need some guidance please with regards to Sky who, according to your forum, seem to be repeat offenders. I have been a sky customer for years. Last July I moved house. I told them that I would be cancelling television (because I purchased a freeview box) but keeping telephone and broadband. Upon moving, the engineer came around to set up telephone and broadband and I carried on with life.

 

Because these organisations force you to go paperless and pay by direct debit, I never checked my bills. A year on, and we have to move again sadly. So I called to have my telephone and broadband transferred to the new property. Sky then ask me if Id like to speak to the television team and get tele moved over as well. I laughed and said, 'thank you but I don't have tele with yourselves'.

 

Turns out I have been paying for it for a year at an additional £24.99 a month. (I know, I know... you're probably thinking wtf... how did you not notice? - I revert back to the paperless/ direct debit thing again). Anyhow, I have been going around in circles with them. They told me that I have it. I said, I don't. No engineer came around to do it and as far as I know, the previous property doesn't have Sky fitted; only Virgin.

 

I said I needed to close my account. They said I could but it would immediately archive my file and we wouldn't be able to review it again. So until this is resolved, I have to keep paying. They said, 'do I have prove that I cancelled'. I said well, you have the audio recordings that you record for training purposes. Apparently they can't access them.

 

I said you can have a look at my account and see there has been no activity for a year - they checked and said 'well we can see you haven't bought films but otherwise, we have no idea what you watch on tele' (that's laughable).

 

I said, I have my freeview box that shows I have been recording things since last Autumn. They asked me if I had a cancellation notice. I said' not as far as I am aware'. I did however find my email to say that broadband and telephone would be set up. (I haven't told them this yet).

 

I wanted your advice first. Surely this isn't right. I requested them to stop a service and they didn't do it. They have charging me ever since, and won't let me close the account. What rights do I have? How do I prove that I cancelled it? Any help would be amazing. I am so annoyed I am prepared to take them to Small Claims Court but I want to be well thought out about it. Thank you in advance, Kind regards Michelle

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Talking to them over the phone is absolutely pointless.

 

You need to get everything in writing, this way an adult who can actually read will have to deal with the matter, not some spotty teenager reading from a script.

 

Get it in writing first, demand they refund you all of the payments they have taken from you for the TV, along with interest at their rate (if they have one?)

And definitely drop them at the very first opportunity, vote with your feet and move to a reputable company who puts customers first.

 

They have 8 weeks from when you first made your complaint, you did tell them it was a complaint yes? If they have failed

to rectify the complaint to your satisfaction, then you need to escalate it beyond their control to Ofcom, where they are very much aware of this lot, they currently top the league

table of most complained about company, along with Virgin Bleadia with BT coming in on third position, your just a number and revenue to them, there is no customer care or focus with these lot nowadays..


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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If you took them to court, wouldn't you have to prove you didn't notice an extra £25 a month leaving your account? Have you sent a sar yet to discover what happened around the time you cancelled?

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If you took them to court, wouldn't you have to prove you didn't notice an extra £25 a month leaving your account?

 

No, and it wouldn't reach the court, they will refund well before then.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Spaces added.


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

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11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

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simple answer is to write to them an get them to prove a skybox of any description was connected

it wasn't and ofcourse that you even have a sky box!!

 

they cant

 

dx


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They don't "archive accounts" and you can cancel it without any issues regarding claiming for your refund.

 

As BB says put it in writing but I would also put it through the online contact form as well. (NOT online chat)


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Yes the web chat isn't very useful I've found, like pulling teeth.

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