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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • finaldj
      80k debt

      By finaldj · Posted

      I had to deal with these last year worst DCA I have ever dealt with. Just wait for the constant threats of CCJ and how you'll lose in court and how they won't do medication and they want the judge to question you with a load of "BIG" words to boot with the letter. My case was struck out in the end, stupidity on their part as I admitted to owing the debt in the end going through the court process was just a formality as they wouldn't let it drop despite me admitting the debt regardless. They didn't send the last part of the court paper work in so it ended up being struck out
    • FTMDave
      G24 anpr PCN - Double Dipping - Wigan Robin Retail Park

      By FTMDave · Posted

      Well, that's it then. Clear proof of the rubbish cameras. Clear proof of double dipping. G24 won't be getting a penny. Belt & braces, I would write to the address LFI has found, include the evidence of double dipping, and ask Fraser Group to call their dogs off.
    • RodeMan
      80k debt

      By RodeMan · Posted

      LOL. after sending Perch capital a CCA request with a stapled £1 PO attached (x2) Their lapdog Legal team TM Legal have sent me two letters today saying "due to a recent payment on the account, your account is open to legal/enforcement action" so i guess they have tried to apply that payment to the account to run the statue bar along. dirty tactics lol.
    • MANUKI12742
      Advise on debt I currently hold

      By MANUKI12742 · Posted

      I have initiated the breathing space so ill wait. from re reading everything this what i understand BS gives me 60 days break from the creditors during these 60 days they may contact me and will most likely default I need to wait until after a default notice to see whether the OC will keep the debt or sell it off If kept by the OC then i should attempt a plan or pay some token payment? If sold to DCA then don't pay and after 6 years it will leave my credit report once the DN is registered with a date. DCA may start a CCJ but unlikely, if they do come back here. last question, do you know roughly how long this will all take? in terms of defaults/default notice, potential CCJ? Would you say I have 12 months plus from when the BS ends?
    • FTMDave
      MET CCTV PNC - Starbucks closed- Southgate Park, Stansted CM24 1PY

      By FTMDave · Posted

      Well, it's up to you. Years & years & years ago the forum used to suggest appealing to POPLA, but then AFAIK POPLA's remit was changed and it became much more biased in favour of the PPCs. One of the problems with taking that route is that the onus will fall on you to prove your appeal, while if you do nothing the onus is on MET to start legal action which experience teaches they are very, very reluctant to do. If you go down the POPLA route I would think your ace would be insufficient signage.  Are you able to go back there and get photos of their rubbish, entrapping signs?

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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

How do I get wrong entry removed from my file?

Dot1

By Dot1
in Data Protection and Default Issues

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because no one has posted on it for the last 3403 days.

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Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

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Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

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Durkin

Durkin

Posted
Posted
Hi Richard,

 

My question in post 66 was referring to time scale for them to remove the wrong entry after they are informed.

Any idea?

 

Thanks

Dot

 

Yes, that's what I had understood, so within a month, ideally instantly. I don't bother with ICO. They're a waste of space in my experience.

 

Cheers,

 

Richard.

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Durkin

Durkin

Posted
Posted

 

No time frame given.

 

 

You could phone and ask about the time frame.

 

If they're taking too long, a gentle reminder that they'd have to pay your court costs might gee them along a little...

 

Richard.

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  • 3 weeks later...
Dot1

Dot1

Posted
  • Author
Posted

Update.

 

Had reply from the CRA .

 

 

It states that in order to be considered for actual financial loss as a direct result of their failure to update the judgment,

I need to provide documentary or supporting evidence which details the losses suffered.

 

Alternatively, they can consider it on a non-financial loss basis in recognition of not carrying out the amendment when instructed to do so.

 

For this they need some additional information of how this has affected me

so that they can make an assessment in line with the guidance of the Financial Ombudsman Service,

which is something FOS themselves would require if I wanted to take it up with them directly to arbitrate on my behalf, they said.

Not sure of how to respond and would very much appreciate any suggestion or guidance as to how to address the above issues. :???:

 

Thanks

 

Dot.

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citizenB

citizenB

Posted
Posted

I think you would just need to explain how this has affected you / your credit / your reputation and where necessary provide evidence of this.

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Durkin

Durkin

Posted
Posted

Hi Dot,

 

I'd definitely go for non-financial.

 

Use my case - Durkin v DSG & HFC where the Supreme Court agreed that £8K in 2006 for the mere injury to credit (no proof of loss required) was at least reasonable.

 

£8K 8 years ago will be more today but I'd keep the number under £10K.

 

Cheers,

 

Richard.

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Dot1

Dot1

Posted
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Posted
Hi Dot,

 

I'd definitely go for non-financial.

 

Use my case - Durkin v DSG & HFC where the Supreme Court agreed that £8K in 2006 for the mere injury to credit (no proof of loss required) was at least reasonable.

 

£8K 8 years ago will be more today but I'd keep the number under £10K.

 

Cheers,

 

Richard.

 

Hi Richard,

 

Thanks for checking on me again. I think that is the best option since with option 1 I have no proof. The letter which went out referred them to your case but I am surprise that even for non financial they are asking for prove as per their reply. Any suggestion as to how I should respond please.

 

Thank you for your continuous input. Much appreciated.

 

Dot

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Dot1

Dot1

Posted
  • Author
Posted
I think you would just need to explain how this has affected you / your credit / your reputation and where necessary provide evidence of this.

 

Hi citizen,

 

Sorry I missed your post. Ok, I will draft a letter and post it up on the forum for help.

 

Thanks.

Dot

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Durkin

Durkin

Posted
Posted

Hi Dot,

 

Something like this?

 

Dear CRA,

 

Durkin was awarded £8K in general damages, without proof of loss, for the mere injury to credit, in 2006. This was ratified in the Supreme Court earlier this year.

 

£8K 8 years ago would be equivalent to a higher sum today.

 

If £8K is good enough in the eyes of the Supreme Court, then it's good enough for me.

 

Yours Sincerely,

 

Dot

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Dot1

Dot1

Posted
  • Author
Posted

Can I use this letter to respond?

 

Thanks

 

 

Dear,

 

Thank you for your letter of 00/00/0000 which the content is duly noted. I refer you to my letter of 15/11/1014 where I requested for general damage in compensation as in the recent Supreme Court ruling in the case of Durkin v DSG & HFC, This was awarded for the injury to credit without any proof.

I am sure you will appreciate that the inaccurate Data you held on me for almost four years has made me not only missed on deals but in some cases missed credit facilities. In addition it has also caused me a lot of stress. I hope this addresses the issues you raised and look forward to hearing from you soon.

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Dot1

Dot1

Posted
  • Author
Posted
Hi Dot,

 

Something like this?

 

Dear CRA,

 

Durkin was awarded £8K in general damages, without proof of loss, for the mere injury to credit, in 2006. This was ratified in the Supreme Court earlier this year.

 

£8K 8 years ago would be equivalent to a higher sum today.

 

If £8K is good enough in the eyes of the Supreme Court, then it's good enough for me.

 

Yours Sincerely,

 

Dot

 

Hi Richard,

 

We posted at the same time. Thanks you for that I will send it to them then wait for their response and update accordingly.

 

Thanks

Dot

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slick132

slick132

Posted
Posted

Hi Dot,

 

I prefer Richard's letter as it is more succinct.

 

Phrases like, "I am sure you will appreciate ...." can be avoided. Keep it short and to-the-point and it looks more business-like.

 

:-)

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Dot1

Dot1

Posted
  • Author
Posted
Hi Dot,

 

I prefer Richard's letter as it is more succinct.

 

Phrases like, "I am sure you will appreciate ...." can be avoided. Keep it short and to-the-point and it looks more business-like.

 

:-)

 

Hi Slick,

 

Yes, I agree with you. I posted Richards version this afternoon and await their reply and will update.

Thanks

 

Dot

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Dot1

Dot1

Posted
  • Author
Posted

Just wondering, does it matter how long it takes one to realize and inform the CRA of wrong data entry when it comes to issue of compensation?

As for my case I did not notice untill after a few years. It will be interesting to have your views on this.

 

Thanks

Dot

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Durkin

Durkin

Posted
Posted (edited)

Hi Dot,

 

Kpohraror, which my case was based on, was screwed for just a day. The bank rectified the error within a day but were still required to pay the equivalent of £8K for damage to Kpohraror's creditworthiness.

 

In my case, I remain screwed until 2017 at least and possibly for life. £8K was awarded.

 

If you fail to notice within 6 years (possibly less in England), the law doesn't allow a claim although you can still press criminal charges if you've been the victim of fraud and/or extortion, as I have done.

 

Cheers,

 

Richard.

Edited by Durkin
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citizenB

citizenB

Posted
Posted
Hi Richard,

 

Thanks for clarifying that. I was a bit concerned as I though the CRA may take a view that I should have informed them earlier which I could not since I had not checked my credit file.

 

Thanks

Dot

 

I rather suspect that until something untoward happens, such as being refused credit or you start getting letters from DCAs when you know you haven't any outstanding debts, that a lot of people simply don't consider checking their credit files !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

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2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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slick132

slick132

Posted
Posted

Hi Dot,

 

If you acted within a reasonable time after you first became aware of the CRA data, you have nothing to worry about.

 

:-)

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Please give something if you can. We all give our time free of charge but the site has bills to pay.

 

Thanks !:-)

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Dot1

Dot1

Posted
  • Author
Posted
Hi Dot,

 

If you acted within a reasonable time after you first became aware of the CRA data, you have nothing to worry about.

 

:-)

 

Hi Slick,

 

I did inform them immediately after accessing my credit report. That was in September this year.

 

Thanks Dot

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Dot1

Dot1

Posted
  • Author
Posted
I rather suspect that until something untoward happens, such as being refused credit or you start getting letters from DCAs when you know you haven't any outstanding debts, that a lot of people simply don't consider checking their credit files !

 

Hi Citizen,

 

Thanks for the information. I suppose its just a matter of waiting for their response now which will then determine the next cause of action.

 

Thanks

 

Dot

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Guest

Guest

Posted
Posted

hi dot

as the guys have said, as had thought, there seems to be a sort of 'auto' award re damages re damage to creditworthiness (assuming liability), regardless of any 'proof'. anything above that requiring proof of damage.

keep us informed.

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