Lloyds debt SB'd since Oct 13 but Lowells have put defaults all over my credit file

[reallyrathercross]

No they are going around in circles with me against Capquest & Shop direct, they cannot see the truth when presented to them, because of the failure to see a bit of paper stating final response, not forth comimg

 

Clearly Lowells & Crapquest know that, which is why they're playing silly billies. I've heard the ICO are worse than useless, which I why I was asking. What are you thinking of doing next? A change of tactic might be needed here, but what that should be, I have no idea.

[Guest]

dont they have 6 weeks to come up with a proper acknowledged response when re a formal complaint.

if thats expired without a formal complaint response, and want to go to the ico, then state so in the ico complaint. ico shld then deal, or give them a nudge to do something?

otherwise, cld consider one more stern letter, thereafter formal action eg ico, letter before court.....?

 

ps, cld try an 'informal' enquiry with the ico, see what they say, mentioning has gone over 6/8 weeks without a proper response?

[Old Cogger]

ICO now say SAR shop direct then take it from there,

 

another area is full complaint to Capquest, they have to respond in certain time, if not regulators will look into it,

[reallyrathercross]

dont they have 6 weeks to come up with a proper acknowledged response when re a formal complaint.

if thats expired without a formal complaint response, and want to go to the ico, then state so in the ico complaint. ico shld then deal, or give them a nudge to do something?

otherwise, cld consider one more stern letter, thereafter formal action eg ico, letter before court.....?

 

ps, cld try an 'informal' enquiry with the ico, see what they say, mentioning has gone over 6/8 weeks without a proper response?

 

Sounds good, then I'll have more evidence to show ico that I've tried three times but they're refusing to sort it. I'll give that a go & update this in the new year. Thanks Ford.

[2Grumpy]

If there has been no response after 6 weeks, the FOS will ask for proof that the complaint was sent e.g. certificate of postage before they will lift a finger

[reallyrathercross]

If there has been no response after 6 weeks, the FOS will ask for proof that the complaint was sent e.g. certificate of postage before they will lift a finger

 

Thanks 2Grumpy It's been about that already since I first wrote to them and I have proof of posting for all the letters I've sent. I'll give the legal and compliance manager one last opportunity to sort it out ( I've sent her a letter this week) and then I will be going to fos, ico etc

[2Grumpy]

I would just start whatever you were planning to do

 

Don't expect too much from the ICO or FOS - they are tiny kitties with no claws, not the tigers that they should be

[reallyrathercross]

Well despite telling me all activity has been put on hold,

 

 

they've continued to place default markers on my credit file.

 

 

I'm fed up with this now,

 

 

is it time to send a letter before action and take them to court?

 

 

They've had enough opportunity to resolve this and

if the ICO/FOS aren't that great, is legal action at this stage the way to go?

[dx100uk]

so you sent lowlifes a copy of the old default notice

and a letter demanding the removal of the account as its more than 6yrs since the original default

[reallyrathercross]

so you sent lowlifes a copy of the old default notice

and a letter demanding the removal of the account as its more than 6yrs since the original default

 

I don't have a copy of the old default notice

[Guest]

I don't have a copy of the old default notice

 

no worries.

maybe all the better

[reallyrathercross]

no worries.

maybe all the better

 

I know what month/year it was but in any case, I'm not certain of what my next step should be? All suggestions gratefully received!

[dx100uk]

post 34?

 

 

dx

[reallyrathercross]

post 34?

 

 

dx

 

I don't have the old default notice any more, but they've had 6 letters telling them the account is statute barred and they need to remove all the markers they've put on. I've had the same letter 3 times from them saying they're 'investigating' and nothing else.

[dx100uk]

SB'd or not is no reason to remove accounts from a cra file.

 

 

you must have evidence that the DN was sent from documents from the OC?

 

 

send that

clearly stating

the debt has now been defaulted for more than 6yrs

should not be showing

 

 

dx

[reallyrathercross]

SB'd or not is no reason to remove accounts from a cra file.

 

 

you must have evidence that the DN was sent from documents from the OC?

 

 

send that

clearly stating

the debt has now been defaulted for more than 6yrs

should not be showing

 

 

dx

 

 

 

I've not had anything back from the OC in response to my statement of account request. I'll chase that up. Thanks.

[dx100uk]

you need the comms or account log

it will be noted by code in that

 

 

dx

[2Grumpy]

Don't expect a rapid response from the Llloyds DPA team. They took months to even acknowledge receipt of my request. There were gaps in it, they claim to have lost the list of deficiencies that I supplied & we are coming up to the first anniversary of my request - with stuff that I know about missing - never mind the stuff that I don't know about

[reallyrathercross]

Well, I've had a letter from Lowells today saying they will no longer be pursuing this debt and will remove all markers from my CRA file.

 

 

I'll give it a few weeks cos I know Noddle only update monthly, and see if Lowlifes stick to their word.

[dx100uk]

hey there you go

 

 

let us know w hen it happens

 

 

and keep that letter safe

 

 

in-case they sell it on.

 

 

dx