Jump to content


  • Tweets

  • Posts

    • I see the poops are still trying to deflect from their own criminality and and abuses by whinging on about raynors buying her council house - now about election registration - anyone who owns a flat or house understands that you dont give up your and your childrens home just because of a new relationship and while we are on about that ..   lets start with When is jenrick being revisited for both lockdown abuses and self admitted (claims estate is his main home - not the property in his electorate or his london property) 'possible (lol) electoral registration abuses as he claimed he was at his estate 'main home' away from both London and his electoral 'home'  - much of which paid for by the taxpayer     Cabinet Minister Robert Jenrick 'breaks lockdown rules twice' by going to 'second home' - Mirror Online WWW.MIRROR.CO.UK Key Cabinet Minister Robert Jenrick drove 150 miles to his 'second home' after urging the nation to remain in their homes in a bid to...   ... perhaps follow with more self admitted lobbying while in a potion where they shouldn't “A few of us in parliament have lobbied the government – and with the help of the Treasury select committee, the chancellor has listened,” John Baron wrote.   Tory MP faces lobbying questions over Treasury committee role | Investing | The Guardian WWW.THEGUARDIAN.COM Co-owner of investment management firm called for ‘urgent’ post-Brexit changes to City rules at committee meetings     About time labour got in the game and started pressing for these self admitted/bragged Tory abuses were properly investigates.
    • No I didn't I got the dates mixed up.   
    • Sorry about that, TJ. The person who posted it specifically said it was free access. Here's another version of the FT article. https://archive.is/KYrPa
    • Isnt there some indication in there of at least intent to inform arbuthnot? IF he wasn't then it would seem to be Vennells decision to keep him 'uninformed .. Although seems to me if arbuthnot was unaware - he was either incompetent or should have very detailed records of denials. Seems vennells is constantly at the core of all the lying about all these issues though.
    • Paywalled/subscribe HB I'm unaware of the details on this HB but why is it a potential taxpayer burden? Hasn't a judge already ruled port has rights of access - so shouldn't costs be on the private company (South Tees Development Corporation) trying to change established access?     LIVE: High Court updates as CEO gives evidence in access rights row between STDC and PD Ports - Teesside Live WWW.GAZETTELIVE.CO.UK The face-off between the Teesport operator and Mayor Ben Houchen's South Tees Development Corporation continues in the High Court  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Does registering with Noddle give out my address to debt collectors??


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2708 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

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

 

Thanks

Recommended Posts

I have noticed that since I signed up with Noddle to look at my credit file a while ago ever since then I have been receiving letters from debts/arrears going back as far as 8 years from old addresses to my new address, some of these debts I have no recollection of at all. This has only been happening since I signed up with Noddle and put my current address and details in the signing up process. I noticed that this is also mandatory on the Noddle site otherwise you can't sign up.

 

Does registering with this site with my current address make it easier for debt enforcers to 'track you down' or what? If not how come all these letters from old water rates, rent arrears, mail order catalogues etc are only appearing now since I signed up but they haven't arrived for years before that?

 

Some of these I don't even recognize, for instance there is a 600 odd quid bill from a debt collector for Marshall Ward come through and I've never even used Marshall Ward before.

Link to post
Share on other sites

DCA's will use any means to track you. SO the answer is yes. However, how old are all these debts they are chasing you for, because in general, if 6 years have elapsed and no payment or written acknowledgement from you, then they cant do anything.

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

:D

Link to post
Share on other sites

Can you post up a list of your debts, with as much info as possible for each, such as dates, original creditor, current owner of the debt, as well as when you last made payment etc.

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

:D

Link to post
Share on other sites

This has been discussed many times previously with no firm consensus however, it is (and always) been my opinion that tracing agents have contracts with Credit reference agencies to alert them when a name corresponds with someone they are trying to find.

 

If any of the debts being chased for are not on your credit file this may indicate that they are over the 6 year rule. (this is not foolproof)

 

It may also be that you have the same name as a debtor with the same name re; Marshall Ward.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

Link to post
Share on other sites

I to have had very old debts, i am talking 1998 raise their ugly heads from a selection of DCA.

 

 

This only started after i subscribed to Noddle. That includes Motormouth finance who had been quiet suddenly raise their head again with spam emails

 

It is obvious the credit agencies offer a service where they put a watch on peoples credit files, as soon as any activity happens such as a request for the report it automatically tips off the subscriber DCA

Link to post
Share on other sites

All 3 CRAs offer alert services to creditors and debt collectors that will automatically notify them of newly recorded contact details and addresses. One major source of these is indeed the updated details you give when you request a credit report.

 

It's not a secret or rocket science.

Link to post
Share on other sites

All 3 CRAs offer alert services to creditors and debt collectors that will automatically notify them of newly recorded contact details and addresses. One major source of these is indeed the updated details you give when you request a credit report.

 

It's not a secret or rocket science.

 

So why are people who are having issues with debts often forwarded to these sites and told to sign up for them as a way of helping them? Every time I look something up online in relation to debts the advice given to them is to have a look at their credit file online, but if these CRA pass the contact details onto to the debt collectors isn't that making it worse for the person with debt because they are going to get an avalanche of letters from other old debts resurfacing that they had forgotten about or simply ignored?

Link to post
Share on other sites

Can you post up a list of your debts, with as much info as possible for each, such as dates, original creditor, current owner of the debt, as well as when you last made payment etc.

 

Yeah, I don't have the letters in front of me but off the top of my head

 

Rent arrears from an housing association property: I already made a thread about that one here http://www.consumeractiongroup.co.uk/forum/showthread.php?448509-Housing-Association-rent-arrears-from-4-years-ago that's from 4 going on 5 years ago for nearly £600. I have had letters from Lowells, capquest, and Newman for this one so not sure who it belongs to.

 

British Gas for gas services at a previous property £325 from 2 years ago, the letter is directly from British Gas.

 

Marshall Ward catalogue £619, letter from Lowell financial with no dates or anything on there or any account numbers or anything, just stating I owe them that. I've never had Marshall Ward before or ever opened an account with them. My partner has but that's a different name altogether from 2007 when we weren't even living together.

 

Water rates/services from 2007 Seven Trent Water, this is bizarre because it's in relation to a property that my parent was the tenant of from when I was living at home, so no idea why it's addressed to me other than we have the same surname.

 

There are some others as well I'll post them up when I dig out the letters. None of these at all show on my credit file though, the only thing on my credit file is an overdraft chased by Natwest from 2010, other than that there is nothing on the credit file. I have never made any payments on any of the above as far as I know.

Link to post
Share on other sites

So why are people who are having issues with debts often forwarded to these sites and told to sign up for them as a way of helping them? Every time I look something up online in relation to debts the advice given to them is to have a look at their credit file online, but if these CRA pass the contact details onto to the debt collectors isn't that making it worse for the person with debt because they are going to get an avalanche of letters from other old debts resurfacing that they had forgotten about or simply ignored?

 

Because advice, even online, is rarely given without an underlying agenda or ethos behind it.

 

In many cases that agenda/ethos is that if you owe money to debt collectors you deserve what you get, and should pay them without quibbling.

Link to post
Share on other sites

So why are people who are having issues with debts often forwarded to these sites and told to sign up for them as a way of helping them? Every time I look something up online in relation to debts the advice given to them is to have a look at their credit file online, but if these CRA pass the contact details onto to the debt collectors isn't that making it worse for the person with debt because they are going to get an avalanche of letters from other old debts resurfacing that they had forgotten about or simply ignored?

 

Because advice, even online, is rarely given without an underlying agenda or ethos behind it.

 

In many cases that agenda/ethos is that if you owe money to debt collectors you deserve what you get, and should pay them without quibbling.

 

That is rather cynical WindySock and I wouldn't think this is the reason that CAG advises you check with the CRAs for information at all !

 

We advise checking with the CRAs to ensure information is being recorded correctly, or to see if the reporting has ceased. So many people who come to us come with an attitude of .. we cant remember - we don't know - we aren't sure. Checking with the CRAs is the only sure way of finding out when a debt was defaulted, when a last payment was made, or if it has dropped off because it has reached it's 6th birthday. The first time some people know they have a CCJ recorded against them is after having checked their files.

 

I would however agree that if your personal information, address, telephone number is not already accurate on the file, this is a trigger for receiving begging letters.

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

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

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

Link to post
Share on other sites

That is rather cynical WindySock and I wouldn't think this is the reason that CAG advises you check with the CRAs for information at all !

 

Lucky I was not referring to CAG then isn't it? :D

 

alpo287 just said ''advice online'' which I took to be much more general, as in specifically elsewhere and not here.

Link to post
Share on other sites

  • 1 year later...

Nothing is passed on,

anyone accessing your credit file has to ask about a specific person, not a random name or address.

 

 

If however someone asks for CRA data on you at an address then any linked addresses will be part of the information passed on in what they receive.

 

 

That means if you have old debts and a new address someone doing a NEW search will get the old addy and the new one.

 

 

This may lead to more post but ultimately it means that no-one can sneak a CCJ onto your files by deliberately sending a claim to an old address knowing it wont get defended. This is quite common in some fields.

 

BTW they have to pay to access the files so they arent going to shell out £100m to have a peek at everyones credit records just so they can send out a correctly addressed begging letter!

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...