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    • Just posted up the POC. Will get on with CCA and CPR tomorrow.   Is there a danger that if he attempts to call BC he could take it out of staute barred?  I will have to contact him Spain so need to advise him what not to say.
    • Here are the Particulars of Claim     Name of the Claimant ? Hoist Finance UK Holdings Limited     30th January 2020 Date of issue 30/01/2020 + 19 days ( 5 day for service + 14 days to acknowledge) = 17/02/2020 + 14 days to submit defence = 02/03/2020 (33 days in total) -   Particulars of Claim   The claim is for the sum of £7939.36 arising from the defendants breach of a regulated consumer credit agreement referenced Under no xxxx926xxxxxx03 The defendant has failed to remedy the breach in accordance with a Default Notice issued pursuant to ss.87(1) and 88 of the Consumer Credit Act 1974. The Claimant claims the sums due from the Defendant following the legal assignment of the agreement from Hoist Portfolio Holding 2 Ltd(Ex Barclaycard) Written notice of the assignment has been given. The Claimant claims 1. The sum of £7939.36 2. Costs   What is the total value of the claim? £7939. + £410.00 Court fee + 100.00 legal costs Total amount £8449.00   Have you received prior notice of a claim being issued pursuant to paragraph 3 of the PAPDC ( Pre Action Protocol) ? Yes dated 02092019   Have you changed your address since the time at which the debt referred to in the claim was allegedly incurred? Not sure   Did you inform the claimant of your change of address?Not sure Is the claim for - a Bank Account (Overdraft) or credit card or loan or catalogue or mobile phone account? Credit Card.   When did you enter into the original agreement before or after April 2007 ?  After April 2007 actually August 2007   Do you recall how you entered into the agreement...On line /In branch/By post ? Can't recall   Is the debt showing on your credit reference files (Experian/ Equifax /Etc...) ?No idea   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. Claim issued by Hoist, so assigned.   Were you aware the account had been assigned – did you receive a Notice of Assignment? Howard Cohen solicitors says yes. I say no   Did you receive a Default Notice from the original creditor? Not to my knowledge   Have you been receiving statutory notices headed “Notice of Sums in Arrears”  or " Notice of Arrears "– at least once a year ? No   Why did you cease payments? Costly divorce and failed small business   What was the date of your last payment? Over 6 yeras ago I believe   Was there a dispute with the original creditor that remains unresolved? No   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Spoke to them many years ago          
    • DX ,thanks for spacing post BankFodder,  sorry, point taken,   FS
    • defence due by 4pm Monday 2nd   has he...   .  get a CCA Request running to the claimant https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/  leave the £1PO blank and uncrossed . .  get a CPR 31:14 request running to the solicitors [if one is not listed send to the claimant] . . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . . type your name ONLY no need to sign anything . you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count]   get him to ring BC ask last payment date tomorrow.    
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KimHalliday

Credit Score being ruined but Vodafone won't let me pay! **VF ref 12618843**

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I recently phoned vodafone to settle an old account which is showing as defaulted in 2014, I don't have any paper work and asked them to check the account details based on all my previous post codes as I no longer know this telephone number as it is from an account opened in 2011.

 

The person couldn't find the account details and confirmed that they have no record or account details for this debt even though every month its showing as a default on my credit file. I requested to speak to the department responsible for sending this information to credit ref agency but was told this is not an option.

 

Can I add a notice of correction because I've attempted to pay off the debt but vodafone are refusing to accept payment or can't find the account details to settle this debt?

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Hi KimHalliday,

 

So I can help you further with this, email me via the Contact us form here.

 

To access the form you'll need to enter the code WRT135.

 

As well as stating your query in the question box, please also quote 'CAG Forum'.

 

Once sent, you'll receive an automated reply with a reference number. Post back with this so I can make sure it's been received.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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Thread moved to the appropriate forum.


We could do with some help from you.

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Hi Lee,

 

Thank you for coming back so quickly!! My reference number is WRT135-12618843

 

Kind Regards,

Kim

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Have popped your reference number in thread title so Lee will spot it.

 

I would think it will likely be tomorrow that you will receive a response now.


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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.

 

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Is the phone number not on your credit file where the default is recorded ?


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

 

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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So is this another huge error caused by Vodafone against one of their customers which is potentially blighted their credit files and which has now been taken off the forum so that no one has any idea as to what the problem was or what the resolution has been?

 

Has there been any offer of compensation? And if so was it reasonable? Or is it some Vodafone "gesture of goodwill"


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Hi Lee,

 

Thank you for coming back so quickly!! My reference number is WRT135-12618843

 

Kind Regards,

Kim

 

Hi Kim,

 

I've got your email and I'll get back to you as soon as I can.

 

So is this another huge error caused by Vodafone against one of their customers which is potentially blighted their credit files and which has now been taken off the forum so that no one has any idea as to what the problem was or what the resolution has been?

 

Has there been any offer of compensation? And if so was it reasonable? Or is it some Vodafone "gesture of goodwill"

 

As previously stated, I'm happy for the OP to update the thread with any details they choose to share.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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I was just contacted by Vodafone and my account was found, 1 year and numerous phone calls and letters to Vodafone it actually took complaining on here to get anywhere.

 

I did have an outstanding balance on an old account which I was happy to pay and did pay, but when I questioned how this happened the only response I got was that they sent letters to my home address (where my parents live and I've never been passed the letters) and there was nothing further they could do in regards to my credit file other than list the default as satisfied so will still remain on my credit file for 6 years.

 

I didn't receive an apology and was made to feel like it was my fault and that I was a liar because I didn't get any of the correspondence.

 

I'm quite upset with how I was spoken to and I don't feel the situation was resolved satisfactorily as I was looking to get this removed from my credit file. However, Vodafone was not even willing to discuss getting this removed and just kept telling me that they sent their letters and passed it to debt collectors who were also unable to contact me which I just cannot believe as any post for myself is passed on by my parents.

 

Because of this, I will not be renewing any contract with Vodafone and recommend avoiding them as a company as they just have no regard for their customers and provide no customer service.

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I am very sorry to hear this Kim and pretty much reinforces other comments made by unhappy Vodafone customers.

 

How long will the adverse entries affect your credit history ?


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

 

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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I am very sorry to hear this Kim and pretty much reinforces other comments made by unhappy Vodafone customers.

 

How long will the adverse entries affect your credit history ?

 

The entry will remain on my credit file for 6 years.

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The entry will remain on my credit file for 6 years.

 

Hi,

 

Personally I would send a SAR subject acces request to Voadafone, templates can be found on here.

 

Allow 40 days. This will produce all correspondance issued we can confirm the default was issued correctly and a notice of intention was issued prior to the record being placed.

 

Another route that has helped myself previously is raising a dispute direct to the CRA stating that as soon as you became aware of debt you paid it and you don't feel the creditor done enough to obtain payment prior to placing the default.

 

Vodafone it's apparent a genuine error has occured as you have immediately had full payment could you not as a gesture remove this marker in its entirety?

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The op could have made a full and final offer of 50% but paid in full do the decent thing Lee and remove the entry

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Hi

I agree with sending a SAR as this should get some idea of what happened.

 

I must say however, we have seen many times where VF have said they had sent letters but the original poster states they have not received them. It seems to be a common theme which says to me that something is very wrong at Vodafone.

 

The account history will not show an actual letter but if one is printed then a code should be there. Unfortunately this does not mean a letter was actually posted and VF don't have proof it was delivered.

 

You also would have thought that VF would have an email address for you which they could send a message but of course they don't. You are also locked out of your VF account. When you left VF, did you port the number? If so, why didn't VF contact you on that.

 

I can answer all the above in one line. The Customer Service sucks!


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Hi Kim,

 

I'm sorry that you remain unhappy.

 

I'll email you later today to explain our position regarding your complaint.

 

Feel free to update the thread again once you've received it.

 

Kind regards,

 

Lee

 

Social Media Operations

 

Vodafone UK

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