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    • p'haps not the best thing to do just use the N244.and the ex160 let them sort it out don't complicate things..  
    • again you appear not to be understanding things.....   a default does not go statute barred - as carefully explained in post 4....once it reaches its 6th birthday it along with the associated account will be removed from your file. that happening has no effect on the debt itself. it does not mean it is no owed.    your debt is NOT statute barred it has a CCJ . should the claimant fail to enforce the CCJ by it's 6th birthday, when, as with a default, it falls off your credit file, then they would need to return to court to do so. and again that happening has no effect upon the debt itself.   they both operate under the same ICO rule, quoted as in post 4..   All references to a defaulted debt must be removed from your credit files after 6 years  has passed from date of default, whether paid off, paying now or not.  . This is so that someone who continues paying something  - even after 6 years from default  - should not be at a disadvantage to someone who pays nothing after default  and ends up with a clean file after 6 years. 
    • Pleased to say that the default has gone from my credit report due to being SB. My Experian credit score is now 978 out of 999 and excellent. Experian doesn’t show my 2 x CCJ’s. Equifax’s shows just 1.    my question is this.... clearly the debt is still owed for the SB debt, the CCJ is still live until June next year.   Can I make an offer of 10% to settle the debt now that it’s SB? If so is there a letter template that I can send to them to make such an offer?   thanks in advance 
    • Your position is not untenable in any way. You have already mitigated partially any impending disaster by opening another non Paypal linked bank account so they cannot arbitrarily seize what they want.   First thing to remember you are in control here. Whatever you offer to pay them must be something you can reasonably afford even if its only a pound a week and you must pay it to Paypal. If like me they freeze your account then there is no way you can reasonably pay them. They are not going to give you another account to pay it into.   The reason I got into difficulties with them was because I had recurring large payments being made to a supplier of mine which continued after I was rushed into hospital for series of emergency operations. When I came out of hospital Paypal had simply frozen the account which I discovered when I tried to pay money into it to alleviate the huge deficit that had accrued. So I paid nothing of what I owed. I received about 4 or 5 threatening missives which I ignored as well as any phone calls. I tried for several months to make payments into the account and in the end I gave up. Despite all the threats nothing actually happened.   If you read all the answers to your posting as well as all the other Paypal posts I doubt you will find any evidence of Paypal doing very much to enforce outstanding balances and funnily enough they do not make it easy for those that wish to repay them as I discovered.   So stop getting yourself into a flap over something that is very unlikely to be nothing more than a storm in a tea cup.   Make or start you offer to re-pay them at a figure you can easily afford then forget all about them except to make your regular payment if you can still do so.   DO NOT under any circumstances get yourself deeper into debt over this.
    • she certainly hasn't any authority to 'fine' you. what was in the contract regarding vacating the property by when?  
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MadMat

Vodaphone Issues - get hold of their recording of phone call ?

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My wife has had a long standing dispute with Vodaphone

 

A few months ago during a long phone call a vodaphone rep agreed to cancel her contract and close the account with nothing further due to pay.

 

We have now started getting letters from a DCA, claiming she owes Vodaphone just over £800. which is the remainder of the 2 year contract plus the cost of the handset involved. after talking to the DCA they claim the above call "never happened" and are now harassing her in the usual way for payment

 

Can we force Vodafone to supply us with a copy of the recording of the phone call? maybe with a SAR ? I can prove the call happened as it's on my itemised BT phone bill but not what was discussed.

 

TIA

 

Mat

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In theory you can. You should try it as a necessary first step. Let us know how you get on.

 

Sorry to say, but as you have been here since 2006, you should know by now to record your calls. Read our customer services guide.

 

Let us know what you get for your SAR and we'll try to advise about the next step.

 

People really should steer clear of Vodafone. They seem to have poor systems in place and are probably the most complained about provider in the country.


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Aye, but educating the wife in the ways of being a CAGger is taking longer than anticipated!

 

SAR letter with cheque going off to Vodaphone

 

Communicate in writing only letter also going to the DCA hopefully that'll put them off until we get a reply to the SAR

 

Thanks for your help !!

 

Mat

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Aye, but educating the wife in the ways of being a CAGger is taking longer than anticipated!

 

SAR letter with cheque going off to Vodaphone

 

Communicate in writing only letter also going to the DCA hopefully that'll put them off until we get a reply to the SAR

 

Thanks for your help !!

 

Mat

You could get her a copy of the new book ..CSH (subtle plug)


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Hi

I will guarantee you that this phone call will have been deleted. VF do not keep any call recordings for very long. Perhaps they want to hide the evidence?

 

I would definitely SAR Vodafone but please ensure that you include as much proof of ID as possible. VF hate to supply at the first instance so will move heaven and earth to force you to provide more ID. I suspect this is due to their p*ss poor practice of record keeping. In your SAR I would also demand that IF they have any of your details on a different filing system that they provide those as well. I suspect that they do use two systems.

 

After their recent fiasco with the new system they have in place, I also suspect that they are having to do a lot of manual searching which takes a long time hence their request for more ID as the 40 days does not start until they are satisfied with the ID.

 

The DCA. IF their letters are saying they are acting on behalf of VF then a simple letter back to them stating that the account is in dispute and that you will not deal with anyone but VF should see them off.

IF this 'debt' has been sold to the DCA then would be saying 'put up or shut up'

 

Please check credit files as well as I can say with some certainty that VF have placed bad markers there.


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It's the credit file issue that's bothering me, Wifey was hoping to finance a new car later on this year . . . .

 

The call in question was 35 mins long and in May of this year. Surely they'd be required to retain them longer than 6 months?

 

I'm gong to get her to open an account at clearscore to check for markers, but as far as I'm aware no default notice has been issued

 

Mat

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Vodafone keep recordings for such a short time. This ranges from a few days to 120 days, the maximum that I know of so around 3-4 months.

 

You can check Noddle as well.

 

Hopefully the SAR will reveal something that helps you. It is likely to come on a CD with a password (in the same envelope!) and there will be lots of codes. If they don't include a translation of the codes, they haven't fulfilled the request


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

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