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    • thats good,. now carefully check ALL those legal/sol/litigation fees if they are around the time of any successful court stuff you cant reclaim those sadly but £23k is a good sum rest looks good. time to find a loan charges reclaim letter and get that sent off then. and then the fun begins not us too old excuse excuse. dx    
    • if it's a total loss but not structurally damaged it'll be Cat N.   Of course you can insure a Cat N car, there are loads about that have been repaired. It's unlikely that your current insurers will insure it, however.  It is also normally more expensive to insure a Cat N car. Get on to some brokers and run the numbers.  
    • Lol! Yes, lookinforinfo,  I picked up on the word "Must" .... As you say, they have not done what they legally "Must" do I'm going to buy the Dummies Guide to Law and see if DCB(L) will give me a job   I'm also looking forward to CPR 27.1(1)(b)    
    • Well done for boning up on Schedule 4 . I expect you understand the point I was making about not inviting the keeper to pay the charge. At the start of Section 9 the wording includes the word "must" which is a very important word legally. It means that Highview have to include all the requirements stated in that section or subsection. If it's missed out the PCN does not comply with the Act and the keeper cannot be held liable to pay. You have to make allowances for them . The Act has only been in force since 2012 so it will take them a few more years yet before they get it right. But it does emphasise the comprehension level of who you are dealing with. Their solicitors are a tad below that level so most of your snotty letter will doubtless go over their heads. But the Judge will appreciate the humour. if it gets that far. Probably the irony too of the solicitor getting some legal information that they are unaware of.
    • Yes, I read that, that's what prompted me to think of not mentioning it here yet. This is what I was referring to earlier, seems credible, if anyone was interested: (although I don't want to stray of topic ) At the final hearing in 2016 at the Bolton County Court we relied, you might think unwisely, on a defence that the signage was illegal.  ParkingEye’s Claims Handler, David Greenbank, although not attending the hearing, had submitted a Skeleton Argument containing a claim that they had been granted planning permission for the signs retrospectively. The judge found in favour of ParkingEye and anyway we had run out of time and he was anxious to move on to the next case (back-to-back parking cases).  We had evidence to prove our case, but weren’t allowed to present it. Parking Prankster: The great private car park planning approval scam PARKING-PRANKSTER.BLOGSPOT.COM Guest blog from shuteyepark, from the Consumer Action group forums In December 2013 my daughter received a Parking Charge Notice (PCN) fro...  
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      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.

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      Many thanks 
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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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T mobile current balance on my credit file dating back to 1999


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I wonder if anyone can help me. I have a t mobile current balance showing on my credit file from 1999. The amount is for £155 It is not showing as a default, only as a current balance. How can I get this removed as experian said that T Mobile must do it?

Any advise would be greatly appreciated as this is giving me a poor credit score. I have not been in contact with them since 1999 and have made no payments at all.

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I wonder if anyone can help me. I have a t mobile current balance showing on my credit file from 1999. The amount is for £155 It is not showing as a default, only as a current balance. How can I get this removed as experian said that T Mobile must do it?

Any advise would be greatly appreciated as this is giving me a poor credit score. I have not been in contact with them since 1999 and have made no payments at all.

 

Experian are also responsible for ensuring that their records comply with the Data Protection Act. You can ask Experian to resolve this with TMobile

We could do with some help from you.

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Thanks for your reply, I was reading some similar stories and did see something about data protection. Is there a template I can use or are there any key things I should add when writing to experian. I notice this is also recorded on equifax and other credit reference agencies. Do I need to write to them all?

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Tmobile will try and claim that the account hasnt defaulted and they are actively in discussions with you to resolve this. It is a wheeze that more and more companies are using to stretch the SB date forward to about 11 years. However, in your case they have shot themselves in the foot as it cannot be honestly claimed to be a live account so it is just a matter of them trying to damage your credit record in revenge. You may need to use the DPA if Experian wont do anything to persuade TM to stop being silly y way of a SAR and then then a complaint about improper processing of your data, record keeping etc.

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Thanks ericsbrother, so do I send the SAR and complaint letter to TM or Experian?

 

Mobile phone companies are known to be difficult to gain any response from. You can write to their head office address marked for the attention of Data Protection Officer pointing out that they are processing out of date data to your credit reference file in contravention with the Data Protection Act. Insist that they remove this active record from your credit file, as an account from 1999 that has not been in use, is not active and the data should not be processed.

 

If that fails, complain to Experian.

We could do with some help from you.

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Thanks for your response, my concern with having any contact with TM is that by doing so they may say I am acknowledging the debt, being that it is SB. Is this a possibility.

The reason in the first place for me not paying them was that I was originally furious that they had changed the terms and conditions of my phones insurance policy. Having paid the insurance for a year they were stating that if I were to claim they would send me a 2nd hand phone. Something that was not a part of the original agreement with them when I bought the phone and stated the contract. So I do not trust them at all.

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Thanks for your response, my concern with having any contact with TM is that by doing so they may say I am acknowledging the debt, being that it is SB. Is this a possibility.

The reason in the first place for me not paying them was that I was originally furious that they had changed the terms and conditions of my phones insurance policy. Having paid the insurance for a year they were stating that if I were to claim they would send me a 2nd hand phone. Something that was not a part of the original agreement with them when I bought the phone and stated the contract. So I do not trust them at all.

 

No it is not acknowledging the debt. And once a debt is SB it is always SB.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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