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    • dca please.?   Barclays would have marked the A/c Defaulted on or before sale, and issued a default notice a dca debt buyer cannot issue a default notice    send Barclays an sar.   the A/c was opened whilst resident in Scotland that means the debt is statute barred and extinguished,, dead gone parrot. though that has no relevance to a credit file.    
    • scan it all up to one multipage PDF read upload carefully   I suspect its the usual stuff they troll out for vanquis card debt those  application forms are not a credit agreement    lots of previous Lowell claimform threads here to read that explains why.   dx  
    • In late 2014, I received correspondence from a DCA acting on behalf of Barclays, pursuing a student overdraft of around £1k from 2003. I hadn't used this account in many years, well over six, and it is my belief (though, in full honesty,   I can't actually remember, and can't prove anything) that it was closed a couple of years later in around 2004/2005/2006 (and it wasn't on my credit file in 2014), and the overdraft transferred to RBS (an account also closed so long ago that it is long since gone from my credit file. I certainly don't recall using it after 2004, and it was quite common then to transfer student accounts/overdrafts between banks.   I emailed the DCA, stating that I didn't acknowledge the debt, that it would be statute-barred in any case, and requested an original credit agreement. None was forthcoming,   after some back and forth, I invited them to issue proceedings if they felt they had an enforceable credit agreement. They did not respond.   I am currently looking at applying for a mortgage, and have noticed that whilst this account doesn't appear on Equifax or Experian, it is on my TransUnion file, showing as set up in 2003 and defaulted in 2015.   Does anyone have any advice as to what I should do? The 2019 Doyle case might make my contention that it was statute-barred somewhat shakier, though, equally, I haven't heard anything about it in over five years,   I cannot believe that, if the account was not closed/settled in the mid-2000s as I believe, that Barclays would not have issued a default notice before 2015. Does anyone have any advice as to what I should do?   I want this off my credit file, even if the account wasn't closed in 2004, I believe that Barclays/its DCA are trying to pull a fast one by recording a default in January 2015, but given that neither party has any records with which to validate their belief/position, it hardly seems fair that I pay out for something that either doesn't exist or ought to be statute barred? A further point is that whilst it is Barclays, the account was opened at a branch in Scotland (where I lived/studied), where I believe that the Limitation period is five years, so, even if it transpired that the default was legitimately in 2015, would the matter now be statute barred anyway? Or would it be six years given that I now live in England?
    • Hi.   Quick update. I have contacted the FOS and asked for written confirmation of the decision made so that I can take court action.   I have had my Cifas report today. It states.   Barclays Bank registered a 1st party fraud report against me on the 30th May 2019. This is the date they closed my account.   Case Type: Misuse of facility. Reasons: Multiple encashment fraud. Cifas Filing: First party fraud - (Opening an account or other facility for a fraudulent purpose or the fraudulent misuse of an account or facility; or taking out and insurance policy for a fraudulent purpose or the fraudulent misuse of an insurance policy and/or insurance policy documentation)   So, they told the FOS early December that my credit file would be amended and any negative reports would be removed, but as of today the account is still in default with Equifax and I still have the Cifas registered against my name.
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frankiemoo12

compliance interview (allegation someone else is living with me??)

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Totally agree... it's just an informal interview. Anything you can provide which backs up what you have said here will help.

 

Thank you for popping back, SL. :)

 

HB


Illegitimi non carborundum

 

 

 

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Should I inform the baby's dad an allegations been made? Will he be called in? Would it look good if I provided documents from him To prove his address etc?

 

If he has his own address & you can provide that then that will be fine. At the interview you could offer to get a letter from him confirming that he lives elsewhere.

 

Try not to worry too much: most compliance officers are nice people. Sometimes they realise that you are not claiming all the benefits that you are entitled to.

 

Good luck with it - and your pregnancy x

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Please do not ask me for advice via PM as I will not reply.

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I went today and they says they tried to contact everyone who had appt today as the officer was off sick, they took my updated telephone number and someone will call to rearrange they said the two officers on today couldn't see me, is it wishful thinking they will forget if only that was the case.

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Sadly not, a new appt will be made


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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

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It's been a week and had no contact from them will they leave it now till after xmas?

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It's been a week and had no contact from them will they leave it now till after xmas?

 

Highly likely. Or you could ring and explain that you want to get it over with and they might slot you in.


Please do not ask me for advice via PM as I will not reply.

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Hi ,

 

I've noticed many people saying how Lovelly the compliance officer was ,me included , I recorded my interview they were harassing me and on one phone call she said that it was about how I had been claiming severe disablement allowance and I should not have had it because I live with my carer ,

 

But when I went it was really about was I with my carer as in a relationship (it's my cousin 2nd cousin and not to mention he's 20 years younger than me !!) ,

 

She was very polite and very understanding about how I was disgusted about them even thinking that we would be together , at the beginning of the interview when I asked if it was about me claiming SDA and she said "we will get to that bit now" ,

 

Only after her asking loads of questions about me and my carer she finished up and I told her everything , she could see it was the truth ,

 

So at the end she said thats all done and got up so I said what about the SDA and she said "oh dont worry about that all that's sorted" ????

 

When I showed my cousin the recording which the officer I seen said that my cousin was asked the same questions ,

 

But my cousin was outraged he said he wasn't asked about that they asked him if he had been working 100 miles away and said sorry it must be the wrong person and kept asking strange questions like "do you wash your cousin in the bath?" And then "so how many hours do you work"??

 

So both interviews were really about if me and him were a couple , it's shocking to see the lengths they go to , If they had just been honest and said in the 1st place instead of wasting government money

 

By asking my cousin in first and lieing saying they have records he's working (which they said sorry our mistake) ,

 

And then have me go in they had even stopped my money until I went in , my money still doesn't go in like normal

 

Take today for instance my money was due in yesterday yet I'm waiting after 2 phone calls to them for them to ring me to do a faster paymemt , when i rang them it says on there screens it says "clerical error" !

 

So don't be fooled by them being nice with you its just a ploy cos they think your cheating the system , like you have stated you are innocent so you have nothing to worry about you just have to answer questions they fill out the form and that's it

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I had my interview yesterday as there was an alegation made that someone was living with me and they wanted details of my property I own.

 

As I had moved out the property in 2014 due to possible repossession and moved to a council property they were questioning if I ever let anyone stay there and receive rent

 

I let a friend stay there but never received any money, cut a long story short I am bk living there and the officer kept asking me so u haven't received any money for ur friend staying there while it was empty I says no, then at the very end she says an alegation had been made someone was living with u are ur previous a dress which is untrue then she asked is anyone living with me now again answered no,

 

at the end of the interview she said that this may not be the end of the matter and if anyone stays with me I must inform them even if it's for a night, she advised that she would pass on my statement to the council???? As she says if I did receive any money while friend stayed then I would have been receiving housing benefit when I shouldn't and she needs to forward the statement to council?

 

Is this the case? I thought it went to a decision maker with dwp??also at the very end she advised that I could get help with my mortgage and she would send me a form?

 

What is the procedure for after an interview????

Edited by honeybee13
Paras.

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Threads merged for continuity.

 

I've popped a few paragraphs into your last post, maybe if it's easier to read you'll get some more answers. :)

 

HB


Illegitimi non carborundum

 

 

 

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