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    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because therte was still £69 owing, so I paid it and thought it would correct once the CRA's updated their reporting cycle.   However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account 106985089 has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, so I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
    • they have 6mts else it dies. ................. BUT yet again today you've posted on someone else's thread posts now moved here. please keep to your OWN THREAD!! now to date you've not bothered to reply to our questions so we CAN help you.    
    • Update: tfl is taking me to court I'm trying to get an ooc claim from them but they have not been replying to my emails. 
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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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Littering Fixed Penalty Notice Swansea


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So just send a simple letter as advised.

 

If they had a picture with your arm out of the window or your fag butt, they would have sent a picture.

We could do with some help from you.

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request the full video evidence

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This is my letter

 

Dear Mr jones,*

 

Please accept this communication as my formal appeal. Please see the points below with reference to my appeal.

 

 

I note the content of your letter dated 23/12/16.

 

I dispute your CEO's statement for the following reasons:

1. I do not smoke

2. Nobody apart from me drives my car

3. The ceo claims of having had clear and unobstructed view when in fact I gather from his picture that it was raining and his wipers were not operating thus impairing his view. If he had paid the same level of detail and attention when writing the ticket, see point below

4. You have offered no evidence of this alleged offence apart from your CEO's statement and a picture of my car bearing no date and/or time.

5. Your fpn shows the date of issue as 22 october/2016, and the offence date as 22 December /2016. I fail to understand how your ceo predicted in October that two months later I would have committed an offence and he would have been driving behind me.

6. When it rains I keep my windows shut so I don't get wet, therefore I couldn't have thrown anything out of my window.

7. The ceo at no point attempted to gain my attention. Being stationary in traffic he could have approached me, flash his headlights or do anything else to stop me and obtain my details for the purpose of reporting the offence.

8. You state that the "fine" is £75. I do not recollect being summoned to court where a fine would be imposed. Are you acting on behalf of HMCS and found me guilty without a fair trial? I find this disturbing and I will enquire with HMCS about your authority to act on their behalf.

 

I suggest you speak to your CEO again to understand what really occurred.

Should you decide to take this matter further and proceed with a court case, I will defend my position robustly and invoice you for all my expenses and losses.

 

I will copy this communication and any subsequent one to our local MP (name here) to find out what he/she thinks about a non smoker being wrongly accused of littering and abruptly asked to pay money to your local authority.

 

If you have any further evidence about the alleged offence could you kindly please email it to me as possible, I would also politely request you send me the section of video that shows me throwing something out of my window. I look forward to hearing from you soon.

 

Very Best Regards

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I would simply ask for the full video evidence first.

then fire your arrows later

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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yes

request the full video evidence

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

My responce - While that is clearly a picture of my car there is no evidence of who the driver was as I dont smoke and havent for several years. It is not sufficient to issue the ticket to me as the registered keeper.

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nope

 

 

so simply ask for the complete video

not just a picture taken from it

as you dispute all/any such allegations.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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what chancers..

 

so the CEO just happened to have his camera out just when you threw it out..

 

chancers ...

 

just like those threads I linked too.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Yeah I had a read through those, I think he just clicked take a pic.

 

He admitted he took the picture after I had apparently thrown it out the window.

 

If it was that clear he should have followed me into the car park where I was going and issued it to me then.

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I have responded to him telling him I dont accept any allegations he has my email lets see what he does next. He may let it drop at this point but the letter is ready to be sent :)

 

Don't fall fool of the 14 days time limit to formally appeal.

Watch the calendar and only rely on written communication or recorded calls.

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I wonder if the CEO still had both hands on the wheel when he took a photo!

All of these are on behalf of a friend.. Cabot - [There's no CCA!]

CapQuest - [There's no CCA!]

Barclays - Zinc, [There's no CCA!]

Robinson Way - Written off!

NatWest - Written off!

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He/She should not be driving a car with defective window wipers either.

 

I see rain droplets on his windscreen and as said, hands free driving.

Imagine sending that picture to the police and them for once doing the right thing and give the ceo 3 points and £60 ticket 😂

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I see rain droplets on his windscreen and as said, hands free driving.

Imagine sending that picture to the police and them for once doing the right thing and give the ceo 3 points and £60 ticket 😂

 

Now that would be funny :) He has extended the lower fee until friday as it was xmas and I sent his mobile an SMS stating I do not accept the allogations. If he fails to contact me tomorrow I will ask for his email address so I can send across the letter

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not sure where that picture says the wipers were defective...?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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