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    • Lastly, I will go to the site to get updated images, but from google earth, you can see from the pictures the entrance states it is for the hotel parking, which I follwed instructions and gave my details to the hotel. Where I think my car was parked (it was that long ago I'm not exactly sure) there are signs on the opposite wall, but it was 12.30am, pitch black and they could not be seen.
    • I was planning on collecting up other court cases they have lost, to refer to as part of my evidence, I'm not sure if this is worth doing or could just confuse matters? But there seem to be many where the judge has ruled against them because of confusing and not clearly displayed signage, trespass, as well as their charge being £100, which is more than the Bevis case said was reasonable.    A quick search found this article as one example KBT cornwall lose case article.pdf
    • OK, I will do now. I did look to black out certain things, but I was not sure what I should and should not redact and there was nothing on there that was personal enough for me to be concerned with being made public. So I am happy for all to view, but if you are kind enough to redact what is needed as per the forum rules, that would be amazing. Armtrak Defence documents_compressed.pdf
    • yes but have the landowner paid this years contract fee. no evidence they have in the ws. pop it back up now if you wish. the forum is quiet i'll redact it for you so we have the info.   dx  
    • Thank you all so much for taking the time to comment and help, I really do appreciate it.   Just to elaborate a bit more on the background, just because my lack of knowledge of the process might mean I've actually done things along the way that I did not know what they were and so hadn't mention it.    When they decided to go to court, I was offered mediation, which I took. I offered to pay the reduced rate, just to make it go away, but insisted it was not an admission of guilt, it was a goodwill gesture to save us all the effort of court. They refused and wanted £250.    A court date was set, but in Leeds, then a couple weeks later I received another letter saying it had been moved to London.   I was not aware I had any say in which court it would be held at, but I now understand i have good reason to request it is moved to a local one to me, which is also local to the offending place, I will call the court tomorrow and explain that. But so far I have only been told what is happening, I've not been given the choice for anything.   They seem to be going down the route of a contract breach, not trespass which is interesting. There is a document in the evidence which has the agreement between themselves which I assumed meant they can pursue me.    I am going to visit the site again shortly, at midnight the time of the offence and take pictures to build a case file of the route I took to enter the car park, how it is in the hotel grounds and no signs can be seen.    Am I right in saying, the fact they do not actually have any pictures of my car in the location they say it was in, just because all of the pictures they have were at 12/30am and it was pitch black, I am going to say my car was parked correctly in the hotel side, not on their land and it is then up to them to prove otherwise, which they are not able to do, because the burden of proof lies with the claimant I think?
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listenmint

Next cat debt showing twice on credit file

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I've got a situation with an old debt that is now effectively on my credit report twice.

 

The original debt was £50.

 

The DCA have increased it to £200.

 

But the weird thing is that there are two entries on my credit file for the same debt. One marked as closed and one open.

 

Is there anything I can do about this as it kinda looks to any new creditors like the 2nd entry is a 'new' debt, which it isn't.

 

The DCA is shown as "Debt Managers".

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Thread moved to the appropriate forum.

 

Please continue to post here to your thread.

 

 

Regards

 

Andy


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As long as the defaulted dates are the same its not hurting you

 

What the debt all about?


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Hi

Im so sorry to tag onto the end of this forum but I do not know where to write. I have a credit report issue. I swapped mobile phones and missed a final payment which is now cleared but has hurt my credit report and a subseuquent mortgage application. Could you possibly redirect me to the right forum?

 

Thanks in advance and apologies again

Seachan1

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start a new thread


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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As long as the defaulted dates are the same its not hurting you

 

What the debt all about?

 

I suppose, yeah. Just not seen it done before with any other accounts.

 

EDIT: It's an old Next catalogue account.

 

If I settled this with them, considering it's over 3 years old and DCA fees make up most of the debt, what are the chances of the DCA removing the default(s) from my file? Any letters I can use?

Edited by listenmint

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If I settled this with them, considering it's over 3 years old and DCA fees make up most of the debt, what are the chances of the DCA removing the default(s) from my file?

 

About as much chance of you winning the national lottery each week for the next month.

 

There is absolutely NO chance of this being removed, whether you pay up or not, this WILL auto drop off your credit file on its sixth birthday.

 

DCA's CAN'T add fees, there is no legal remit to do so and are unlawful penalty fees..

 

What have DM been sending you?

 

What is the debt? Mobile phone? Overdraft? Loan??????????????????


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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About as much chance of you winning the national lottery each week for the next month.

 

There is absolutely NO chance of this being removed, whether you pay up or not, this WILL auto drop off your credit file on its sixth birthday.

 

DCA's CAN'T add fees, there is no legal remit to do so and are unlawful penalty fees..

 

What have DM been sending you?

 

What is the debt? Mobile phone? Overdraft? Loan??????????????????

 

Hmm, don't like those odds.

 

It's a Next catalogue account.

 

Does the DCA apply the default or the original creditor?

 

All I know is that the amount owed before being passed to the DCA was around £50. Now it's shot up to £200!

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They've been sending emails....asking for contact to be made and then recently something about a 'legal assessment'....

 

There was no contact before but it just started out of the blue late last year.

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The OC applies the default, the DCA can ONLY update it.

 

So Next will have defaulted you and applied the credit mark, when did you take the cat out??

 

The odds are in YOUR favour, there is zero point in throwing money at it, just to try and improve your CRF, you won't, it's there for 6 years regardless.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They've been sending emails....asking for contact to be made and then recently something about a 'legal assessment'....

 

There was no contact before but it just started out of the blue late last year.

 

Ignore emails AND any attempt to contact you by phone, if they do ring, laugh and hang up.

 

Deal with them in writing ONLY.

 

Wait for them to send you a begging letter, and pop back here and tell us what they say.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Okay thanks. It's just I had heard a few success stories of defaults being removed.

 

I'd be interested to know what the additional debt that has been added on top is - any ideas?

 

Took the cat out in 2009...

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no the DCA would not have added anything.

next would have done that before the sale

as they would have defaulted the debt too

 

 

and sadly no theres no way to remove the default

paying it wont resolve the issue either.

 

 

have you sent next an sar to get all the statements.

 

 

if you can PROVE the debt is all penalty charges then once reclaimed

it would prove the default notice was faulty

and that might resolve the issue

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hang on - just found a document from them from last year, which is maybe why they started chasing:

 

We are attempting to contact the above named person and our recent investigations have resulted in your details being obtained from a credit reference agency. Your address has been provided by them due to a link with the data we hold, as a possible new address for the person we are wishing to contact.

 

To verify that you are the person we are wishing to contact, or if you believe you are not the subject, please contact us urgently on 01709 537 265 so that our records can be updated appropriately.

 

If we do not receive a response to this letter within 7 days, we will assume the link is correct and further communication will be made.

 

 

I even wrote to Next when I was made redundant and offered a token payment and to stop interest, but it looks like they ignored that completely.

 

no the DCA would not have added anything.

next would have done that before the sale

as they would have defaulted the debt too

 

and sadly no theres no way to remove the default

paying it wont resolve the issue either.

 

have you sent next an sar to get all the statements.

 

if you can PROVE the debt is all penalty charges then once reclaimed

it would prove the default notice was faulty

and that might resolve the issue

 

dx

 

Sorry missed your bit about account statements.

 

How would I go about doing this?

 

 

 

 

I don't want to restart the 'statute barred clock'.

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as I already said - send next an sar

no it doesn't reset SB


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Once I can prove with statements that over 60% of the alleged debt is charges and I didn't receive a default notice, what would you recommend for next steps?

 

Have you ever heard of a DCA transferring a debt back to the OC?

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Once I can prove with statements that over 60% of the alleged debt is charges and I didn't receive a default notice, what would you recommend for next steps? Nothing unless they issue a court claim.

 

Have you ever heard of a DCA transferring a debt back to the OC?

yes

 

Regards

 

Andy


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Thanks Andy!

 

Just to confirm, were they cases where the debt had been sold or just passed to an in-house collection agency?

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No ..the debt had actually been assigned and then returned to the OC


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No ..the debt had actually been assigned and then returned to the OC

I've had this as well - how does it actually work in terms of what the purchaser paid for the debt - do they get their money back ?

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I've had this as well - how does it actually work in terms of what the purchaser paid for the debt - do they get their money back ?

 

Who really cares?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've had this as well - how does it actually work in terms of what the purchaser paid for the debt - do they get their money back ?

 

Depends on the type of assignment.


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