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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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Worsteve

PAYDAYUK & THE MONEY SHOP Identity Theft

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Good Morning Caggers

 

I got 2 letters through my door today stipulating that I have 2 outstanding debts (I DON'T) to PAYDAYUK and THE MONEY SHOP. :-x

 

These have been sold on to BW Legal, and (obviously) I can't get through to them on the phone to tell then that my identity has been stolen. :x

 

What is the correct process with this. I have not had any letter from PAYDAYUK and THE MONEY SHOP, demanding monies. I only have 2 letters delivered on the same day which state they have sold the debt to PRAC/BW Legal.

 

How do I defend my credit report and my identity? :mad2:

 

It is worth adding.....that I have never ever taken out a loan with either of these jokers.

 

I have just spoken to BW Legal and they said that I would have to go through security to check who I was. I told them;

 

My name; It Matched

My address; It Matched

My dOB: IT DOES NOT MATCH.

 

So clearly somebody has stolen my identity without putting in the correct DOB.

 

What do I do from this point,

as I can't speak to the original Loanee,

as they have sold the debt to the DCA ((BW Legal (used to be Lowell)).....

...and I can't speak to the DCA as I don't pass security as my DOB is different to the original person who fraudulently took these out in the first place......

 

Many Thanks for your help in advance.

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Hi

I suggest contacting ActionFraud just to get a reference number to pass on to BWL

 

WRITE a letter to them and state that this is ID fraud, give them the reference number and suggest they return it to their client as you will not be held responsible for another persons fraudulent action.


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Hi Silverfox

I have got a CRN now. How do I pass this on to BWL and what is it?

 

Many Thanks

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Do everything in writing and STAY OFF THE PHONE. Especially if you suspect fraud.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Hi Worsteve

 

Im also in your position. I have been dealing with BW legal for a little while and PRAT Financial... (Yes i spelt it wrong for a reason)

Keep it for now. ITs time to send a SAR off to TMS / PDUK - I also have had fraud issues with them and they refuse to accept it.

 

You need to get as much info as possible. Once done, come back and let us know and we can advise next.


 

We could do with some help from you.

 

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Good Morning all

I will do exactly that then. SAR will be sent off first thing tomorrow. Very much appreciated. The money shop e-mailed me and asked me what my D.O.B. was........I wasn't going to tell them that so they could change their details.

 

Should I do anything with my CRN number?

 

Brgds to one and all.

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One thing I do know is that the Date of Birth they have on file both at the Loanee's and the DCA......do not match my actual DOB.

 

SAR all done and will be sent off to PAYDAYUK and TMS. Should I send one off to PRAT as well?

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Good Morning all

I will do exactly that then. SAR will be sent off first thing tomorrow. Very much appreciated. The money shop e-mailed me and asked me what my D.O.B. was........I wasn't going to tell them that so they could change their details.

 

Should I do anything with my CRN number?

 

Brgds to one and all.

 

If you have never had these type of loans with these companies, then if it were me, i would obtain the CRN and send it to BW Legal by recorded post in a letter explaining the situation in your letter.

 

I suspect that it is not identity fraud, but someone from a DCA or tracing company that has got the wrong person/address. Given that the DOB is wrong, then the original loans would have been given to someone who shares your name, but a different DOB. They would have done a credit check on this other person at the time of the loan. They have then defaulted and disappeared off radar. Fast forward months or years and some space cadet at a DCA or tracing company, has written down your address as a possible for this debtor. Which is why they have wriiten to your address.

 

I would suggest you check your credit record fully and report back here if you find anything.

 

I can't see it is worth wasting time/money on an SAR. Your DOB does not match, they have traced the wrong person and in theory you would fail a basic security check, so should not be sent the SAR data.


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Morning Uncle Bulgaria

 

My credit record is clear of any misdemeanours no both Creditfile and Noddle. My score is high and that is good! Should I send a copy of my Passport to BW Legal then? Right now, they say I fail the security check so can't access their information.

 

I too feel like some jobsworth has just found someone with the same name and attached it to me and my address.

 

Many Thanks for your continued support ! :-)

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Morning Uncle Bulgaria

 

My credit record is clear of any misdemeanours no both Creditfile and Noddle. My score is high and that is good! Should I send a copy of my Passport to BW Legal then? Right now, they say I fail the security check so can't access their information.

 

I too feel like some jobsworth has just found someone with the same name and attached it to me and my address.

 

Many Thanks for your continued support ! :-)

 

You could just send BW Legal a photocopy of your passport page, saying that someone has traced the wrong person and you insist on compensation for your expenses in resolving their error. Advise that unless they send a written apology with appropriate compensation, you will make a formal complaint to the Solicitors Regulatory Authority and the ICO relating to this misconduct.


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

 

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Hi Uncle Bulgaria

 

I am happy to send the SAR to the Loanee's to ensure I get the correct information on DOB. I will also send a letter with a copy of my passport page to BW Legal, proving that I am not the owner of those loans as you state above. I am happy to insist on compensation to go with it as well!! :wink:

 

Thanks again as always

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Hi Uncle Bulgaria

 

I am happy to send the SAR to the Loanee's to ensure I get the correct information on DOB. I will also send a letter with a copy of my passport page to BW Legal, proving that I am not the owner of those loans as you state above. I am happy to insist on compensation to go with it as well!! :wink:

 

Thanks again as always

 

The SAR should fail as you are not the person the data relates to. I doubt they will send you anything, but they might bank the £10.


We could do with some help from you.

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The SAR should fail as you are not the person the data relates to. I doubt they will send you anything, but they might bank the £10.

 

Agreed however any refusal to supply can be used as evidence they have the wrong person. If they had the right person, they would no problem supplying the data.

 

I would suggest to BWL that they refer this back to their client as this is a clear case of fraud and should their client continue this fruitless case a claim for breaching the Data Protection Act may follow.


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

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Ammunition is great. I will draft said letter with accusations and post using recorded delivery with an amount of affirmation and glee.

 

Thanks everyone!

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Good Morning Caggers

 

So then, all was done bar the SAR to PAYDAYUK AND THE MONEY SHOP. A few letters had gone back and forth and forms stating that this was fraud and I filled them all in. Nothing on my credit report.....then I got 2 letters on Friday stating that they had sold this debt onto PRAT financial. They have clearly washed their hands off these 2 loans. Still nothing on my Credit report either, but they are accusing me of owing them monies.

 

So then what to do next? Since March there has been quite a bit of written dialogue, albeit without the SAR.

 

Just FYI, early last year I got a letter from each saying that I owed both monies....a pseudonym under the same name had taken these loans out.....and they immediately tacked this sh1t on to me......even though it wasn't me.

 

Your help as always would be greatly appreciated!

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Get the SAR off so you can see their internal comms


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Morning all

 

It is worth stating that I was working with BW Legal (DCA) all of last year and now they have moved this on to PRAT. It has gone from one to the other.....typically. So an SAR to PRAT for both is required I assume?

Cheers

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Only SAR the OC. Never a dca.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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As I have mentioned before, a SAR would fail as you are not the debtor they are chasing. If you did SAR them and they supplied data then they have breached the Data Protection Act. It seems that the original CRN has bypassed their thought systems!!!

 

It seems that a threat of court action has now subsided but that does not negate the requirement of the creditor to make the right checks to ascertain whether the person they are chasing is the correct one and whether there is a case of fraud.

What to do?

 

I suggest a formal complaint (in writing) to PRAC and when they disagree with you, go to the Ombudsman. Long winded, yes but it puts the onus on PRAC to get their facts right. You have told them enough times that this is fraud, you have supplied the CRN so they should fully investigate this case.


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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I'm struggling to add my letters. I have tried to capture them as snapshots as well but to no avail

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1. Letter of formal complaint to PRAC

2. Next a letter to the Ombudsman

3. SAR to PAYDAY UK and THE MONEY SHOP.

 

This is my list of actions. Many Thanks for your help. I will get on it.

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I've unapproved the attachments as they contain your personal details..

I wanted to see what Broken Whiney Legal have sent to you


 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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