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    • Daft question - but you filed the defence on-line on MCOL as dx indicated, right?
    • We looked up the e-mail address so communications would be in writing.  If you do stuff on the phone the other party can just deny the contents of the conversation.  They can't deny what's written in an e-mail. So time to sort Pete out.  Check the following for accuracy and change anything I've got wrong.  Then e-mail Pete this evening.  I was thinking of threatening the pub with legal action but let's initially be nice.   Dear Pete, Re: PCN no.XXXXX, claim form no.XXXXX on 23 July 2022 I was a customer at your pub and I attach proof of purchase. I was picking up my cousin Ms XXXXX and her family as she was working as a cook with you at the time.  I entered the pub through the back door, went to the bar, and ordered a drink and a meal.  At no point did any bar staff alert me that I needed to add my registration number or did I see any signs advising me to do so.  I then took a seat outside in a small seated area so I could chat to my cousin while waiting for her to finish work.  We were joined by the management of the pub and bar staff during my time waiting  I was shocked a few days later when I received a demand for £100 from Civil Enforcement Ltd.  i contacted the pub and was told "don't worry, it's not enforceable". Well, that information turned out to be nonsense because I have now received a county court claim form from CEL. I contacted the pub again on XXXXX and was extremely disappointed to be told "there's nothing we can do". Of course there is something you can do.  You are the organ grinder.  You called CEL in.  You can call your dogs off.  Your pub has absolutely superb reviews on Google Maps regarding the way in which you treat guests.  Do you really think customers should be dragged to court?  I'm sure you don't. I am therefore requesting that you intervene and instruct CEL to cease court action. Yours, XXXXX
    • Thank you - Defence has now been filed Doc_20240501_182920_Redacted.pdf
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
    • The US central bank has left interest rates unchanged again, noting a "lack of further progress" toward lowering inflation.View the full article
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Abbey and Credit Report


rob200375
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Hi,

 

I have a loan for a while now with Abbey, abouut 18 months ago I checked my credit report and it showed they had been marking a "1" on my account for 12 months, t(this means 1 month late), i contacted abbey and they said I was up to date and this was an error on there part so they eventually rectified this, I then check my credit report again and they have again for the last 7 month been adding a "1" next to my report, this is off course been affecting my credit applications, what can i actually do or get from them for this.

 

any help suggestion greatly appreciated.

HSBC :Cry:

Data Protection Act sent 25/05 - statements received 06/07

First letter sent 07/07 - no response

Second letter sent 26/07 - 70% offer - refused

MCOL issued 01/09 - acknowledge 05/09.

 

First Direct :D

DPA sent 09/06 statements 22/06

First Letter sent 23/06 - settled in full 28/06

Timecard

DPA sent 04/08 statements 12/09

First Letter sent 12/09

 

Marbles :!:

DPA sent 04/08 statements 24/08

First Letter sent 25/08 - refused to pay

Second Letter sent 26/08

Egg :evil:

DPA sent 04/08 - still awaiting

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Hello,

The first thing I would suggest is write a letter (avoid the phone) to Abbey, outlining the fact that you note once again that they are marking your CR incorrectly, refer to their previous admission that it was their mistake (in the hope that they will acknowledge this fact in writing) and that you are extremley dissapointed in their performance.

Explain that you are concerned that you have now suffered financial loss as a result of their actions, and ask "What They" intend to do to A) Correct the information & B) Compensate you for your loss.

I would give them 14 days to investigate and reply.

 

If they reply, and acknowledge their previous admission, you`ve got them!!

 

Its possible that they will acknowledge and offer to correct the inforation, and offer you some form of compensation, if they do, you will have to decide if what they are offering is enough to cover your loss.

 

1. If they offer nothing, or what they offer is not enough, you need to get a little tougher -

 

If no compensation offered - I would write a more strongly worded letter, and quantify your financial loss as a result of their error, and state that unless they are willing to compensate you, you will have to A) Coplain to the Information Commissioner & B) Consider county court action

 

2. If the compensation offer is not enough - I would write back advising them of the fact and quantify your financial loss, and ask them to re-consider their offer to you.

If they don`t increase the offer as a result of this, I would go to step 1.

 

Good Luck

 

Views Expressed are my own, but if they help, Please Click my Scales

VIEWS EXPRESSED ARE MY OWN - IF THEY HELP - PLEASE CLICK MY SCALES

Halifax - S.A.R - June 06

- Pre-Lim(£1665) July 06

- LBA - July 06

- MCOL - 15th Aug 06

- Acknowledged 18th Aug

- Settled IN FULL :eek:

- 2nd Claim Started - 12 Dec 2006

- SETTLED IN FULL:eek:

- 3rd Claim Started (Phone Call) 1st March 2007

- SETTLED IN FULL:eek:

Abbey National - S.A.R - 23/08/06

- Default Removal Letter sent 21st Sept

- LBA sent with Estimated Charges 4/10/06

- 2nd LBA 23/10/06

- N1 filed 9/11/06 - Deemed Served 16/11/06

- AQ & Draft Directions filed 19/12/06

- Court Hearing 22/3/07

- SETTLED IN FULL:o INCLUDING £5k COMPENSATION

Capital One - S.A.R. 10/10/06

- SETTLED IN FULL:eek:

Alliance & Leicester - Mortgage E/S/C Claim 02/03/07

- SETTLED IN FULL:eek:

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