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    • Thanks DX - I wondered about the blacked out bits. That's their doing not mine obviously.   Attached is the exhibits part of the bundle. Sorry about this, no matter what I compressed the whole thing down to I got the oversize message, even if the filesize on my computer was showing as well under 4.8mb   The_exhibits-compressed.pdf
    • Thanks Bankfodder!   Hello again everyone.    I received my SAR back from Elderbridge and what and absolute load of **** it is!   1.  They did not send any transcripts or recordings of any phones calls  - both myself and my husband spoke to them in Aug 2016 (noted in their diary notes) and I called them in Dec 2018 (again noted in their diary notes) it was the same day they sent the reply even though they have mentioned me calling in their notes on that day, so not sure I should let that go or not!   I also spoke to them in July 2016 (again in the notes) and I spoke to them in Dec 2012 (again in the notes)    2.  Going through the diary notes in the beginning notes were sporadic mainly because we were making payment and everything was ok, then later as things changed there were notes almost once a month, then in NOV 2012 and Dec 2012 frequency of notes increase as this is when they began court proceedings.  and throughout 2013 again lots of notes made - mostly their in house stuff about court dealings and so on - so that's fine. then in NOV 2013 hey made a not re the court date in OCT - saying that they were ordered to treat the loan as having a fixed rate from inception and sent off etc.  BUT from 21 Nov 2013 to 17th June 2014 there are no notes at all!  Now the hearing was on the 10th Jan 2014!   17/06/2014 14:43 *****Substantial EVS costs to be added to any SF ****** 17/06/2014 14:43 EVS Defended + At the hearing on 10/01/2014 an SPO for 500 on 26/01/2014 and then CMI + £60 wef 26/02/2014 plus MJ for £103,331.03 suspended on the same terms. It was also held that we could add our costs - Defended costs on this case are £33,879.80. 17/06/2014 00:00 Reviewed Reviewed 17/06/2014 00:00 ***Defended Costs*****:To be added to any SF ***Defended Costs*****:To be added to any SF 21/11/2013 04:13 ADHOC Statement Printed From 03/10/13 To 13/11/13 Batch 2015 Sequence 28 Printed 13/11/2013 00:00:00   Above you can cleary see the gap then suddenly the first notes talk about the court case and costs etc, at the trial in OCT the judge reserved cost till the next hearing (also stated on the documentation from the court)  but then at that hearing in Jan 2014 we did not discuss costs - the 6 month gap I feel is very suspicious.    The final court document  dated 13th Jan 2014 says to pay the claimant £103,331.03 which is the amount outstanding under the mortgage and goes on to says order were not to be enforced as long as we pay etc.  no mention of costs at all - so they seem to just be adding them   3.   They sent a field agent to me in Jan 2018, I only knew this as on the 9th Jan 2018 I was working at home and heard the letterbox, thought it was the postman, went to the door to find an envelope shoved through the door with a letter in it saying they had been requested to visit me and that they called today but I was not in! and gave a number for me to call ( I saw the woman walking down the driveway - but she did not ring the bell! and I wasn't about to run after her!)   But in the notes they have written this utter lie!   30/01/2018 12:44 Field Agent Report Received The field agent visited the security address on three occasions. The customer was spoken to through the window. They refused to discuss and refused to answer the door. The contact number on file is not recognised. RFA - Not known Reasons for items not verified:N/A Details of variances of items outside of expenditure guidelines and reasons N/A Property is a detached house in good condation valued at £406,000. Equity not known. I actually cannot believe what I have read here! Can I ask them for some kind of proof of this, because I don't know who they are talking about but it certainly wasn't me!   4.  the documents they had sent me a joke, they have sent 77 documents in total, none of these are copies of letter from Elderbridge (which is who I sent the SAR to) all from First Plus and certainly not ALL of them, they have been bulked out by sending me copies of documents that I sent TO THEM for my court defence and there are strange Black boxes over some of the text!? which I don't understand!     After receiving this info from Elderbridge I decided to send a SAR to Barclays and I got a small package with a couple of letters, some diary notes and screen shot of the account, as well as a short statement of account. This was for our ORIGINAL loan from Feb 2006,  (we topped it up in June 2006) and the first one was closed.  The second one is the one that has been transferred to Elderbridge but Barclays seem to know be denying ALL knowledge of it! and I know that they still hold the beneficial interest of these loans and that Elderbridge regularly contact Barclays for help and advise - I have contact with other account holders who have diary notes from Elderbridge showing contact to Barclays!..   This week I also had a reply from the FOS (only from an adjudicator not an ombudsman) and his initial opion is that it's ok for Elderbridge to claim the costs as we defaulted, he seems to be ignoring my argument that the relationship is unfair etc but I will be sending this back and asking for it to be looked at by an ombudsman.   But was hoping that someone here could give me any advise re all of this - sorry I know it's a lot!!
    • why all the blanked out stuff in the parking contract? and no proof its paid this year either?  
    • pop the exhibits as a sep file i'll merge them for you
    • Thanks.   I've managed to reduce the file size and deleted from this copy all of the pages of photos and copies of the signs. Just their witness statement and the photos of the car parked up remain.   They say "My company relies on Parking Eye v Beavis (2015) in which it was accepted as an established principle that a valid contract can be made by an offer in the form of the terms and conditions set out on the sign and accepted by the driver's actions as prescribed therein"   Is there a refutation to this case anywhere? Or do I not argue that  and just refer back to EB's earlier post and focus on the signs?   "What you are writing is roughly your side of events and referring to the evidence you can provide so that will include their signage, any evidence or lack of authority for them to offer anything, their paperwork if that doesn't create a liability, the POFA where the vital phrases have been missed by the parking co or the timescales missed.   then you pick holes in the wording and substance fo their claim, for example, contractual sum or breach of contract - they are different. are they claiming from you as driver or keeper, cant assume they are one and the same.   What about the amount claimed? it will invariably include unicorn food tax so if they are saying keeper ia liable they are limited to asking for the amount shown on the NTK and you should make this clear as it helps damage their assertion that driver and keeper liability are the same thing   As they havent responded to your CPR request for documents you can start off with that but it isnt a golden bullet, "   thanks Bundle_the_approved,_signed_statement_with_the_exhibits-_Reduced.pdf
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TeenyBash

Vodaphone - Removing Arrangement To Pay Markers

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my partner is looking to apply for a mortgage soon

I've been helping him look into his credit files etc.

 

I noticed in 2011 he has some AR markers from Vodaphone.

He can't, to the best of his knowledge, remember any such arrangement.

 

Account opened: Feb 2009

Account closed: Jan 2015

Account status: Settled/Closed

 

Following dates marked with 'AR':

2011 - Jul, Sept, Oct, Nov, Dec

2012 - Jan

 

Dates thereafter:

Feb 2012 to closing of account in Jan 2015 all marked as 'OK'.

We've wasted two afternoons trying to get clarification from these jokers.

 

Firstly on live chat,

where they said they WOULD remove the AR markers as the account shows as settled (erm, right), but we'd need to call them.

 

Same day called the number they suggested.

2 hours on the phone on hold and getting passed around,

 

won't bore you with the details.

Promised call back Tuesday, naturally they didn't call back.

 

today we called back.

Again, several hours on the phone

- Not passed to credit file support team as requested.

 

Listened to a load of waffle,

then told credit file support team now closed anyway.

Told will call back tomorrow, will receive a text with details.

Haha, did we hell.

I'd bet good money they won't call back.

 

with the view of getting these AP markers removed

, what would you suggest is a good course of action to take?

 

As it stands,

I've just typed up a SAR request which we will send with proof of identity tomorrow.

 

Anyone had experience with this sort of thing? I'm doing my usual trawling of the forum for similar cases.

 

Many thanks, as always.

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you did nothing bad

but good reading there.

 

 

dx


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Just been reading through the threads...

 

Wondering, since I'm SARing Vodafone - if they cannot produce proof of the agreement to pay - do we have grounds to request removal of the AR/AP markers?

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sadly doesn't work like that.

 

 

dx


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Ok - I'm just trying to figure out what leverage we have, if any. The account is closed and settled, so no bargaining power there.

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All threads I've read relate to creditors that have credit agreements, obviously that isn't the case with Vodafone.

 

Vodafone just waffle incoherent babble on the phone. Even said AP/AR markers don't effect credit file negativity - Pull the other one. If they fob him/us off with nonsensical rubbish again, I guess I'll just await SAR, maybe contact customer complaints. Exhaust all avenues then contact Communication Ombudsman Services and Financial Ombudsman, I guess.

Edited by TeenyBash
Typeos - Oops.

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Update on this. Still no reply from Vodafone after they signed for complaint. Shortly be approaching 28 days since first contacted them about issue. Credit ref agencies said wait 28 days, then if no response they will lodge a dispute with Vodafone. If Vodafone do not produce evidence of agreement to credit reference agencies, they will have remove it, according to credit ref agencies.

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Update.

 

 

Today is the 28th calendar day since Vodafone signed for the complaint letter, and thus the complaint can be escalated to the communications ombudsman.

 

Original letter only displayed an address and asked for all correspondence to be made to that address.

None received.

 

However, today my partner received a rather panicked email (no email mentioned in his original letter as a return correspondence form, must have found on old account info) from someone at Vodafone saying they are very sorry etc

 

they have looked into the complaint and they will remove the AP/AR markers.

Obviously knowing full well they haven't responded nor debt in the way they should have.

 

But hopefully this is a 'win' situation.

However, won't hedge any bets until they confirm action via postal letter!

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well reply to the email and state they are still showing


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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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Reclaim mis-sold PPI Read Here

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They said in the email they have submitted for them to be removed, it can take up to 30 days to show?

 

Letter also received in the post last week confirming what they had written in their email,

 

plus transpires I actually found the email address of a Vodafone director and contacted them about the situation (I'd forgotten I'd done that), and that's the only reason the matter has been addressed.

 

Vodafone are the pits.

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