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    • It could work 2 ways it might make them decide to bail out and withdraw ilast minutef they can't counter it, or plod on and try to wing it on the day
    • Incidentally, if you manage to reach Barclays about this then the best way to attract their attention is to tell them that this is the beginning of a formal complaint which you are taking to the financial ombudsman service. Tell them that you want a complaint reference number and they have eight weeks to respond before you go to the FOS. Tell them also that even if they put an end to the emails and address the problem, you still want to go to the FOS and to the ICO although you may be prepared to reconsider if they offer you reasonable compensation for the inconvenience to which you have been put. I suggest £50. Start the bidding at £75.
    • Wont work I am afraid, at least not in itself. Broadly, a creditor can record a D on a re arranged debt under certain circumstances.   Yes I know, completely unfair, and needs challenging, in court desperately.   I would make your complaint, and when you get the final response go to the FCA ombudsman,   The number is freely available, you ring in the first instance and he will tell you what he needs.   Generally, if you make a fuss they eventually cave in to avoid court action, but it requires perseverance and can take a while.   I think i stated the situation elsewhere on this forum.   @ London. The Section 87 notice is a requirement of the CCA, and has nothing to do with data recording. Although you should check if a warning of filing the debt was issued 28 days before it was placed on the record.   @Andy A notice of correction is a mixed blessing to say the least. All they do is disrupt the initial search from a prospective lender, generally they do not proceed to to examining the account, if the search is "footprint free" the creditor cannot see it without registering the search. 
    • It's unlikely you will be able to stop them – but you should certainly be building up a paper trail of messages to Barclays informing them of their data breach and that they should stop. Do the emails give you any indication as to who the person is? Is there sufficient information for you to contact that person directly? Also I think I would contact the ICO
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
      I opted for mediation, and it played out very similarly to other people's experiences.
       
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
       
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
       
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
       
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
       
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
       
      Many thanks, stay safe and have a good Christmas!
       
       
        • Thanks
    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
    • Natwest Bank Transfer Fraud Call HMRC Please help. https://www.consumeractiongroup.co.uk/topic/428951-natwest-bank-transfer-fraud-call-hmrc-please-help/&do=findComment&comment=5079786
      • 33 replies

Lloyds Bank linking wrong information again !!!


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Ill start by stating i have never had any dealings with Lloyds Bank in my life but they have registered accounts on my credit report.

 

There is two accounts on my file one mortgage for an address which is not mine and also a credit card again which is not mine.

 

The mortgage is in serious arrears and the credit card is listed as defaulted.I am also receiving debt collection letters.

 

I have had problems with Lloyds in 2010 - 13 where they also had a CCJ against me.

 

They also sent a letter from there solicitors to my address stating i was a fraudster. (see attachment)

 

I managed to get things erased from my credit file eventually through a lot of hard work , and eventually i went to the newspapers and FOS who helped me sort it.

 

I received a disgraceful amount of compensation for what they had put me through and now they have managed to wreck my credit file again.

 

I have sent SAR off and i am awaiting response.

 

Again this is for a person with the same name and DOB as me but this person has a middle name and i do not.

 

Any help or similar experiences with this kind of thing would be good to know so i can again chase them.

 

Thanks.

 

Sorry attachment here from mentioned above.

 

see my other links

 

https://www.consumeractiongroup.co.uk/forum/showthread.php?488056-Barclays-default-not-mine-!!!&p=5129009#post5129009

Lyons Letter.pdf

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HI Luco - This sounds to me like you need Lloyds Exec team to deal with. Id email the CEO

Go to CEOEmail to get the email address. IUf you need help drafting something - Please do let us know.

 

You could be due a big payout as this will affect your credit file!! Can cause higher APR Rates and reduced credit limits on cards...!!

 

FKO

 

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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I'm sorry but I don't think this is at all suitable for an email to the CEO. I understand that there was an exactly similar problem with Lloyds about seven or eight years ago which was eventually resolved after a big struggle, a decision from the FOS and some kind of court action.

 

Now Lloyds are doing it again. Last time Lloyds got away with a desultory compensation.

 

I think this needs to be done formally rather than letting them deal with it in-house.

 

I think the best thing to do is wait for the SAR and then start making formal complaints in various places.

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Hopefully this will clarify how the CRAs work , i have posted here a couple of paragraphs from my letter i received off Experian about Lloyds , i have also attached the full letter for those who have PDFlink3.gif reader, which i would advise reading.

 

 

 

“As we have advised in previous correspondence, the companies who provide the credit reference agencies are the ones who are ultimately responsible for the accuracy of the data they send to those credit reference agencies”

"As previously advised, any instance of Experian providing your address or any other address to a company as a 'POSSIBLE' address for there creditor would have been on the strict understanding that they take the appropriate steps to ensure they have established that their creditor does indeed live at an address before linking them with it"

Thanks.

Experion FOS letter1_1.pdf

Experian FOS letter2_1.pdf

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I'm sorry but I don't think this is at all suitable for an email to the CEO. I understand that there was an exactly similar problem with Lloyds about seven or eight years ago which was eventually resolved after a big struggle, a decision from the FOS and some kind of court action.

 

Now Lloyds are doing it again. Last time Lloyds got away with a desultory compensation.

 

I think this needs to be done formally rather than letting them deal with it in-house.

 

I think the best thing to do is wait for the SAR and then start making formal complaints in various places.

 

 

 

 

I will definately be waiting for the SAR before proceeding thanks.

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  • 4 weeks later...

Just an update to let everyone that is following this thread know whats going on so far, Lloyds like all of the banks i have dealt with have requested a further 60 days to produce a SAR. Ill post again in September.

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