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    • Plusnet complaints have offered about half the money, £150 up from £100, and their excuse is that two accounts were created. The story is I signed up for life mobile on 26/02/2016 and cancelled almost immdiately after. The initial payment to Lifemobile of £6.00 was refunded a week later, but a DD was setup for the account and the account was not cancelled. A month later on 31/03/2016 I signed up for a lifemobile account again at £5.95, made an initial payment and a DD was setup.  They have suggested I now go through the ombudsman, or should I go through the direct debit guarantee scheme as Plusnet are contesting it is a contractual issue, when I think it is an admin error on their part.   2016  * is the ghost account 26/02/2016                 CARD PAYMENT TO LIFEMOBILE.CO.UK,6.00 GBP, RATE 1.00/GBP ON 24-02-2016                                       £6.00*   Inital contract setup payment 02/03/2016                 CREDIT FROM LIFEMOBILE.CO.UK ON 2016-02-29                                                                                               £6.00*    Inital contract setup payment  refunded   31/03/2016                 CARD PAYMENT TO LIFEMOBILE.CO.UK,5.95 GBP, RATE 1.00/GBP ON 29-03-2016                                       £5.95 - New contract initial payment  08/04/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £6.00 * - DirectDebit setup for cancelled contract   11/05/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £6.00 * 16/05/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £5.95   15/07/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £10.22 11/07/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £6.00 *   16/06/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £6.25 10/06/2016                 DIRECT DEBIT PAYMENT TO LIFE MOBILE REF KIN731007, MANDATE NO 0013                                           £6.00 *       Response from Plusnet/Life Mobile:   Thank you for your time on the phone earlier on today, apologies for catching you at an inconvenient time. I will now keep the method of contact to email as requested.   Having investigate further into the above accounts I can confirm that:   Kin731007 was set upon the 26/02/2016 via Life Mobile and a welcome email and pack was emailed to the given email address of @hotmail.co.uk. On the welcome email it explained that the SIM only package was £6.00 per month and it was advised that we would be taking this payment on or after the 8th of every month. The bank details given were from a Santander UK account. There has been no usage on this account.   Kin7310071 was set up on the 05/04/2016 via Life Mobile and a welcome email and pack was sent to the given email address of @hotmail.co.uk. On the welcome email it explained that the SIM only package was £5.95 per month and it was advised that we would be taking this payment on or after the 14th of every month. The bank details given were from the same Santander UK account that was given when kin731007 was set up.   When you terminated the account kin7310071 via the PAC switching service in December 2019 you then on the 27/01/2020  received an email request for a payment of £12.60. Upon calling the mobile contact centre it transpired that this bill was a request for payment for account kin731007. You advised that this was not an account you were familiar with as it has a different telephone number to the one you had been using. It was at this point it was established that you had been receiving two separate bills each month but it was your belief that these bills were just a duplicate even though the amounts were different each month. It was requested that our fraud team investigate in to this further and at this point you asked for the full refund of the monies paid for the account kin731007.   Our credit and risk team reviewed the account and concluded that as it was opened prior to the account you were using (kin7310071), and given that all the payment details and email correspondence address matched they were satisfied that the account had not been opened fraudulently from our side.   As there now was a late payment marker for this account (kin731007), it has been agreed that we will now note the account as settled from the 09/12/2019 (last payment date) due to no activity, however we are unable to remove the account from your credit file in relation to fraud.   You have been offered a goodwill gesture of £100 by a Customer Services Manager at the mobile contact centre however this was declined. You have asked for a settlement of £271.80 which is the total amount you have paid for the monthly billing of account kin731007. We would be unable to refund that amount due to the account being maintained each month, the fact that a separate direct debit was on the account and that you have received monthly notifications for this account since it was established. I do appreciate however that you have spent some considerable time sorting this issue and understand the inconvenience caused. I would at this stage be happy to offer our final position as a monetary goodwill gesture of £150.00. Should you not wish to accept this we would potentially be in a position of deadlock. This means that both us and you cannot come to an amicable resolution to your complaint and this would provide you with the means to escalate your case to our recommended independent adjudicator, Ombudsman Service, as outlined in our Complaints Code of Practice.   Please let us know how you would like to progress with your case and we can look to take the appropriate action. Feel free to reply via email or if you would prefer to speak with me I can be reached on 0800 587 2677 .  I am in the office until 7pm this evening and back in on Monday.   Kind Regards   Nicola Nicola Wallis Customer Advocates Advisor
    • I cant get through to Kensington - 2 hour wait time! Do you think it might be a good idea to call TLT solicitors and explain that I written to Coast and asked them for the SAR - so I could calculate the charges that were incorrect and then setup the repayment with them - is it worth a phone call to them or not?   Also worried that I have not filled in this court form yet (N11M) - I think I have 28 days!  
    • It seems to me that there is a duty on Barclays to let their customers know about the effects of making these kinds of important decisions.
    • Thank you so much, l really appreciate your points. I can not begin to tell you how this has affected my life, l have not taken the Codeine since 2018, but been treated like a criminal by DVLA if l showed all the facts in this case it would shook people. Once the country is up and running late will try again just the time it takes as been a year now and not sure how much longer l can keep my Motability adapter vehicle for due for renewal in October) and my job, total independence gone for someone in a wheelchair just trying to be “normal” and go to work!! 
    • I have a repayment mortgage. I got a very vague letter stating the arrangement but there wasn’t a lot of information on it. I was offered any options. I was just told that they would take £x amount a month instead of my full mortgage payment for 6 months. 
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Maudymumfuzz

Welcome Finance - Statute Barred? PPi claim rejected but now chased by EOS. Please help...

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Hi again, 

I was going through some old paperwork at the weekend and found the WFS documents, with the PPI deadline looming i thought i would look back at where we up to with it all and then remembered this thread.

 

I did call the FSCS back in January '17 but they advised me to communicate in writing

- i explained no one had responded etc and I wrote yet again but had no reply!!! 

 

So - as we are where we are - is it worth writing to them again do you think?

Or is there someone else we can complain to?

An Ombudsman etc for instance? 

Thank you

 

Maudy :-)

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ring the fscs and ask what is going on.


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi all

Apologies for the delay in posting since last time but I have recently had an ‘unwelcome’ communication regarding ‘Welcome finance!’ after quite some time!

 

It’s a long time since we made payment on this account – well over 9-10 years I am almost certain. (checking my PPi spreadsheet for date info the last payment was made in 2007).

 

As you will see I made a PPI claim to the FSCS which was rejected on the grounds that we owed Welcome more than PPI claim, however the debt had been sold on and after seeking the groups advise I wrote to them and said that a PPI reclaim could not be paid to a 3rd party debt buyer or DCA etc but it got me nowhere – I literally had no response at all!!

 

I was surprised to find two letters (one each for myself and my partner as it was a joint account we held with WFS) when we returned from a short break visiting family,

 

the first letter was rather cryptic and asked that we contact a company called EOS Solutions UK, it reads as if they have traced us by a credit search

– this in itself is a little odd as WFS have been kept up to date with address changes, we haven’t changed address for some time now.

 

The second set of letters (also one each for myself and partner) refer to a previous Notice of Assignment letter (which we have not received!) and this letter states that EOS now have ownership of the debt since 11/07/19.

 

Goes on to say that Welcome have made attempts to clear the balance etc

– which they haven’t as we haven’t heard from them for years!

The PPI claim was done via the FSCS as Welcome were no longer dealing with the claims!

 

My question now is

– we obviously haven’t made any payment on the account for a very long time.

Is it now considered Statute Barred?

If so, why would they contact us like this now?

 

Can anyone help or advise on what we need to do?

I really didn’t expect to hear from these cowboys again :-(  

- I have had the entire house upside down looking for my paperwork this evening and I finally my other half located the entire lot of it this morning! I would really appreciate your help.

 

Thank you
Maudy

 

 

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EOS don't buy debts.

who are their stated client.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi dx100uk

The opening line of the latest letter reads:

 

‘As we advised you in the recent Notice of Assignment letter, we now have ownership of your debt that was originally owed to Welcome Finance.’

 

We have never received any such letter, and it then goes on to show the various payment options…

 

Thank you for taking the time to reply. I really appreciate it.

Maudy  x

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Is that the info you need dx100uk? Or do I need to look somewhere else? Apologies if I’ve got the wrong end of the stick...

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actually I was thinking of another lot as EOS don't often pop up with regard to welcome.

if you last made a payment to 'whomever' regarding this debt more than 6yrs ago

then if you've moved in recent times 

it might be prudent to send them our SB letter.

 

dx

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Thank you for the reply - that was my first thought (I was successful regarding a Barclays Bank account using one of your templates a while back) 

 

I hadn’t actually heard of EOS before 😐... but aside from not really understanding why they’ve chosen now to send this... my worry was while we definitely have not made any payment on the account for well over 10 years, can they dismiss the statute barring as we have in effect contacted the FSCS to make the PPI claim? If that would count? 

 

Sorry for all the Q’s...

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No its only payments by you effectively


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ok that’s great thanks so much I’ll get the SB letter sent out tomorrow. 

 

 

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Hi dx. 

So i sent out the SB letter as advised (1 for each of us as they had sent us a letter each) and i have proof of delivery for 26/09. Yesterday I got home to find a letter entitled 'Debt Recovery Process' asking us to contact them... blah blah etc.. 

What do we do now? 

 

Thank you 

 

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nothing.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Ok, can they impact our credit files at all? We have worked hard to restore them to a degree where we can apply for a mortgage to buy the house we live in and I wouldn't want anything to prevent that - certainly not 'these'. 

 

Thank you

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would have been defaulted years ago so well off the credit file retention calendar.

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Sorry for all the questions... Can they only a debt default once? I cant see any reference to this on my credit file even though they say they took over in July.

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a debt buyer cannot ever issue a default notice

only the original creditor can

and they did that more than 6yrs ago so..

 

The Information Commisioners Office says:
.
All references to a defaulted debt must be removed from your credit files after 6 years 
has passed from date of default, whether paid off, paying now or not. 
.
{the WHOLE ACCOUNT WILL VANISH, never to return}.
.
{however, this does not mean the debt itself is not still owed
consider a CCA request.}
.
This is so that someone who continues paying something 
- even after 6 years from default 
- should not be at a disadvantage to someone who pays nothing after default 
and ends up with a clean file after 6 years. 
.
NOTE: {the bracketed text is not Information Commisioners Office guideline but my advise]
 

 

 


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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