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    • scan it all up to one multipage PDF read upload carefully   I suspect its the usual stuff they troll out for vanquis card debt those  application forms are not a credit agreement    lots of previous Lowell claimform threads here to read that explains why.   dx  
    • In late 2014, I received correspondence from a DCA acting on behalf of Barclays, pursuing a student overdraft of around £1k from 2003. I hadn't used this account in many years, well over six, and it is my belief (though, in full honesty, I can't actually remember, and can't prove anything) that it was closed a couple of years later in around 2004/2005/2006 (and it wasn't on my credit file in 2014), and the overdraft transferred to RBS (an account also closed so long ago that it is long since gone from my credit file. I certainly don't recall using it after 2004, and it was quite common then to transfer student accounts/overdrafts between banks. I emailed the DCA, stating that I didn't acknowledge the debt, that it would be statute-barred in any case, and requested an original credit agreement. None was forthcoming, and after some back and forth, I invited them to issue proceedings if they felt they had an enforceable credit agreement. They did not respond. I am currently looking at applying for a mortgage, and have noticed that whilst this account doesn't appear on Equifax or Experian, it is on my TransUnion file, showing as set up in 2003 and defaulted in 2015. Does anyone have any advice as to what I should do? The 2019 Doyle case might make my contention that it was statute-barred somewhat shakier, though, equally, I haven't heard anything about it in over five years, I cannot believe that, if the account was not closed/settled in the mid-2000s as I believe, that Barclays would not have issued a default notice before 2015. Does anyone have any advice as to what I should do? I want this off my credit file, even if the account wasn't closed in 2004, I believe that Barclays/its DCA are trying to pull a fast one by recording a default in January 2015, but given that neither party has any records with which to validate their belief/position, it hardly seems fair that I pay out for something that either doesn't exist or ought to be statute barred? A further point is that whilst it is Barclays, the account was opened at a branch in Scotland (where I lived/studied), where I believe that the Limitation period is five years, so, even if it transpired that the default was legitimately in 2015, would the matter now be statute barred anyway? Or would it be six years given that I now live in England?
    • Hi.   Quick update. I have contacted the FOS and asked for written confirmation of the decision made so that I can take court action.   I have had my Cifas report today. It states.   Barclays Bank registered a 1st party fraud report against me on the 30th May 2019. This is the date they closed my account.   Case Type: Misuse of facility. Reasons: Multiple encashment fraud. Cifas Filing: First party fraud - (Opening an account or other facility for a fraudulent purpose or the fraudulent misuse of an account or facility; or taking out and insurance policy for a fraudulent purpose or the fraudulent misuse of an insurance policy and/or insurance policy documentation)   So, they told the FOS early December that my credit file would be amended and any negative reports would be removed, but as of today the account is still in default with Equifax and I still have the Cifas registered against my name.
    • clarification Perhaps look up the latest studies on modern examination of historic smallpox to attempt to map its types and paths..
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hey evryone

i am 16 years old 

today i was caught by a undercover guy and

 

have seen people receive letters and letters demanding money from rlp

i have been told i will recieve a fine of 300 pound which is ridiculous for a 2.50 powder

 

however i would like to know

should i ignore these letters or not

 

im pretty sure my mum will bow down to the pressure of the constant letters

however i wont and want to know if these people actually are legit or should i ignore

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Hello,

 

First things first, were you given a ‘Notice or Intended Civil Recovery?’

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no no i wasnt a man was just took a picture of me and was noting my adress and age

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ignore them totally luxia

 

who said it was a fine 

it IS NOT.

 

only the courts can fine you

and its not going there

 

dx

 

 

 

 


..

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they said it was up to 300 the man was agressive and grabbed me

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nice

and ofcourse totally unlawful.

 

£349.50 is the usual sum RLP try and fleece out of people under some silly civil threats

none of goes to the store

it all goes in RLP's pocket for their next staff holiday paid for by mugs that fall for their twaddle

ignore!!


..

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thankyou so much i thought rlp was a complete [problem] from the start however will they turn up at my house my family are very broke at the minute and we cant afford our stuff being took away

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They won't turn up at your house, they aren't able to do that. If you do get any letters, you may want to come back here for support because these people can word letters to sound scary.

 

The other thing to say is that while CAG doesn't condone shoplifting, we also don't agree with firms like RLP trying to run a parallel justice system.

 

HB


Illegitimi non carborundum

 

 

 

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i dont condone it either it was in the heat of the moment thankyou for ur help the man who vaught me was ver rude and aggressive he hurled insults at me

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 He is paid  to keep the store losses down and if that is achieved by scaring a 16 year old into believing the sky will fall in then they will say that.

 

Now the grabbing bit is a grey area as far as the law goes because the shop isnt a public place like the street but nor is it private like a house because the public are invited in

 

that places a burden for the security guard to show that the actions were reasonable as applied to a public place rather than what he thinks is necessary as applied to a private place so that means they follow a code laid down by their employer and the government.

 

Reasonable has a different meaning to what most people think but would grabbing a 16 year old female be reasonable? hmmmm..

 

However the rights and wromgs of the event dont change the fact that RLP have hothing to do with anything and cant even lawfully process your data if you refuse them the permission to do so

 

so ignore anything they send.

You may wish to speak to your parents about this though so any letter arriving wont be a shock to them

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