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      10 years of incorrect reporting to CRA's by EE

      By ch114275 · Posted

      Thank you for your reply, DX! I was not under the impression that paying it off would remove it from my file. My file is already trashed so it would make very little difference to any credit score. I am not certain if I can claim compensation for a damaged credit score though. Or for them reporting incorrect information for over 10 years? The original debt has been reported since 2013 as an EE debt even though they had sold it in 2014. It appears to be a breach of the Data Protection Act 1998 Section 13 and this all should have come to a head when I paid the £69 in September 2022, or so I thought. The £69 was in addition to the original outstanding balance and not sent to a DCA. Even if I had paid the full balance demanded by the DCA back in 2014 then the £69 would still have been outstanding with EE. If it turns out I have no claim then so be it. Sometimes there's not always a claim if there's blame. The CRA's will not give any reason for not removing it. They simply say it is not their information and refer me to EE. More to the point EE had my updated details since 2022 yet failed to contact me. I have been present on the electoral roll since 2012 so was traceable and I think EE have been negligent in reporting an account as in payment arrangement when in fact it had been sold to a DCA. In my mind what should have happened was the account should have been defaulted before it was closed and sold to the DCA who would then have made a new entry on my credit file with the correct details. However, a further £69 of charges were applied AFTER it was sent to the DCA and it was left open on EE systems. The account was then being reported twice. Once with EE as open with a payment arrangement for the £69 balance which has continued since 2013 and once with the DCA who reported it as defaulted in 2014 and it subsequently dropped off and was written off by the DCA, LOWELL in 2021. I am quite happy for EE to place a closed account on my credit file, marked as satisfied. However, it is clear to me that them reporting an open account with payment arrangement when the balance is £0 and the original debt has been written off is incorrect? Am I wrong?
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Faulty Sony Bravia bought from Argos

Doingmybest

By Doingmybest
in Argos

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Doingmybest

Doingmybest

Posted
Posted

Just needing some advice really.

 

I purchased a TV from Argos on 1 Jan 2019. Worked perfectly until last night.

Unable to make contact with Argos by phone or Live chat as they direct you to the manufacturer. I did call the Sony and they said that as it's out of guarantee 

I would be charged for any repairs.

 

My understanding is that my contract is with Argos and not Sony and it sticks in my throat that I paid £740 for a TV I expected to last around 5 to 7 years

to only last 2 years and 4 months.

 

Argos appear to be making it impossible for a customer to make this type of complaint to them as you can't speak to them or live chat unless it is an existing order or within 45 days.

 

Does anyone have an email address and any advice as to how to take this forward please?

 

 

 

 

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dx100uk

dx100uk

Posted
Posted

probably the power supply board gone down? won't turn on? 

nothing to do with sony st all

under CRA 2015 argos have one chance to repair FOC to you but you'll have to get an independent report at cost (refunded by argos) as you are outside 6 mts.

 

Argos complaints email & Phone number | The Complaint Point

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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BankFodder

BankFodder

Posted
Posted

Come back here when they start to lead you around by the nose and decline any responsibility and we'll take you through the next step

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Doingmybest

Doingmybest

Posted
  • Author
Posted

Hi,

 

I've received this from Argos. Is what they're saying correct or should they send someone to examine the TV?

 

"I'm emailing today as your email has been forwarded to my department to look into further as it isn't an Argos Store Card query.
 
I'm sorry to read your television has developed a fault and for any disappointment this may have caused.
 
All of our products come with a 12-month guarantee on the provision you're able to provide us with a valid proof of purchase.
 
As your order was originally collected from store, any returns need to be processed on the stores system due to the way they operate, we're unable to access them to action this from a contact centre setting.
 
I can confirm that faults can be reported for up to 6 years after purchase, this does not mean you will qualify for a free repair, full refund or replacement. We would take into consideration the length of time you've had the item and the nature of the fault.
 
As your 12-month warranty has expired, we will now assist you under the 6-year duty of care. We'd be in a position to offer a pro rata refund only for fair usage as outlined in the Consumer Rights Act 2015.
 
With this in mind, we'd kindly ask for you to obtain an independent report conducted by a qualified professional related to your item.
 
It’s really important that your report meets the criteria listed below:
 
•    Be on letter headed paper.
•    Be completed by a registered tradesperson.  
•    State the nature and cause of the fault.  
•    Include your order number, name and address details along with any costs for the report invoiced.
 
Once you have obtained the report, please return your television, proof of purchase and report to your local store and my store colleagues will be happy to assist you with your return."
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dx100uk

dx100uk

Posted
Posted
On 26/04/2021 at 19:25, dx100uk said:

probably the power supply board gone down? won't turn on? 

nothing to do with sony st all

under CRA 2015 argos have one chance to repair FOC to you but you'll have to get an independent report at cost (refunded by argos) as you are outside 6 mts.

 

Argos complaints email & Phone number | The Complaint Point

as i said above 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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BankFodder

BankFodder

Posted
Posted

Respond to Argos and make it clear to them that you will be getting the report that they are requesting but that if it incurs a fee, you will be expecting them to reimburse you.

Give them two or three days to respond – but if they don't, then don't worry – they have been warned.

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BankFodder

BankFodder

Posted
Posted

Also, you need to start doing some research as to the reasonable life expectancy of this television.

You can be fairly certain that if others do step up to the mark, that they will try to reduce the amount of money that they will pay you.

They are quite right that there has to be a pro rata compensation based on the two years of use as a proportion of the expected life expectancy.

For instance, you have had two years of use. If they say that the set should have lasted for six years – then they will try to give you two thirds.

If you are able to argue that the set should have lasted for eight years, then your position would be that they should refund you three quarters.

I hope you get the picture?

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BankFodder

BankFodder

Posted
Posted

Well wait for them to make their offer. Make your pitch for eight and see what happens

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