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    • @jk2054 - I haven't started a claim with OIC or MIB yet, due to being unable to obtain the name of the other driver.  @BankFodder cheers for that, I'll go back to them with this info & update on here when I've had a response.
    • Andy thanks for your reply. No i am now being evicted from the house i moved into after that previous post. The letting agent lied to me when they said the landlord would not be selling the house. SHe did not mention that the landlord tried to sell the house last year, i was not told this, 4 months into the tenancy i got the eviction notice. Its obvious they lied to me and used me to fill in the gap between their attempts to sell the house. I have filled in the defence form as it was easy to follow the old one from my previous post. I will post it later on in the hope someone can give it the once over. It has to be in by the end of this month may 31st.  
    • It's a GR Yaris - Finance is with Alphera, who are part of BMW I believe. I'm sure the unit is very expensive to repair, I have even told them I would be happy with a refurbished/reconditioned unit, in trying to be reasonable as well.
    • Without seeing this envelope, document and sticker it is impossible to advise properly. However, just going on what you have told us, there are two ways you can deal with this: !. The easy way. This has the lowest risk but the guarantee of a penalty for speeding.  You can respond to the SJPN by pleading “Not Guilty” to both charges. In the “Reasons for pleading Not Guilty” box you can explain that you responded to the request for driver’s details but it was recently returned to you, seemingly not actioned. However, you are willing to plead guilty to the speeding charge providing, and only providing, the “Fail to Provide Driver's Details" (FtP) charge is dropped. You could also ask the court to consider sentencing you at the fixed penalty level (£100 and 3 points) as this prosecution seems to be the result of an administrative problem outside your control. 2. The not so easy way with higher risk. This could see you convicted of the FtP charge but has the possibility that you escape with no penalty whatsoever. You can do the same – plead not guilty to both charges. If you go down this route the speeding charge cannot succeed as they have no evidence you were driving. This comes from your response to the request for driver’s details which the police say they have not got. You can mention in the “Reasons” box that you returned the request for driver’s details as required. You will then face a trial for the FtP charge and you can produced your response together with the envelope and sticker showing it had been returned to you. The risk with this is that if your defence fails you will be fined a week and a half’s net income, pay a “Victim Surcharge” of 40% of the fine, pay prosecution costs of around £650 and have six points together with an endorsement code (MS90) which will see your insurance premiums rocket.
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Barclays OD - 5 Defaulted Accounts on CRa file !! 4 from lowells !! for the sane debt!!


tifo
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what they're saying is that since i have many other defaults, then their extra 3 made little difference, unless i can get proof from the loan/mortgage bank that it did.

 

its a difficult one to quantify when i have many defaults and 3 CCJs.

 

but, it is true that their defaults did make some impact. It's just proving that point.

 

anyway, we're still in negotiation.

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Hi tifo, I have just subscribed to your thread. Whilst reading your thread ive had my hands gripping onto my chair wondering whats going to happen next! Ive just written a brief letter to HBOS for defaulting me twice with every credit reference agency on the same account for an unauthorised overdraft. I too have asked for complete removel of the 2nd defaults along with proof thay they notified me of the first one and ive asked for compensation (but not stated an amount).

 

Have you got an update on your case yet?

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no update as yet ...

 

i'm still waiting for the comprehensive reply that their director keeps 'threatening' me with.

 

but they have closed the two accounts and i don't know about the default removal as i am still waiting for updated reports.

 

there remains the compensation issue which they are not agreeing to.

 

so far, all the 'appropriate' organisations such as Information Commissioners Office, TS, CSA etc have been totally useless and not even bothered to reply to my complaint.

 

i might start considering legal action soon as its taking the urine now.

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  • 1 month later...

finally .... something happened.

 

they've already offered to write off both the debts but no compensation. I'm refusing at the moment as i'm saying they have to write them off anyway as no proof of ownership.

 

so, today after 6 months, they send me documents ....

 

basically .... NOTHING! ....

 

all they sent are statements from each creditor, which i did not ask for and i do not need as i have them anyway.

 

for one credit card account, they sent a photocopy of the APPLICATION FORM containing nothing but my name and address and signature box on an A5 sheet of paper (half an A4). No other text.

 

so i've politely told them to write off the accounts completely and also remove all defaults and provide compensation, as i've had enough of this and for them to send me what they have done after 6 MONTHS is nothing short of a p**stake.

 

does anyone know who the top guy is at Lowell as his monkeys have no idea what to do?

 

comments anyone.

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  • 2 months later...

ICO have concluded their inquiry.

 

Lowell have admitted to breaching the DPA in two instances (well, what could they say) and the ICO advice to use the court to claim compensation under s.13 DPA.

 

ICO say they have no powers to punish any company.

 

rang Lowell and said yes, we know, but we are not going to offer any compensation, other than the offer to write off the accounts as we did before.

 

but since then, the credit card provider has sent my refund to Lowell so the write off now is much lower than the write off before and i am losing this refund.

 

if i issue proceedings for compensation under s.13 DPA and use ICO letter as evidence, as well as my credit files, what are the chances i will get something more than what they're offering now (no s.78 CCA compliance and write off accounts which are probably unenforceable anyway)?

 

i cannot show any financial loss other then the effect on my credit score and financial credibility etc.

 

any advice?

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Now to claim compensation from the court re s.13 DPA and FOS guidelines for non-financial loss as well as kpohraror vs Woolwich precedent where the price of a default was set at £1,000 + value of default. For 3 seperate defaults i would be asking nearly £4,000.

 

They are chasing the account in question but my claim against the OC has been put on hold re test case and is about £300 more than the amount Lowell are asking, without supplying any requested agreements etc. It was a business current account so s.77/s.78 does not apply.

 

How should i start the ball rolling as any advice would be very helpful.

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You should include the phrase "Section 10 notice under the data protection act 1998 to rectify data" in your letter.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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You should include the phrase "Section 10 notice under the data protection act 1998 to rectify data" in your letter.

 

they corrected the mistake in April but i want compensation because Lowell Financial had absolutely no right ever to default me in addition to Portfolio as they are only an agent.

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  • dx100uk changed the title to Barclays OD - 5 Defaulted Accounts on CRa file !! 4 from lowells !! for the sane debt!!
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