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    • OK, thanks, I won't wait for them. On a side note, some of the posts on here are a bit frustrating, I read through five pages or so of someone going through the court process rooting for them as I'm reading, then nothing, not heard of again. Left here wondering what the outcome was, lol!
    • Hello Caggers,   I've been trying for years to get an old EE account wiped off my credit file. It was opened in 2013 and almost immediately defaulted but was shown as "Payment Arrangement" ever since. I contacted EE by telephone in 2022 and was advised it had not been wiped because there was still £69 owing, I paid it and thought it would correct once the CRA's updated their reporting cycle. However, it has still not been removed. I made a formal complaint on 27/03/2024 and have had contact with the executive team who advised that  "EE account ......... has now been deleted from the Credit File as it failed to close as it was reporting the payment arrangement set up despite, as advised this failing which should have resulted in a further default showing.  Please be advised the deletions we have completed take 24 hours to update if a paid service is used to view the Credit File. If the customer uses one of the free services to view the Credit File, the recordings update in 24 hours but the changes can take up to 30 days to be visible on a new copy of the Credit File. I have requested compensation and been advised by EE that another team are looking into this. That was almost 2 weeks ago and there has been no contact since, despite me chasing it. I do not want to go to court and would rather settle this amicably. However,I have been advised that I might have a claim for aggravated damages due to the length of time the incorrect reporting has been on my file and the fact that I told EE about this issue and paid the demanded outstanding amount of £69 almost 18 months ago. Should I just wait for EE to reply or should I start building my case against them? Is their statement admissible as evidence of their blame or do I need to dig a bit more? I made a DSAR which was initially rejected as having no data found yet. I trawled my e-mails from 2013 and found the account number and mobile number, I'm now awaiting the result of my 2nd attempt at DSAR. I have very little in the way of proof of actual loss except a mortgage refusal e-mail from HBOS in 2015. I have also had high interest loans and credit over the last 10 years but again cannot directly attribute this to this one specific error. There were other items on my credit file that could also have contributed to a low credit score too and I'm not out to cash in on anything. I want to make sure I don't end up shooting myself in the foot for any obvious reason and would appreciate any help from anyone who has had similar experience with breaches of DPA.
    • Noted. Keep an eye on the other threads here including the update a few hours back by Rob Carr.
    • dont need statements. nor std info sheets. EVERTHING else  dx
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Time limit on debt collection???


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Hi again - more advice please ! :confused: MucK Hall have now sent (carrying on from the above threads) another "letter" to me resembling a P45 with tear off edges - inside stating that they have had no response from me and unless I contact them in 7 days ? they will send "field collectors"

any pointers...................thanks.

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  • 1 month later...

Hi again - another letter from Muck Hall ! this time stating this is the final offer as the "Client" has reduced the amount outstanding by around £300 and this is a "generous" offer !!! LOL. The offer is "time barred" and won't be made again !! I guess just like the Debt itself :confused:.

 

and kindly included a direct debit mandate for me to sign......whats odd though is that the balance they want (same ref no) varies from around £650 to £1,472 and now the generous discount to £1,100 !!

 

Shall I ignore this one also :confused:.

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Yes ignore them.

 

Incidentally they put the bit in about it being 'time barred' not because IT IS time barred but in the hope that should the OFT jump on their necks they can claim they told you the debt was time barred ........so no harm done Eh gov..........otherwise why not just say, as is normal, "this offer is 'time limited to x days

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I have an outstanding debt that dates from 2003, I receive letters every so often from different collection agencies but have not responded.

 

My Experian report says that the default was on 30th Sept 2003.

 

Does that mean if I don't do anything till October this year, the debt is unenforceable?

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I have an outstanding debt that dates from 2003, I receive letters every so often from different collection agencies but have not responded.

 

My Experian report says that the default was on 30th Sept 2003.

 

Does that mean if I don't do anything till October this year, the debt is unenforceable?

 

NO.

 

Thats the date the default was put on the account, the last payment would have probably been at least 3 months before this!

 

Remember it's stat barred from the last payment, not the default.

 

Jogs

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Thanks for that, but just to clarify.

 

I had another debt that has a default date of 16 July 03 on the Experian report, but I have a note that I made a payment as part of an agreed repayment plan in Jan 04.

 

When does the 6 year clock start ticking from, the default date or the last repayment date?

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Thanks for that, but just to clarify.

 

I had another debt that has a default date of 16 July 03 on the Experian report, but I have a note that I made a payment as part of an agreed repayment plan in Jan 04.

 

When does the 6 year clock start ticking from, the default date or the last repayment date?

 

 

Last Payment!

 

JOgs

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  • 2 months later...
Hey thanks guys - I will ignore them - if ? I get any more "letters" I will let you know, cheers again it's hard to know what to do without your help !!!

:D

 

 

Hi Guys , Not been on for a while (so things must have looked up !!:)) BUT I have had another letter regarding this old debt, this time not from Muck Hall but from "Meritforce" Door Step "Collectioneers", based again in Scotland, letter headed "AUTHORISED COLLECTOR VISIT" - they have given me until the 25th May to pay up, stating they are acting for Mackenzie Hall ???:confused: is this another "ignore" letter - thanks in advance - RF ;)

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  • 3 months later...

i received a letter yesterday from debt collecting agency concerning a loan account with abbey.although i held an account with them it was not a loan account.the debt collection agency say cant give me any information except to say was from 1994.this is first correspondence concerning this matter.what do i do?

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i received a letter yesterday from debt collecting agency concerning a loan account with abbey.although i held an account with them it was not a loan account.the debt collection agency say cant give me any information except to say was from 1994.this is first correspondence concerning this matter.what do i do?

 

 

hi, welcome to cag.

as ODC says statute barred.

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

 

send them a copy of this.

print name.do not sign

 

SAM

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  • 2 years later...

I'm glad I came and looked at this page. I've started getting nasty letters from a firm that I last had dealings with 11 years ago threatening to come and take all my possessions. My partner was getting miffed with me (to say the least) but I am not sure where the debt has even come from!!! I only know it was that long ago as I reverted to my maiden name 11 years ago and this debt is in my married name. I was beginning to panic at the thought of them coming here - but I have just telephoned them and told them that no one of that name lives here - which is true. If they send another letter I will let them know that I know the law this time! Would they even turn up at the door or is it all threats?

:oops:

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  • 2 years later...

I once got a letter from red ref an old phone bill. I knew it was past the date that they could claim it so I replied asking for details of all letters between me and the people I owed the money to. they replied with a letter saying something like "sorry, we contacted you by mistake".

I've now (today) got a letter from lowell, asking if I once lived at another address, which I did. I'm not replying to it, just going to wait and see what happens next. I'll keep you all imformed

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I once got a letter from red ref an old phone bill. I knew it was past the date that they could claim it so I replied asking for details of all letters between me and the people I owed the money to. they replied with a letter saying something like "sorry, we contacted you by mistake".

I've now (today) got a letter from lowell, asking if I once lived at another address, which I did. I'm not replying to it, just going to wait and see what happens next. I'll keep you all imformed

 

This thread is 7 years old

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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