Exactly the same as me too, I was an Orange customer for years, upgraded to 4G and my account was migrated to EE, all details & phone number exactly the same & bills paid on time but I have a Default registered by Orange for the amount of £60?? Unbelievable.

Just a bit off topic but do you have the email address for EE? I have a wrongly applied Default also and have written numerous emails but have had no response. Thanks

I've had the same response. When I asked PDE what the issue is I just got a standard reply "you are free to contact the FOS etc"

Just to update I emailed my complaint yesterday and I've had a reply today saying they are removing their entry! Just seemed too easy!

Thank you The MMF default has been lodged with a date of almost a year after the original default! Both are still showing as active and there is no mention of anything being debt assigned.

I submitted a complaint to OFT and MMF stopped the harassment. I did not realise they have done this to my report, I am almost debt free so requested a full copy of my credit file and I have been scrutinising it. I am frightened to deal with them again as they're such hard work

Hi everyone, I was wondering if I could have some advice on tackling Motormile for lodging an incorrect Default on my credit file? I am not disputing the debt, however this is for a 1monthloan (think finance) debt which is also defaulted on my credit file, so I have 2 defaults on my report for the same debt. I understand this is common practice for motormile, so any info on how to proceed would be much appreciated!

Anyone have a working email for portfolio recovery? I've emailed the customer service address a few times but getting no response whatsoever but they still continue to harrass me by phone!

It was for a PDL debt. What should I do?

I have an agreement with Mackenzie hall paying them £1 per month. Now I'm being chased by Portfolio recovery for the same debt, I understand that portfolio acquired MH, but surely this means agreements still have to be honoured? Any advice?

Hi all, I always suspected I had missold PPI from RBS but my accounts with them were from approx 17 years ago so I never sent a SAR. I don't have any paperwork or account numbers or anything like that as all accounts are closed. However, a letter has just dropped on my mat today with a cheque attached for £11 for some loanguard insurance interest anomoly?! Obviously this means they still have my details from all those years ago? Do you think it's worth trying a SAR? They have not stated any account numbers on the recent letter....

They're all for payday loans (can't remember which off the top of my head) but it was bpo collections that have notified me. I told them I had set up the £1 per month which they wouldn't accept but I basically said its tough nuts, that or nowt!! Haven't heard back since - this was about a month ago

Hi everyone, I have 3 accounts that are being managed by equidebt (paying £1 a month forever for each of them) however I have had notification that one of them has been passed on to somebody else as Equidebt are no longer. This is fine and I have transferred my payment over but what should I do about the other 2? Should I just cancel my Standing Orders and wait or still continue paying?

Just to update, santander have reduced my balance to 218.39 and are refusing to remove my default :-/ as "they have not acted inapproriately"

Just to update, never heard a peep from motormile since this & just received a notification from equidebt that they are now dealing with this *roll eyes*

Brilliant thanks you're a star!

For sure!! I sought advice from cccs but ended up doing my own DMP. I wasn't worried about wescot - its already been to moorcroft & back i'm just so frustrated with santander, they're not listening to me! Is there a template for a bcobs complaint?

I previously had a current account with Santander and quickly realised how awful they are so I switched over to Nationwide, while in the process of switching I had a lovely "there was not enough money in your account to pay xxxx direct debit so we've had to pay it for you" from Santander therefore accrruing charges. I now have Wescot chasing me for this 'debt' for over £700!! I have sent numerous letters to Santander regarding this and I'm getting nowhere! I am currently on a DMP which I am paying token payments towards my actual debts but I refuse to pay for this as I don't actually owe them anything, it's made up purely of their charges!! Please can somebody please advise? I'm at my wits end with these clowns!

I asked how they can justify charging £15 fee plus £7 to send a letter (many of which I did not receive) each time a payment is late. They have even sent me a letter today saying my payment is overdue when I made my payment on tuesday and still charged me £7 for it!! Absolute con artists.

They're horrific aren't they. I sent a letter to reclaim my charges to which they basically replied they are what they are, and you signed the Ts & Cs so tough luck! and now they're being incredibly nasty and awkward to deal with as I dared to challenge them!

Yes I have sent it in to the OFT. I felt very frustrated speaking to the Trading Standards chap - he veered off into a counselling session about my level of debt instead! Think he was an older chap by the sounds of it, clearly hasn't got to grips with modern day technology!

Well just to update, the OFT have responded saying they will compare my complaint with others and then decide if any action should be taken. My local trading standards were less than helpful, saying that email is not a valid form of communication so no action cannot be taken regarding harrassment, and that I should just accept the fact that DCAs are bullys and lie to get us to pay! Motormile have since sent me a letter threatening with imprisonment!!! unbelievable.

I have just filled in my OFT complaint ready to send it off tomorrow, and I did the Trading Standards one yesterday. Should I still pursue motormile to accept my offer or just leave it now? I don't really want to fill in another expenditure sheet, i've given them one already!

OK I replied and this is their reponse: "Thank you for your email and sending me a copy of your income and expenditure. Unfortunately we cannot accept other creditor payments as part of your expenditure,You must list your incomings and outgoings, then compile a separate list of your creditors and distribute your disposable income amongst them. If you would like me to send you a template for an income and expenditure form please let me know"Why won't they just accept! Sick of them being difficult!

Thats what i thought, its for a think finance (1monthloan) i owe them 300 plus 1 months interest. I have offered them £1.00 per month which is the same as i am paying other pdl companies. Any advice for my reply to them would be great!