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davidscreditfile

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Everything posted by davidscreditfile

  1. davidscreditfile
    After sending a LBA, it seems the bank have accepted wrongdoing and have issued a full refund. They say it is a gesture of goodwill. I have still complained to ICO.
  2. davidscreditfile
    Also, what are the next steps when a company has not disclosed all phone calls, information and such after DSAR request?
  3. davidscreditfile
    Update: Court papers filled out and submitted. Awaiting bank defending/responding. Question: Can anyone advise me of any terminology or rules or onus which refers to a bank having a duty of care when it comes to protecting customers accounts/money? Is there any information I can refer to at all regarding this information? The general bank contract/agreement is void of any such information. Thanks in advance.
  4. davidscreditfile
    DCA (Lowells) bought a fraud Vodafone account (debt in my name, no idea who took the phone out). DCA then left a default in my name on my credit file. Contacted DCA & CRA's. All came back saying information was correct via their clients. DSAR'd Lowells. They came back asking for ID/Address proof, then a week later, sent another letter saying that due to the amount of requests they have had, it will take them a little longer to get back to me. I SAR'd Vodafone at the same time (they came back asking for my ID. I have since sent them a CTAX bill and awaiting them sending me the information I have requested). I think the DCA has contacted Vodafone and as nobody has any info on me, they're playing the stalling game. I have tried to upload the letters sent to me, but when i try to upload the PDF is says file extension incorrect (I am using a mac and only the Lowells one uploaded ok. Anyone got any ideas on how to progress this?
  5. davidscreditfile
    Update: Today I obtained the DSAR. They said on the letter "your request for credit information", I actually was explicit in what I wanted. Anyway, they only sent me bank statements and a password protected disk. They did not send: Account notes Translation/transcript of calls Any information relating to my banking app No information about text messages sent to me from the bank. 1. What is my next step regarding this. As far as i am concerned, they have deliberately withheld this information/failed to comply with my GDPR/SAR request?? 2. I have sent them a recorded letter giving them 7 days to refund me. They already sent a final letter clarifying their position, which is; they won't be refunding me. I am filing in a small claims court application after 7 days and will update you thereafter.
  6. davidscreditfile
    OK.
  7. davidscreditfile
    It has been a while since I have had issues and I forget the rules. I understand. I will write to them again. Thank you.
  8. davidscreditfile
    I also obtained this from them regarding a JD Williams account. It does not makes sense. Debt written off. No copy of contract, can't remove default as information was correct at the time but they can't send or have copies of nothing..? letter below including the reply from Exuifax, which tells me that the dca can't leave a default if it buys the debt? so something really wrong here.
  9. davidscreditfile
    Well it is showing on my credit file as a default by Lowells. When I SAR'd them, they came back asking for info, then a week later saying due to the amount of requests it will take them a little longer, so I am still waiting. I will write to them stating as such and unless they remove the default or comply with my SAR, I will take further action. Can I take them to a small claims court and ask the judge to instruct them to remove it?
  10. davidscreditfile
    Ok, I will send them a bill and see what happens. In terms of the default from VODA - Lowells bought it, they put the default on, when I DSAR'd them, they came back saying they can't comply and need more time as they are busy! . They probably have zero information from VODAFONE and just put a default on because they can. All 3 CRA;s lettered, response was that their clients information is correct.
  11. davidscreditfile
    Thank you.
  12. davidscreditfile
    I know.. I was really stupid and it all happened so fast and didn't think they could be so scandalous in the way they manipulated me. i complained and they sent me a final letter saying they won't refund me. Can you tell me if i should give them a letter before action - I am unsure of the content though - legal stance or what information i can put in the letter to encourage them to pay me back. Any help with the letter would be appreciated.
  13. davidscreditfile
    Hello I SAR'd VODAFONE for a debt that is on my credit file that i believe is not mine. I asked for SAR but they are asking for proof of my ID and address etc. I have only ever lived at one address, i told them that the credit file and the information they have put on the CRA's is the same as the address they are sending the SAR, but now the time has elapsed for them sending this to me. I don't want to send them any ID as I know they don't have my ID and won't send me any contract or nothing. There also sent it to a DCA, and I SAR'd them, they said its taking longer than expected, outwit the time limit and said will get back to me in a month or so - probably because they don't have any information from vodafone cos the contract and debt is not mine. Can anyone help me out?
  14. davidscreditfile
    I got spoofed out of £1,000 by these fraudsters and the bank have refused to give me my money back. I was stupid enough to fill in the form on line and then I found it strange called bank to stop cards and they said it was online Sc@m. They said they would watch my account, not to worry, and issued new card and pin. 3 days later my cards came and i got a call from "the bank" but it was the sc@mmers. (They had my number from the online form I filled out for the fake refund). They said they would send me a code to my phone and to confirm the code for security reasons. I gave them the code and they started talking to me about what had happened and said someone tried to take £500 out my account but they blocked it and was calling to make sure it was not me. During this time, they downloaded the bank app onto their phone and using the code, transferred online 3 transactions totalling £994. After the call, I checked my account and noted then called the bank who stopped the account but could not stop the transactions. After an investigation they said because I gave this code to them I am liable. I have complained and they said I won't get my money back. I want to know if this is right. They knew this fraud was happening but did nothing to warn me and had a duty of care to watch out for me and protect my money. I did not authorise these transactions, even though they had the code to download the app, the actual authorisation and transfers were not done by me. I have been sick and unwell because of this and wondered if there was anything I can do because the bank should have done more to protect me and the transactions were not authorised.
  15. davidscreditfile
    Ok, lets see if providing the information provides further legitimate advise. 1. so why aren't they paying? I can't answer for them. The Council are chasing me for (what it seems) the FULL amount per year. My brother was also on the tenancy agreement. The bills were in his name for 10 years, then reverted to mine. Either way, I was not in the house. You said I would be liable because I am on the tenancy agreement - where in LAW does this make me liable?? 2. I have nothing of value. 3. If they wish, they can do so, however, to do so will only involve me to take them to court to provide evidence I owe this money. As mentioned, I didn't live there, I was on the tenancy agreement. I do not know of any law which states, if you are on a tenancy agreement,( this is for council tax), that I would be liable, - please can you elaborate on your knowledge of why I would be liable? 4. I have. They passed me back to the Sherriff Officers. They only want the money and take the action allowed by Law. However, there must be some common law which over rides the guidence> perhaps not common law, but surely evidence must be in existence to enforce their privillidges of taking action? (Excuse my writing, my spell checker is broken. I have now provided all the information requested. It doesn't change my question. .... How does one go ahead and go bankrupt and include council tax debt into the bk?
  16. davidscreditfile
    Just on this thread. Where legally does someone stand with council tax? I assume from reading that it's enforceable, under all methods and that no-one in Scotland has any defence against denial, dispute or other, i.e. if they say you owe it, they are going to take it from you, one way or another? I have obtained a demand for a large sum of money, not even owed, in my belief, nor any evidence to prove, just a piece of paper and some shady people collecting for them. Rather intimidating, but what are the routes of resolution if an amount is in dispute or a method to postpone action until dialogue is established to mutually provide a solution to the alleged debt?
  17. davidscreditfile
    Did anyone reply to this?
  18. davidscreditfile
    I only asked for specific information pertaining to what I wanted to do, you were asking for information which was irrelevant. I'm not looking for a saviour, only exact advice to my relevant questions. Why does the information you seek matter? If you read my questions, I was VERY clear on the advice I needed, surplus information makes is muddy. I'm guessing you are not impartial, nor here to provide correct advice ;-). I am confident there will be someone on here with credible advice, and 100% impartial and knows common law and other relevant human rights!
  19. davidscreditfile
    Responses to above- 1 - They are chasing me for the debt, further inforrmation irrelevant 2 - Please explain who I approach, what I do etc. etc. to commence these proceedings and include this, should I wish to do so. 3. I asked for information relating to disputing the amount AND postponing further action legally - there must be some way of ensuring a legal stop to further action - please provide this. 4. I have. They advise to contact the Sherriff Officers. Basically, they do not care, they send an amount and these people chase it. Without remorse, information or any evidence that the amount is owed. Therefore, I wish to ensure that I deal with this situation immediately. 5. "expand on 1 so for 16yrs who has been there and why have they not paid?" Irrelevant. They are chasing me for the 16 years debt. I was not living in the property, (although on the tenancy), I was at a different Council, in a private lodging, where business rates were paid. However, I do not wish to go down the route of the legalicy of their claim, although justified to do so in my belief, I just wish to deal with this, and have the ability to contest if I chose to do so. Thanks in advance.
  20. davidscreditfile
    Hello. I apparently have £12k Council Tax arrears. I recently got a Sheriff Officer hand delivered letter demanding payment within 14 days. The arrears start from 2002 until 2018. I have 4 questions. 1)If I was not living in the property, (housing association) during the time of the invoices, but still on the voters roll (and tenancy agreement), do I still owe these arrears? (I can prove I was living at another address for several years, under a separate Council Authority). 2) If I made myself bankrupt, can I include all of this 'debt' under it? 3) How can I stop any further action, pending a dispute/starting bankruptcy? 4) How do I quickly start bankruptcy (I have no other debts, not concerned regarding my credit rating, don't own anything, I currently work - earning around £1200 per month). Any other positive advice would be useful. Thanks in advance :
  21. davidscreditfile
    Just a word on this NH I made an application to MBNA (already had a card). The app was successful. Then it was declined and my other account closed down (same day as paid it off), so effectively owing nothing. I did a SAR to NH prior to making the above application and all looked fine - 5 pages of previous applications, nothing untoward. On calling MBMA the CSA slipped up and said that they got info from NH and that is why all accounts were closed. I became livid. Stiff letter to MBNA - SAR requesting tape recordings. It came and no recordings. Submitted another complaint advising they didn't comply with initial SAR - they took my complaint as another 40 days to respond (so the tape recordings won't be available I suspect) Wrote to NH who came back and said oh sorry there was information we forgot to provide you but send £10 and well send you it!! Basically I caught NH deliberately withholding information from me... Which I advised them off .. No response. Still no response from MBMA or any tape recordings- this has been since November 2015! Basically what I'm saying is NH are in bed with the banks and are completely a law to themselves. I caught them out lying and MBMA are withholding information because it confirms that they don't provide all information in a SAR. Therefore in terms of your own situation, I would suggest that the reason for your troubles is the fact that NH have. It supplied you with all the information you need to have it fixedly sunless you (like I did), have someone tell you then I doubt they're going to give you anything conclusive. I hope that makes sense.
  22. davidscreditfile
    Does anyone reply?
  23. davidscreditfile
    Hi Not sure this right thread but please help. I today after 8 years of getting everything off my 3 credit files showing nothing on them not one item except on voters roll for 13 years went into bank scotland and opened an account. It got opened. Given sort code etc. all ready to use (Bos current classic ) Got home read the letter etc and noticed surname spelt wrong. 2 letters around wrong way!!!! What should I go Will it affect me I think it will open a credit file different to mine so what's my best action??
  24. davidscreditfile
    So once my files show the Default removed, can I have the searches made by the debt agencies removed also as they have left searches in the search column. Thanks
  25. davidscreditfile
    Interesting and thanks. You get more information from here than in the actual bank. Ridiculous. Much appreciated -)

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