dn10zeus
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Everything posted by dn10zeus
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The only way I can guess that I Go 4 got my details was through a car insurance search website. At the time of thisCCJ I insured with the RAC, THEN THE sAGA. aT NO POINT DID i TAKE OUT INSURANCE WITH ig4 . They certainly never wrote to me saying I owed them money. The debt is for £235., so if I did owe, I would have paid it, but I knew nothing about it and to this day have never heard from J C International or IG4.
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I have a court date coming up soon to have a CCJ set aside. The debt is for a small amount that I know nothing about. It was filed by I Go 4 a car insurance company who I have never had dealings with. This CCJ is now listed as being filed by J C International. What I would like to know is do I keep chasing I Go 4 as they filed it? There has never been any contact from IG4 at all. No warning letters, nothing but a nasty surprise on my credit file. It is the same with JCU, no contact at all. I have moved address since IG4 filed, but there was a redirection of post for a year after moving and no contact. If I am successful in removing this CCJ on the grounds that I know nothing about it, certainly never took out car insurance with them, I am going to sue for filing a malicious and inaccurate credit report. Any advice on this would be most welcome. Thank you.
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I have held a basic bank account with this shower for 12 months. In that time I never went overdrawn or bounced any payments. The account was always in credit. About 3 months ago I noticed that my debit card was blocked as I couldn't use it online. After 12 phone calls where they lied to me it is still blocked, I am blind and disabled so rely on a working debit card to buy food. I have been unable to do this. Today they wrote giving me 2 months notice of closing my account What I don't understand is why. Why they blocked the card in the first place, They cited anti fraud measures. My guess is that I use the American Amazon site and a VPN. It does seem a bit iffy that they open the account and then engineer it so that I go elsewhere, which I have done. Unfortunately, the new bank seems as useless as HSBC with poorly trained and disinterested staff who will do anything to avoid helping their customers. I have found the entire experience of banking with HSBC of rude and lying staff. They saw something on their screens that made them hang up on me! My advice to anybody of thinking of opening an account with this bank is.....don't. There are better alternatives on the market.
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I would write to Moorcroft and say this debt is in dispute with Argos and they should not be trying to collect on it. This contravenes various debt collection rules. The next letter is to Argos disputing all these late fees and charges. Then tell them you have paid for than enough and are not paying more. See what they do.
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You can pick up washing machines for free on Freegle. Join your local group and make a request. You will be pleasantly surprised at what you might be offered. Another good source is Ebay. Look for a Miele washing machine. They are the best and many people will sell one cheap as they move house and the new place has one built in. These machines can cost over £1000 and you can pick one up for as little as £50. Brigthouse are a rip off for the poor and gullible. Their interest, insurance, late fees, missed payment fees means will take all your money. Washer/dryers are notoriously unreliable and prone to breaking.
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I rung the Northampton bulk clearing centre and was put off by being number 25 i the queue! The next day was better and I was 17. They soon get through the list so persevere anybody if you have to ring these clowns. The company that sued me was I Go 4 car insurance. I vaguely remember using them. The insurance was'nt re-newed as I changed the car and got a better deal. It was out of contract by then. So far I have written to them asking a Subject Access Request on all information they hold on me to get to the bottom of this. I have sent off the N244 form asking for the judgement to be set aside as I knew nothing about it and certainly received nothing from I Go 4. Now I am waiting. Anybody else had dealings with these people? The alleged debt must be sub £200 if that as they sued for £280. When I left them I certainly owed them no money. We'll see what the SAR brings.
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VCS ANPR PCN claimform - berkeley precinct sheffield
dn10zeus replied to amyam10's topic in Private Land Parking Enforcement
I received a parking charge notice from Athena APNR. They do the Lidl car parks. They have gone after the registered keeper of the vehicle claiming I am responsible as I am the keeper. At the time of the offence I wasn't the driver. The car is owned by me as I am disabled and it used for hospital trips etc. As I understand it the keeper is only liable under certain circumstances, the owner is under no obligation to tell these people anything. I'm sick and tired of bullies like these parking companies claiming you have infringed some petty rule and now must pay an extortionate penalty. The Department of Transport state that charges must be reasonable for the loss to the landowner. They can't be so huge that they become a penalty. You have no obligation to tell these parasites anything. As it is a civil debt the onus is on them to prove their case, not for you admit it and do their job for them. Write back and tell them that you have informed the driver and leave it at that. I asked Athena for a photo of the alleged driver. Needless to say I am still waiting. -
Cabot/restons claimform - Newday Marbles Card
dn10zeus replied to eoghan's topic in Financial Legal Issues
I too had dealings with Cabot regarding an old credit card debt. With the help of this site and various others I managed to fight them off. It seems that they specialize in buying up old debts that have done the rounds and nobody has got anything from. They then come on heavy with court dates and summonses. What they don't have ar the original documents like the original contract, terms and conditions that were valid at the time of the CC being taken out. All they have are some bad photocopies that they have hashed together in the office hoping that these will frighten you into paying. That is the secret of their game...fear and your ignorance. Remeber it is they who have to prove their case at every step of the way. https://www.lexology.com/library/detail.aspx?g=81b46eee-ede4-44b5-9c69-bb024ec197bd Isn't the 31CPR the one where they have 14 days in which to provide the evidence of documents, especially one with your alleged signature on? If they don't provide them within 14 days then all actions must cease until they do. -
Thank you for your replies so far. I found out I had a CCJ by renewing my membership to Check My File. Unfortunately it doesn't show who the claimant is. Like you I suspect that it Lowell. If it is the debt I am thinking of with them it must be statute barred by now or very nearly on the cusp. This will be a last ditch attempt by Lowell to try and screw some money from me for a debt that isn't mine. Unfortunately I have a very unusual name so it makes it easier for them to trace me. Like I said I don't borrow money and I haven't done for years which probably made it easier for the fraudsters. Along with the letter I wrote I did print off a form N244 ( I think ) it was on the Government page for county courts/defending an action. If they if not that letter I certainly have the N244 form now and with the link you have provided I will soon know who the claimant is. If it is Lowell do you have any further advice on dealing with them like making a formale complaint to the FSA, Trading Standards and other professional bodies they belong to.?
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Today I checked my credit file for the sheer hell of it. Personally I'm not bothered what it says as I don't borrow money. Made those mistakes years ago and now my file is at zero. However what I did find was a CCJ for £280 issued last October. Whoever the claimant was didn't write to me at my current address despite being on the electoral register and not at my previous one. They sneakily wrote to the old address so as to win by default. I have a very good idea who this, but it doesn't show on my credit file, just a claim number. I am guessing here but I think it may be a debt collector who has been harassing me for years over this alleged debt It was to Orange for a mobile contract which I had never has. ( I was the victim of ID fraud and they did other things too ). Despite many, many letters asking them for proof like the Deed of Assignment, Deed of Novation and a contract that proves I am the debtor and responsible, they have ignored me. To then sue me using an old address when they only wrote again only yesterday to my current one, I find this extremely bad practice that flies in the face of all the guidelines on debt collections. This is just spite of their behalf, nothing more. Today I wrote to that Mickey Mouse court called Northampton business centre where no judge ever sets foot and asked for the judgement to be set aside as I have not been notified and I have been denied my right to defend myself. Also I issued a counterclaim for a considerable sum as set down by a judge in a similar situation where PC World sued a man over a computer and filed an inaccurate and untruth report on his credit file. Now what will happen? Will my set aside be successful as it really is a bit cheeky to sue somebody deliberately using an old address so that you win by default. This smacks of a certain debt collector who we are all familiar with on this forum.
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All your credit score means is that you are reliable in borrowing money and paying it back over a long period of time....plus substantial interest. If you are not wanting a mortgage, then there is really no need to borrow money... at all. Over the years, I have learned that my credit score has never risen much beyond poor. I have borrowed money from credit unions which I have paid back without fail. I finally managed to open a basic bank account with the Nationwide which provides me with a Visa debit card. If I were you, I would stop worrying about your credit score because you could end up over-extending yourself in borrowings. As for United Utilities: I am in a similar situation with Anglia Water where they have placed two defaults on my credit file for alleged water debts. They refuse to tell me where they got my details from, so that is a clear breach of the Data Protection Act. They have failed to provide me with a contract or even a ' deemed ' contract. What you have to remember is that no third party can bind another in a contract. With the help of the Information Commissioners Office, I am challenging these entries. I'll keep you informed if you like. The defaults on your credit file I would go about getting removed, are those that don't drop off until 2022. Anything over 1 year is usually ignored depending on the type of debt, and certainly those over 3 years old are disregarded.
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Thank you Ford for your reply. I was very upfront with Barclays bank and told them everything. The manager assured me that I would be given a basic bank account, if nothing else. They send me account log in details, and account and sort code twice and then rescinded it. Not nice. I have asked them to compensate me for my time, broken appointments and breach of contract. Their first offer was £25 to go into the account for failing to turn up at a meeting. I've rejected this and asked for more. I'm a better credit risk than my file suggests, having had 3 loans from the credit union totalling £5,000 and never missed a payment or paid a minute late. That is not reported though.
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Thank you to all those who took time to reply. I shall try Virgin to see if I can get any joy there. There are two current defaults on my file, both for the water bill, and both disputed. I am not bankrupt, have no CCJ's, but I am not on the electoral register as I have just moved house. My credit score is 540 according to Experian. It says poor, but I really don't care as I am not asking for credit in any shape or form, just a humble, little bank account with a debit card for the odd shop. Jeez, is that too much to ask for in the 21st century? Why are high street banks being so picky when we know they are bankrupt without the taxpayers handouts?
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The first thing you must do, and do this within 28 days, is to notify Northampton County Court of your intention to defend this claim. Then pop along to the site where the alleged infringement took place, and photo any signs that show the time of operation of the bus lanes. You need to build a case against the council, so request photographic evidence of the driver of the car. You may only be the registered keeper, and not driving it that day. You are asking the council to prove their allegation at every step of the way. When you have gathered all this information together, you then send it to Northampton as your defence. They will pass this onto Harrow Council. Also state on your defence that you want this transferring to your local county court, not Northampton. That is not a proper court, it is nothing more than a rubber stamping office. Keep a record of your time and costs. You can claim £18 an hour for research and defending this vexatious claim. The burden of proof rests soley with Harrow Council. It wouldn't hurt to ask Harrow for all information they have on this alleged offence, including any previous letters they claim they have sent. They can't do nothing and then go straight to Northampton.
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No, the banks involved wouldn't say why they refused the account. What I suspect the reason is I was credit scored and didn't reach the required number to be offered an account. I don't want to keep applying because that damages your credit rating even further. This creates a catch 22 situation. What does disturb me about how modern banks work, is their total reliance on a computer instead of somebody having the intelligence to consider the full picture. Barclays refused to do this, so they can go etc etc. The Government forced basic bank accounts onto them because they were discriminating against certain sections of society, They still are. They would not even offer a basic account and see how I ran it for 6 months. That is a possibility, but I don't know how much I will receive yet. My main concern is that with the savings I have in the credit union, I will breach the £20K limit. The alternative is to open another credit union account elsewhere to the current one, or open a savings account. Credit Unions do not accept cheques in any other currency other than sterling. They are getting better, but still do not offer the full access like a mainstream bank does. My problems started when I lost my job due to ill health. I live on benefits now and manage to save as I never go anywhere, I can't. High Street banks don't want customers with savings, they want those who constantly borrow so they can fleece them in charges that would make a loan shark blush.
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Hello, and thanks for reading this. I am in a strange situation of trying to open a bank account, even a basic one. At the moment I use a credit union and it works brilliantly. Unfortunately, they are restricted to a maximum of £20K. In a few months , I am due an inheritance and I need somewhere to put it. Both the Co-op and Barclays have refused, despite saying yes at first, and sending account details. Today they have rescinded their offer. Now there are some defaults on my credit file. Two are current from Anglia Water, which have a note of dispute about them. The others are old, roughly 6 years and due to drop off the file next year. There is no fraud alerts, no CCJ's, everything else is clean. In the past 4 years I have 3 loans from my credit union and have never missed one payment on them. In fact I have a sizeable nest egg that I have saved up. None of this was taken into account, only that I have defaults, and that they must be accurate because the creditor says so, and we all know they don't make mistakes. do I challenge the defaults via the Information Commissioners Office. Cabot tried to sue me over a 5 year old credit card which I fought them off with help from this site. They have gone quiet, but I am wondering if it is worth suing them for filing an inaccurate and unproveable credit report. The Co-op bank may offer me an account if I write and explain things. I did that with Barclays, but to no avail. They treated me very shabbily with broken appointments, not informing me of refusing the account after they sent the details. The alternative is a simple savings account to deposit this inheritance into. I use the credit union for my everyday banking. The account must accept cheques in $dollars, as it is from an American friend who has died and left me some money. Any help will be greatly appreciated and I will return the favour for others who may be having trouble with debt collectors and banks.
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My advice would be to get your friend to join your local credit union. Not only will they provide a Visa debit card, they will encourage her to save a little each month, even £10 mounts up. The other good thing with a credit union is that loans are available, some on joining. Typical loan of £300. They do everything a bank does, but a lot better and without all the charges. Unlike banks, they will lend £500. I've used the Lincolnshire Credit Union for many years now and have received an excellent service.
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Insurance Company Quote/ Telemetry device
dn10zeus replied to obiter dictum's topic in Motor Insurance
Comparison sites are well known for loading quotes and what you have found, they vary hugely. What I would do is try a local broker. I am 59, disabled like you and have a notifiable condition that the DVLA must be informed of ( diabetes. 3 year restricted licence ). My quote for this year on a Saab convertible was £235 with the Co-op. I was with RAC last year, but their customer service stinks and they haven't got any better when the renewal came up. They put the monthly fee up from £21 to £33 with no explanation and no claims from me! I queried their increase and said this quote was with the Co-op. So they were over charging me £100 to go to where I had gone. Rip off merchants. To get a lower quote, look at your annual mileage. Most quotes are for around 12000 miles a year, I only average around 5000. As you are disabled you may find that this is similar for you. If you get the enhanced rate of PIP ( Personal Independent Payments ) you will qualify for a motorbility vehicle where insurance will not be an issue. -
Hastings Direct Smartmiles, Have they stolen my money?
dn10zeus replied to RonnieC91's topic in Motor Insurance
Try not to be too downhearted about your little mishap on the road. I doubt there is a driver today who didn't have a prang at the beginning of their driving career. It is better to buy insurance for the year if you can afford it. This way you don't pay interest or penalties if you forget one month. These can soon mount up. What you need to do here is find something that is cheap to insure and run for a couple of years. This will allow you to build up some no claims bonus which will help your premiums no end. Have a look at the following article that lists the cheapest cars in the UK to run and insure. http://www.honestjohn.co.uk/insurance/top-25-lowest-insurance-group-cars/ -
The debt is over 5 years old which means it will drop off your file early next year. It is already September. By contacting the debt collector and giving them your information so they can ' find your file ', you may have re-entered a new contract of admitting the debt to them. As they have admitted that they cannot prove the debt is yours ( and none of them can, by the way ) they really have no business filing false, unproven reports on your credit file. If this really bugs you, write to the Information Commissioner who will tell them to remove the offending file. But considering the time frame, I would simply ignore it now. If the debt had another 4 years to run, then by all means go to the ICO.
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Lowell are notorious for filing defaults on people's credit files and at the rate they do it, I am sure it is vindictive. As the original debt was for only £12 and was paid, to then file a default that lasts 6 years may be correct, but it smacks of being excessive to me. I would write to the Information Commissioner's Office informing then of Lowell's actions. Many people have done it before and the ICO tells them to remove the default.
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I would leave well alone. By contacting the debt collector you have already notified them of your new address and you may inadvertently re-set the 6 year clock for them to start chasing you. After 6 years a debt becomes ' statute barred ' which means they can no longer sue you in court, it does not mean mean that they cannot continue to write to you asking for payment. As for your credit file, anything over 3 years ago is ignored by most creditors. You will find that you can see old debts going back 6 years , but a lender does not see that information. They see your current score, your borrowings and your payment history. They then work out if you are likely to be a good or bad risk.
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Primus excess usage charge
dn10zeus replied to robbond55's topic in Broadband and other Internet issues
I was a customer with Primus and I dumped them for Sky as their charges bear no relation to your usage. With BT, Virgin and Sky you can pay around £6 a month so all calls are free 24 hours providing they are not mobiles and begin with numbers 01 02 . Primus do not do this and my last bill was £80 just for calls which is ridiculous for one month! They may offer broadband at £2 a month but that is nothing more than a calling bird for them to then fleece you with confusing and extortionate bills. My advice is to find another supplier. Cancel your direct debit if you have tried ringing them and finding that you are number 30 odd in the queue. Once you have cancelled the DD they will be onto you in a jiffy so tell them that you are leaving. You could use the unfair contracts against them for the rotten service. -
I think the time has come for you to take further action against Argos. Write a letter telling them that you reject the goods under section 14 of the Sale of Goods Act 1979 as it is not fit for purpose. Give them 14 days in which to refund your money and collect the machine from your property. You are not entitled to anything other than a full refund plus what extra costs you have incurred. On the bottom of the letter say you will refer the matter to the small claims court if they haven't done what you have asked for without further reference. Argos, Curry's and Comet when they were in business are well known for flouting the Sale of Goods Act by trying to pass your complaint to the maker when as retailer, they are responsible. If you are on a restricted budget and want a decent washing machine then look at John Lewis machines which have a good reputation. Or go on fleabay and look for a Miele second hand. T hese machines will last years and you often find people selling them cheap when they have replaced their kitchen. The washing machines that Argos sell are bottom end of the market with only 8000 washes, after that they are kaput.
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Virgin media Engineers keep not turning up
dn10zeus replied to ArgieD's topic in Broadband and other Internet issues
Virgin Media will charge you £10.00 if you are not in for a booked appointment. I have successfully charged them £20.00 for a broken appointment when they didn't show up. My thinking now is that you bill the Neil Berkett £60.00 for the 3 broken appointments. These are the telephone numbers for Virgin priority complaints line 01256752000. Another number is 01483 750900 and head office 0800 0520800. If it is any comfort, BT are just as bad and getting worse.
