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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

ctid1987

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Everything posted by ctid1987

  1. ctid1987
    Anyone?
  2. ctid1987
    Any update BRIG? Merry Christmas - just made a small donation for all of your help
  3. ctid1987
    Also just made a small Christmas donation!
  4. ctid1987
    But there was no agreed overdraft! They (I) let me go overdrawn even when I had nothing setup. Can I fight this?? £105 default comprised of mainly charges is surely unlawful? BRIG, are you about to take a peek? Oh and merry Xmas all!
  5. ctid1987
    Can I dispute the original amount? I am paying the second amount so that can be forgotten about. The lady I spoke to mentioned it seems to be held in the system - never assigned to debt collector, nor anything else - just stuck there. How the default was registered she doesn't know.
  6. ctid1987
    Managed to get through to someone nice (english!) they let me pay two owing amount in two instalments. The lady apologised profusedly and the calls have now stopped. They also said it is worth using equifax to dispute the first amount as the first account doesn't add up.
  7. ctid1987
    19 calls in 10 mins!!!
  8. ctid1987
    phone calls every 30 seconds now!!!!
  9. ctid1987
    They are harrassing me here!!! phone calls every minute from 0800 028 5085
  10. ctid1987
    Why did I even bother to phone them! I got quite irate with them, and they told me to go to hell!! I am now being phoned every 5 minutes by them, harrassing me and not saying anything. WTF!?!
  11. ctid1987
    Brig?
  12. ctid1987
    And the thing being they only added the entries to my report within the past 9 months!
  13. ctid1987
    So to be honest, because I never paid the final bill back in 2010, I now have that default stuck for the remainder of the 6 years and there is nothing I can do about it?
  14. ctid1987
    Now two BT things have appeared???
  15. ctid1987
    Statutory* Also, could you take a look at my HSBC thread again please - I don't know what course of action to take next... Thanks.
  16. ctid1987
    Currently waiting on experian to send me my stutory report to see if it's listed there - as there was nothing from BT 9 months ago... It seems they have added both entries recently.
  17. ctid1987
    Hi Brig, No the first one has had two payments of £10 off it, so down to £154 or thereabouts. Do you think I can strike a deal with them to pay in full a reduced amount to clear it as they extended my contact when I took out BT sport (yes I should have read the small print!) And is there anyway of fighting the first one to get it removed - without notice of a default about to be placed I find that quite unfair!
  18. ctid1987
    Over the past year I have been trying to get my Credit back on track. I have applied for my statutory credit reports and all of a sudden I have two entries from BT!? This is what I have - Communications Supplier from Bt Consumer (I) / XXXXXX7122 Terms 0 @ £ 0 (Monthly) Status Defaulted Current Balance £ 75 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 75 Start Date 13/11/2009 Date Updated 22/09/2010 Date Last Delinquent Date Satisfied Default Date 28/07/2010 Secondly - this is for my most recent encounter with them which I cancelled and switched over to sky on. I have set up a standing order to pay £10 a month and this has been reduced to £154 now, although I phoned them today and they said within the next month it will be defaulted and transferred to a DCA and unless I pay in full they will start to reject my monthly payments. Communications Supplier from Bt Consumer (I) / XXXXXX5643 Terms 0 @ £ 0 (Monthly) Status Query Outstanding Current Balance £ 174 Start Balance £ 0 Credit Limit £ 0 Default / Delinquent Balance £ 0 Start Date 10/11/2011 Date Updated 12/12/2013 Date Last Delinquent Date Satisfied These are on my equifax report, but not on my Experian reports? And they also wern't there about 9 months ago. Are BT legally just allowed to default my without notifying me? Can they also default me if I am currently paying them a set amount? Any help would be appreciated chaps. Thanks Tony.
  19. ctid1987
    Ok chaps, So where do I go from here? Welcome CCJ dropped off a week ago, only this default to go and I have a clear CRA record!
  20. ctid1987
    Thank you.
  21. ctid1987
    Any chance you could have a look please BRIG, need a second opinion on what to do next. Cheers
  22. ctid1987
    Ok, I see what you are saying. But it says point blank in the letters I received from HSBC that they deem the charges they have added to account as lawful?
  23. ctid1987
    Also, any chance you could take a peek at my other thread - http://www.consumeractiongroup.co.uk/forum/showthread.php?392871-HSBC-A-little-overdrawn-3-bank-charges-then-default!&p=4422485#post4422485
  24. ctid1987
    So long as it removes any trace from CRA it as good as gone for me. If they contact me in future, Ill send the letter above. What happens if they dont update my credit records?
  25. ctid1987
    Will have a read of that fully in a bit. But skim reading quickly I cant find anything?

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