jon8214
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Posts posted by jon8214
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So this is a case of an illegal search? How could I progress this?
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Thanks dodgeball, I have checked the others and there is no searches on any of them.
i have already complained to Equifax I was just wondering if anyone on here would have any contact details for them so I could speak to them and find out what they are playing at.
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Hi all, I have had a hard search carried out on my Equifax credit report. I have no knowledge of this company and I haven’t applied for any credit recently, neither do I have any bad debt.
On speaking to Equifax they have raised a dispute but I also asked them for the contact details of the company and they said they don’t have any.
i have also tried google, ICO, FCA, Companies house and I can’t find any info.
would any of you have any contact details for this company?
thanks
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The total of the loans I took was 1100 I paid back 2200 but I defaulted on 800 apparently, the amount of redress I’m being offered Is 1400
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I know that DX, but the thing I’m on about is a company trying to off set a debt against a debt that is now owned by a 3rd party
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Yes zero
Cheers FK, I’m gonna fight it
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I do have it in writing they have written it off, it’s approx £1k
even though I realise I’ll only get pence in the pound for it
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Cheers DX, what I paid was more than the initial loan
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Hi CAG, I have received a redress email from KPMG ref redress due to me from an old WDA account.
I did have an account with WDA which went into arrears and was sold to MM/Lantern. The debt is now stat barred and MM/Lantern have written the debt off as such.
kPMG are stating that they will set off the amount of my redress to MM/Lantern. I have complained to them about this and await their reply.
I am aware of the normal set off rules but does this apply to companies in administration? I can’t attach the section of the letter now as I’m on holiday but as far as I’m aware a company cannot off set a debt once it’s been sold to a 3rd party company, am I correct in this thinking?
thanks
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ok do the following and get reading up on defences you have 33 days from service to submit a defence -
pop on on MCOLwebsite
ack [{ AOS BOX] the claim
defend all
leave jurisdiction unticked
get a CCA request running to the claimant
get a CPR 31:14 running to the sols.
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Hi where did you find the info of your last payment?
Are you sure of that date?
If you are then this is a statute barred debt and the guys will provide the relevant defence
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Good luck to day Squaddy
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Good luck today, Hornsey
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Thanks DX, will do as suggested
Ill update when I get anything back from them
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Could you do me a favour and check the attached charges sheet and tell me address for Santander I should sent the prelim letter to? Thanks
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a default should not be on your credit file after 6 years
make a complaint to the CRA's and also the creditor stating that if it isn't removed immediately you will raise a complaint with the ICO and seek compensation
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Cheers Andy, my thoughts are to continue to ignore and await Drydens next move
There are over £600 of charges on the account and may look at claiming them back for her I think it would near enough clear the balance after interest etc
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Hi Dx, yes they are
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@dx100uk any advice on this?
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Hi CAG, after a bit of advice on a debt of my mums.
She had a Santander credit card taken out in 2004, she defaulted on payments and was stupidly making payments to a DCA until March 18. Rob Way are acting on behalf of the original creditor.
I sent a CCA request on her behalf and they returned an incomplete CCA - they sent
1) Recon Agreement with no signature and incomplete
2) Statements
3) How to use your card leaflet
This morning she says she has received a letter from a soloicitors regarding this debt, I am trying to get a copy of it and as soon as I can I will upload. I will also upload the docs I received for the CCA less the statements
My main question which I should know by now, am I correct in saying the CCA is incomplete and they are in default due to the lack of Signature and also incomplete terms?
Also what is my next action ? Ignore?
Forgot to say my mum is in Northern Ireland.
Thanks
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did you speak to Barclaycard to find out the last payment date?
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ok, was your last payment to Barclaycard or have you been making payments to a DCA?
If barclaycard go ring them and ask for last payment date
Credit Protection Services
in Debt Collection Agencies
Posted
I was hoping that someone on the forums would recognise the company and have a contact number for them so I can contact them and find out what they were playing at but it seems the company no longer exists in that form.
I will be persevering with equifax’s incompetence and see what they come back with. I have raised a complaint, a dispute of the data and also emailed their DPO reference this. I am also considering a complaint to the ICO for unlawful processing of my data.
i will update you all when/if I get any update.
Thanks