3 Mobile Account and Experian

[bm1161]

Hi All,

 

I'm new to this site and was wondering if someone could help me with a problem that i have.

 

I have recently checked my Experian report and it shows that i have defaulted on two Hutchinson 3G accounts and that i have outstanding debts with them.

 

Now i will accept the deafult as i did default on the account. I will not accept the fact that I still owe them money. I paid these two acounts nearly 6 months ago and they have not marked them as settled.

 

Does anyone know how i can get this changed? Can i make a claim for damages?

[postggj]

was the payment to 3g or a dca

[bm1161]

To a DCA. Think they were called EOS.

[postggj]

in that case, you need to write to the dca for an explanation to begin with

 

do you agree with the ammount of the debt

 

dca have been known to covertly inflate it

[bm1161]

is there a precedent letter that i can use?

 

i did at the time query the amount of the acounts and the fact that i had two accounts but is it not too late to query this now? Can the DCA provide me with a copy of the CCA and a SOA or will i need to go to 3 for that?

[postggj]

you cant do a cca for mobile phone accounts

you will need to send 3g an sar request

this will confirm the debt ammount

as this is a mobile account, i believe the dca cant add interest as its not a credit agreement

 

send this

 

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

print but don't sign your name

[postggj]

that letter to 3g

not the dca and by recorded delievery

[bm1161]

Thanks thats great!

 

Will post a new thread once i hav received the info!

[postggj]

just carry on with this one