JC INTERNATIONAL ACQUISITION LLC

bLaZer666_uk_2

sourcrates said:

I have removed your name, letter looks OK, see what response you get from it.

You should mark your letter "Please treat this letter as a formal Complaint", and alter this sentence -

"If you fail to remove the mark within the next 28 days I will contact the Financial ombudsman Service and explain your unscrupulous actions passing over all the relevant information regarding your actions and inactions".

to this -

"You have 8 weeks to investigate my complaint, and issue me with a final response, if you fail to find in my favour, I will escalate the matter to the Financial ombudsman Service and the Information Commissionaires office and explain your unscrupulous actions passing over all the relevant information regarding this matter". 

Also remove the last sentence about Trading standards, that`s not really relevant here.     

All amended will get it sent off ..

Cheers for the help

bLaZer666_uk_2

Is there anyway I can make a financial claim myself against this company? as they have caused massive damage to me, I can now potentially lose my home and job

bLaZer666_uk_2

I just called JC International. After trying days to get thought (left a message every time for someone to call me back

I informed the rep that I was recording this conversation and would be submitting the transcript to the FoS if I make a formal complaint against JC INT
 
They said I had a sky account back in 2018 (I did not as I dont have a satellite dish!) 

Their rep asked me for all my details (I gave them a incorrect date of birth,) he then confirmed my details with the DOB wrong. I then explained that I have no record of any debt to sky or JC Int... nor have I ever had any connection with SKY (I Hate sky as I cant stand murdoch so I would never have anything to do with them!! lol )

Anyway he confirmed this again (I asked him how can he confirm it is me that owes the debt, he said all my details I just gave matched theirs including the DOB. Ha! i said.. the date of birth I gave was incorrect.. after which I again stated that I have no outstanding monies owed to SKY or JC Int, I have not been informed nor have i received any letters or emails asking for this alleged outstanding money.

I said that it is JC Ints responsibility to establish if I do owe them (as they bought the debt) money. I had already established that the details they had for me were incorrect.

He said that they would inform their legal reps BW Legal (another dodgy company associated with dubious debt recovery methods)

And that my credit file will be marked as in dispute.. (will this change my credit eligibility/reputation?)

They told me to call back on monday to confirm that they have spoken to sky to confirm I own them money again..


There you go...

 

billy12311

Hi, what was the outcome of this? I have the same issue and they issued a default in sept 22 without contacting me.

i had an insurance write off in 2021, with RAC and upon settlement they told there would be an outstanding balance to pay for the insurance premium, but didn’t say how much it’ll be and to expect a letter. 2 years later no letters or contact. 

JC Aquisition didnt even contact me either, they just put a default on my account straight away.

i’ve sent off an official complaint a week ago, but have not got anything back. 

My score dropped 350 points due to this as well 

brianposter

Keep careful records including a diary of how much this is costing you. People have been known to go to court over such matters.

bLaZer666_uk_2

As of today 13th December 2023 I am no further forward. I took my complaint to the FOS however they came back and told me that they would not be able to help me as the type of account I had with JC International isn't covered by their service.

I raised a complaint with JC International 8 weeks ago. They also failed to respond to my complaint. I also asked them for a subject access request. They also failed to respond to this within 30 days.

So I am still here with a default on my Experian credit report (the default is only on Experian and none of the other 3 credit agencies).

I called Experian and they said there is nothing they can do, I did add a notice of correction to my report, however that is useless as most credit checks are done automatically and dont take into consideration the notice of correction


What can i Do? this has caused me so much grief. From a declined loan to car finance. Im really stuck

bLaZer666_uk_2

brianposter said:

Keep careful records including a diary of how much this is costing you. People have been known to go to court over such matters.

brianposter said:

Keep careful records including a diary of how much this is costing you. People have been known to go to court over such matters.

There is little financial cost involved for me, the odd stamp and thats about it. The real cost is to my credit reputation and history.. and of course my own well being..

MorningcoffeeIV

bLaZer666_uk_2 said:

I called Experian and they said there is nothing they can do, I did add a notice of correction to my report, however that is useless as most credit checks are done automatically and dont take into consideration the notice of correction

A NoC means the credit check can't be done automatically and has to be checked manually.

It just means applications take longer, but rarely provides any benefit. Better to remove it.

sourcrates

A sky account is deemed to be a service agreement.

As you are not getting any joy from anyone at present, my next step would be to contact the ICO and see if they can get the incorrect data removed.

ronnie1985

Today after working so hard on my credit received a blow from this company. I had car insurance with 1st insurance in 2018 and I ended up having brain surgery I canceled the policy and I thought our business was concluded. 

However 2nd of January 2023 I received a ping on my credit report for a defult that was issued in 2019 the amount on the defult is £0 so very confusing.

Experian told me to ring 1st insurance to ask them to remove it. So I called them to be told that I owed them £83 when asked why I was not contacted they said they sent an email in 2022. I politely explained to them that any email received by them years after our business had concluded would have been discarded as junk and something important like this should have been sent in the post.

They then explain that they sold the debt to jc and that I need to contact them if I want the defult removed, which I'm sure is impossible considering it was 1st insurance that issued the defult.

I have yet to be able to get through to jc as it just throws me over to an answering machine.

My biggest frustration is why has it took from April 2019 until now for this to show up on my credit file If I had known I would have sorted it sooner