New debt added to credit file from AGG - no idea who they are!

hereagain22

RAS said:

Think you need to check these dates and edit your post so we can understand the chronology.

Done - hope it makes sense? 
2021 not 2001 oops! 

hereagain22

Just re-reading my experian report and it says:

Vanquis is marked as settled 29th Oct 2021
AGM is marked as opened 26th Oct 2021 - showing a balance of £641 for 6 months, payment amount and everything else marked as n/a 

No default on either Vanquis or AGM

hereagain22

Just an update from me - no response from AGM following the complaint and the SAR.

The SAR month timeline expired so I have emailed a reminder and in 2 weeks will follow up with ICO.

No response to my complaint still - this is due to be referred to the ombudsman 8th May. 

hereagain22

Hi all,

I have finally received a response from AG Massey.

They are not upholding my complaint as they have notified me of a transfer via email in August 2024 and within this they told me to contact NCO to sort out payments.

I am not sure what to do now - again so many questions! They bought the debt in 2021. Why only contact me in 2024. Why are there so many different company names involved OMG! 

I never receive their emails for some reason - they claim to send me emails and then I don't see them. I am not sure if they are going to spam. 

But really - just one email and that is it? That is all that is done! 

fatbelly

The email is probably a lie. It is easier to say that they sent one that didn't arrive.

You might as well see what the Ombudsman and ICO make of it

hereagain22

I have now been able to open the SAR data - they attached it as an outlook email so I can open it on my work PC with outlook! 

NCO were writing to my old address in 2022 so I never received anything from them - no one ever emailed me unless it went to my spam and didn't see it.

There is a letter from AGM dated Aug 2024 with my correct address on which is the letter they claim to have emailed but I never received this - or it went to spam and I didn't see.

I don't really know what else I can do now - can I still complain to the ombudsman as I have not been receiving any correspondence from them? Is it my fault that I moved and didn't tell NCO - but I didn't know they were acting on behalf of Vanquis in 2022 so how can I inform them? 

I will complain if it helps but realistically I don't see any other option than engaging with NCO and setting up payments. Joy. 

I wonder if it is worth complaining as I feel like the verdict will just be I have moved and not informed Vanquis. I am exhausted and just not sure if I can do anything else but accept defeat and just set up a plan with NCO. 

I am also really gutted as I was waiting on my file improving - this year and next some old defaults will drop off. But this is now a recent thing - the card is old but the missed payments are from last year to now. So I feel like that mortgage is now a definite no go. This has undone all the improvements I have made / waiting on improving. I am devastated. 

sourcrates

Never give up, the best complaints are the ones that grind you down, and the satisfaction you feel when you win!!

Its free to complain to the FOS, you have nothing to lose by doing so.

fatbelly

That would be my take too. There's no downside. 

We don't comp!ain enough about these people in my opinion

hereagain22

sourcrates said:

Never give up, the best complaints are the ones that grind you down, and the satisfaction you feel when you win!!

Its free to complain to the FOS, you have nothing to lose by doing so.

OK thanks - I will give it a try.

hereagain22

I have also responded to AGM as I am STILL not able to log on and view the account and make payments! Using the ref they provide with the NCO site - it errors and says my details are not recognised.

It just beggars belief!!