The CRAs seem to me to have an 'open licence' to process data, whether true or not. I've tried getting inaccurate links broken and don't accept a 'Notice of Correction' is the right way to go - the link should NOT have existed in the first place and therefore should be permanently broken... Notices of Correction are their way of saying 'we think this person may still be lying but until proven otherwise we stand by our data'. Does anyone else agree with the above?

This lot seem to have passed me by (so far...) but then I have dealt with the Shabbey, Crapital One (still ongoing) and Westcot and their allies. Fortunately after the last round of letters they all seem to have stopped writing ... just as I was having fun too!

I read the site with amusement, they don't act in a professional manner at all and continue to harrass and lie about debts (three now returned to clients from Westcot, one statute barred reminder gone out to Nelson Guest....) so maybe it is a reward for the company with the LEAST no of complaints via OFT and Trading Standards in a year......

Definately, they are using the law to suit themselves - and their letter informing you of the We can confirm therefore that the default remains in relation to this account and would remind you that making payment to clear the balance may assign in relation to your credit history.???? is clearly a veiled threat and should be reported to Trading Standards. If you make any payment now it won't make any difference to your credit history!

Can I come and watch too? GMAC are being a bunch of dozy wasacks as far as I am concerned.

Report them to the Trading Standards people once another 30 days has gone by. Don't chase them, let them chase you (after all thats what they did...) I think if this debt doesn't show on your credit score then it almost certainly is statute barred and they could be reported to the OFT and Trading Standards.

As I said earlier, there is a BIG difference between receiving a NOTICE OF DEFAULT and having a 'credit marker' placed on your account. 1st Credit have done this as they were checking your address - there are plenty of other ways of checking an address is valid than doing a credit check.... so go for them via their complaints department (if they have one) and complain then to the Information Commissioners Office and the Trading Standards people. Credit markers mean you haven't made a payment on the account - and defaults are much more serious, in my case one was incorrectly served as it was placed as soon as one payment was late, and that was against the company's own terms and conditions which stated that three months non payment must pass before a default was registered. Different companies have different T&Cs and you need to check with the original company what theirs are. Also, just for the hell of it, CCA both people and see what happens, bet it gets passed from 1st Credit back to the originator with ;no further action to be taken'.

Have you actually been served a NOTICE OF DEFAULT from either company, if not then these 'defaults' are 'credit markers' and can't be removed unless both parties (the company and Experian) agree. As Ist Credit weren't the original debtor go for the removal of that record first, based on the grounds that no NOTICE OF DEFAULT has been received. I discovered this when getting my own credit file cleared - still very much a live process.

My best reply was to one of those company which want to enlarge and improve your sex life - I told them the only way that could be done was to have an extra night each week......

Good news indeed, I'd love to be present when the bailiff is in court - bet there will be some porkies around then (thinly veiled of course). Hopefully he will loose his bond and hence his livelihood and licence....

I think a report to the FOS would be in order, this seems like a very unfair amount to be left over after all these years - more than half the original loan! My continued support for your fight with this lot continues.... give my regards to your Great Aunt - if she is of the same era as some of my older friends I can imagine some of the phrases "dozy wasacks" comes to mind for one....

Go to the papers, and go to your local MP - clearly somebody has committed fraud against you. I would also check my credit rating to see if anyone has applied for credit on your behalf at a 'new' address, (it HAS been known).

I had a similar problem but references came from friends I had within the company I worked in for the last 10 years... I had assisted a project director in my own time and he wrote a reference for me, as did a friend who was Branch Secretary of the union. They asked for 'employers references' and as I had actually done work for these people it was accepted. I believe that references should only be factual, ie this person worked here between x date and x date, and their salary was x. Congratulations in getting out and hopefully things will be much better. I did a lot better financially and now am cutting my work to 4 days a week for health reasons for a few months and all I did was ask my direct line manager on Thursday and I have to sign the paperwork on Monday. In my old company it would have taken a lot of begging letters and an assessment from occupational health to get this achieved.

As I already said, it is going to cost you £100 for the counselling, and insist that you have a copy of his report - he might say no but write to the company insisting this - the guy I had lied through his teeth and I have my complaint in with the OFT. Also complain about the charge as it is against OFT guidelines. You can co-operate directly with GMAC (they don't really like it) but write to them and explain you would rather have the £100 taken off the debt rather than straight into their coffers - that way you will have evidence should the matter come to court you tried directly with them. Best thing about my court case was their solicitor got severely told off by the Judge and refused to speak to me outside the hearing afterwards. It's NOT down to the judge on the day of the hearing - GMAC can stop a repossession order at ANY stage, and they use the courts in the same way the banks do - because THEY CAN.

You will get charged £100 for this 'debt counselling visit'. Don't let him in and don't fall for "Don't worry it will be okay." Their lying toad overstated my income by 'filling in' that I had a car and £400 month motor expenses - I don't even have a driving licence and certainly don't drive. He also put down £400 month clothes allowance - as if!!! You only need to look at my wardrobe (and even that didn't cost £400) to see I don't spend that kind of money on clothes. GMAC are pains and you need to get the DSS to write to them pronto - and if you get any aggro from GMAC go STRAIGHT to the OFT and Trading Standards - don't wait for their 'complaints polcy' as they don't have one which stands up to scrutiny. I've currently got a complaint in with the OFT and they are stalling over answering why they charged me £100 for the debt counsellor when the OFT and Trading Standards strongly advise against this.

The only way a financial association could be construed from this is that it is my father's address - is that a genuine financial association as he hasn't paid any bills for me or otherwise for a long time! I'm also connected to the people I originally purchased my old flat from as well, and the only connection there was I bought the place from them. Financial Association seems to mean (in CRA terms) anybody who has ever paid a bill on your behalf....

You should be able to get a refund - write to the suppliers complaints department and ask for it - if they say No ask why - you have overpaid and they owe you - don't hesitate to threaten legal action in claiming your money back.

If the debt is that old and no payments have been made on it for a while then it is statue barred and they shouldn't be chasing it. Go to the CAB on your friend's behalf and send a copy of their letters to Trading Standards, pointing out that the second threatening letter was received BEFORE their 21 day deadline - illegal IMHO

My favourite tactic now is to ask for a copy of the last bill from their clients before I commit to anything. I tend not to talk to them as I had a bad experience with one claiming I had agreed to £10 a week payment when I had agreed to £10 for them to send me statements...

I think the CRAS are going to be next in the firing line - they flatly refuse to remove an address from my file I haven't lived at in over 20 years (family home) and again 'pass the buck' when asked to remove info - a Notice of Correction is their answer but I say it is wrong and should be removed and an NOC is NOT clearing errors on the account.

Do as they want - dispute the debt and request a refund of charges - if they chase you after that they can be taken to the Trading Standards and OFT people.

If they try creating reports against property and belongings you can report them to the Information Commission as you haven't given permission to search your file and they are illeagally creating a false footprint on your record. I'd also check that they haven't already blacklisted you on your own credit report. I had a similar problem when I first moved in, the previous tenant had a load of loans and was using the address up to 18 months after being evicted! She eventually got caught by British Transport Police fare dodging over west London (I am in south London) and was deported back to Spain. I don't mind being chased for any debts I actually owe but being chased for somebody elses debts and having markers put on my report for this is a bit much. Send each person the Harrassment letters from this site and the posts should stop - if they don't go to Trading Standards.

Write directly to the court, enclosing your letter and their reply and clearly lay out what you haven't received. Ask the court for a new hearing date as the defendants haven't supplied you with required information and if they fail to do this in xxx time you would like their defence struck out and claim awarded to claimant in defendants failure to provide vital documents... not quite sure of this wording but somebody else might help.

Write everything down and send a letter ~(recorded delivery - or hand deliver and ask for a receipt) explaining her attitude and asking for any recorded transcript of the call to be made available immediately. Also send the Harrassment by Telephone letter and if they ring again they can be reported to Trading Standards and the OFT. Good luck, I know what this situation feels like and nasty bullying people on the end of the phone don't help at all.

Gary Glitter.....