AND it is proof in a judges' eyes too.

i wouldnt bother paying all that amount for speical del etc proof of postage is free....and once they cash cheque you have double the proof

lo........l................................sorry, proper giggles, cheers Np , wrote it down next to phone. pt, yep, thats what i was doing, but i know i'm in the right regarding the law/act etc, mac hall f***ed up big time. meritforce are owned by mac hall, so stating they are their clients is a lie, and could have been misinterpreted me thinks, sent a letter...... also contacted trading standards(again) about meritforce and letter asking for payment on a legal disputed alleged account which is unenforcable >that sound right? lol

ok, update, late aug i had a call from meritforce....told them to well you know, and in writing only. so yesterday i got a letter stating mac hall their 'clients' (erm, they own your company idiots) demanding payment....so obviously i've sent them a long letter of acts etc basically stating they should send this back to mac hall due to them being in legal dispute of non compliance of cca request of 3rd sept(12+2+month) and trading standards are involved too. so, today i get a call from meritforce asking for payment(dont think they will have got letter yet), basically told them NEVER to call phone, in writing only, though i dont suppose they will be writing again.answer: WHY? so, told them about their owners,mac hall and just because they have a different name does not mean i cannot sue them for harrassment due to them being within the same company(sort of),and being in legal dispute they cannot ask for payment at all until cca request is sent. the woman flapped, so i said goodbye. now, about ten minutes later, i got a call again, this time i picked the phone up.......................and put it straight back down........its been an hour since then.

that came in a email today.....

[/url]Dear gcm Apply for a Capital One Visa Card to get a credit limit up to £2,500. We'll give you a response in1 minute- guarantee! Enjoy a host of benefits including: Credit limit up to £2,5008 great card designs to choose fromUp to 56 days interest FREE credit on purchases if you pay your balance in full each monthActive Fraud Protection and Identity Theft AssistanceEasy cash access Let us help you find a credit card that suits you

add this to it Social Security Administration Act 1992 Miscellaneous Certain benefit to be inalienable ** 187- Subject to the provisions of this Act, every assignment of, or charge on- (a)benefit as defined in section 122 of the Contributions and Benefits Act; (b)any income-related benefit; or ©child benefit, and every agreement to assign or charge such benefit shall be void; and, on the bancrupcy of the beneficiary, such benefit shall not pass to any trustee or other person acting on behalf of his creditors. ** inaliable = not to be forfeited. ------------------------------------------------ Basically they can't take you benefit money for overdrafts or debts, and if they have you can ask for it back !

also, i'd telephone child benefit back, try 0191 225 1144, ask to speak to a manager....... this money is for children,NOT for the bank, therefore child benefit office do have the right to recall money. just like inland revenue can do it for you too.

or, as K65 says..................lol IT WILL WORK TOO GOING INTO THE BANK

dont worry, they cannot NOT let you have it, telephone child benefit, this happened to me a few months ago, same bank, though it was partners working tax credit, child benefit 'should' contact bank, if not, dont worry.......you really need to send the letter, they have to by law release your money (childrens money)......and yes, IR do reclaim money, i think child benefit do too.. regardless, SEND THE LETTER........they cannot legally have benefits' money, and the banks' know it.

hi again, i really think you need a chat with laiste about this(a solicitor) i've sent a message through here,saying i think you need their help. laiste is busy but does eventually get to you.

you may also find,welcome will have added 'charges' ie, late payment fee etc..which are unlawful, so, if/when you get your statements check for charges,and claim them back

just realised yours is a car loan, but still may have admin fee(like their fee for 'helping' you get a loan/car with them,admin as in their fee for sitting down with you for 10 mins and filling out a credit agreement................ cca, you are basically asking for a signed credit agreement sar - under data protection laws, you are able to get ALL a company has about you , like statements(mainly only up to pass 6 years), agreement, any telephone conversations (in written form), etc...

a lot of welcome finance'agreements' are unenforcable, they at admin fee into the final amount,therefore you pay a monthly amount on their admin fee

well they are in default cca-signed credit agreement sar everything they have on you, statements,etc.

A County Court Judgement results from a court action by a creditor (a person or company to whom you owe money) that says you have failed to make payments on a debt to them. The County Court will make an order that you must repay the debt and this will then be listed on your credit record. In Scotland a CCJ is known as a “Decree” and are issued by the small claims and summary causes sheriff courts. All judgement, decree and administration order data is supplied to the credit reference agencies by Registry Trust Ltd., the non profit organisation that operates the registry in the UK: http://www.registry-trust.org.uk If you receive a new CCJ, you have one calendar month in which to pay the amount in full before the CCJ becomes registered. If you are unable to pay the amount in full straight away you can pay it at a later date. However even paid CCJs will still remain on your credit record for 6 years but potential lenders will be able to see that you have paid the debt. If you have paid your CCJ you should apply to the court where your case was heard for a Certificate of Satisfaction. This will cost you £10. default notice If you have a personal loan or credit card and you fail to make the payments the creditor must issue you a “default notice” before they take legal action. A default normally occurs when the terms of a credit agreement have not been met and the account is 3-6 months in arrears. Under the terms of the Consumer Credit Act of 1974 the default notice should state: Name and address of the creditor issuing the notice and your name and address The type of the agreement and details of how they think you have breached the agreement An early settlement figure The actions that you need to take to comply with the agreement The next action that the creditor intends to take in the event that you can’t comply with the agreement. Usually you will have at least 7 days to comply. The creditor can start court proceedings if you do not comply with the default notice and this can lead to the registering of a County Court Judgement. The default will be registered on your credit file and will show the date that you broke the relevant term of the credit agreement, the amount owed at the time the term was broken (the default) and the amount still owed to that account. This will remain on your credit file for 6 years.

but its highly impossible to prove i received it too..... i didnt live in any address a dca could call or knock on a door or have any visitors ( 'womans' aid hostel) so therefore i know i definetley did not get a default notice, because at that time i could not give the address out to anyone. The CCA 1974 requires that a default notice is 'served' . Yjis doesn't mean that it has to be received by the customer / debtor. It's pretty impossible to prove that they haven't sent it to be honest. But it is for them to prove it has been sent, + prove a deed of assignment, otherwise, any company /dca/solicitor etc can take you to court and state they issued default notice, there has to be a paper trail to prove it. YOU CANNOT BE TAKEN TO COURT WITHOUT FIRST HAVING BEEN ISSUED A DEFAULT NOTICE.

first off, cca request (+1 pound) against each 'alleged' debt, this will buy you some time, and until they send you the info they cannot ask for payment. (12 + 2 working days)- if nothing then they are in default after another calendar month, and nothing in way of info, then they cannot enforce without going to court. if by chance, you get the info, THEN s.a.r. banks or whatever (the original company/bank) for all statements.accounts etc, then she how much they owe you in charges etc. link to all the letter templates http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

lol, i know the above,just i've never actually seen it before, it is the same account, but 2 days difference in start dates.

capquest not a basic pay up, if a satisfactory payment programme is not estabilished and or you fail to comply with our request to contact this firm, we will not hesitate to utilise the legal system to its full extent. i replied with cca request, and stated therefore, you can take this as contact to your firm. this is, i have partners' ( yes, another one of his), credit file, though it does state a default on it for this, further down for same it states settled. this is how it is (please note the dates) littlewoods monthly current 503 default 504 start 23/10/2003 (note the date) default 01/2005 end 01/2005 dob last update feb 2005 monthly status d(default) now this one littlewoods limit 300 start 21/10/2003(see what i mean) end 31/5/2004 dob last update 6/6/04 monthly status s(settled) same name, same address and he definetly only had 1 account any help on this one........even though i have it in black n white, capquest are gonna be beeb beeb beeb

after i sort out b carter,crap and mac hall, then i'll have the time to s.a.r. all 3 of the c.r.a's, something a lot of people are doing lately. at least i'll know who has access to my data without my knowledge,then send ' stop using my data' to them all.lol

so, as you can see by all the above, once you give cra 'new' address, thats when dcas come a knocking

the above is on the Equifax site, then a link to their debtor management services Data Reselling and Strategic Partnerships Equifax is also pleased to provide opportunities to resell its marketing and business data, and to become a strategic partner through the joint packaging or integration of services to increase mutual sales.

Is my debtor still resident at their last known address or have they moved? Equifax can rate the likelihood of your debtor being resident at their last known address or confirm if they have moved. What is my debtor’s current address? Equifax can reliably supply the new address of your debtor because we provide: Data from the highest quality sources (no marketing data is used) Daily updates of current movements PAF verified new addresses Recent and historical moves And, with a wide range of selection criteria you can maximise the number of relevant leads whilst minimising costs and wasted time. Equifax can provide a wealth of information about your debtor, enabling you to pinpoint which cases are most likely to be recoverable and what strategy will be the most cost effective. Using Equifax’s services you can efficiently channel your activities, focussing on the best strategies for maximum revenue recovery. You need to know Will my debtor pay? Using highly predictive scoring techniques, Equifax can rate the ability of your debtor to repay or using your own data, build you a customised collections scorecard. Should I go to court? Equifax can provide you with information on whether your debtor already has CCJs, is a declared bankrupt, or has established an IVA. Is my debtor still credit active? Equifax can provide you with information on their current credit and account activity. Are they likely to move? Equifax can confirm their length of residency and residential stability. Does my debtor have significant assets or wealth? Equifax can indicate whether they are likely to own their own home or have other significant wealth or assets. Can I phone them? Equifax can append telephone numbers. At what life stage is my debtor at? Equifax can provide you with the age of your debtor, lifestyle information and household composition. Equifax debtor management services are available online, or via our unique user-controlled parameterised rapid batch options for small or large users. In addition, fully customised batch options are available for the larger, or more specialised user. Equifax can offer you a full range of tools to determine the who, where and what of effective debtor management. By providing you with detailed information on individual debtors, you can implement the most appropriate strategies to recover the greatest amount of debt in the least amount of time and at the lowest cost.