I dont know. Any suggestions? I have also had a letter from Low-ells and they found the Credit Agreement! Will upload it shortly.

I havnt heard from Lowell's yet either.

I got a reply from Crapbots!!! Here is the one re: my Hiatchi Nova debt: Full thread is @ http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/186403-cca-request-cabot-x.html Here is the one re: my Vanquis debt: Full thread is @ http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/186403-cca-request-cabot-x.html

Here is Crapbots reply to my letter here for my Vanquis debt:

Here is Crabots reply to my letter here for my Hitachi Nova debt:

lol

Anyone?

Well Moorcroft havnt replied to my Default or S10 letters and their time is now up, so where do I go from here? Do I send them another letter or complain to CSA Website or Financial Ombudsman Service and if so, do I complain to them both or if just one of them, which one?

I thought they were. It seems to be the same with all my Halifax debts.

CCA sent 2 April.

Crap Quest's reply to me on 7 April: My reply is to follow shortly.

Crap Quest's reply to me on 5 April:

Letter received on 6 April: HAHA I WIN!!! Still need to get the defaults removed from my Credit Report though. Will see what their reply with to my letter @ http://www.consumeractiongroup.co.uk/forum/show-post/post-2071648.html.

Letter received on 25 March: I have advised Cabot that I have changed address and although advising them this and despite them replying to my S10 request at the new address, they are still sending letters for the Vanquis account to my old Mailbox address, despite sending letters for the Hitachi Nova account to my new address, so I replied with the following letter: Date: 4 April 2009 Ref: By: Recorded Delivery Mr Steve Perring Customer Assurance Adviser Cabot Financial (Europe) Ltd 1 Kings Hill Avenue Kings Hill West Malling Kent ME19 4UA Dear Mr Perring INCORRECT ADDRESS. I am rather disappointed that a company such as Cabot Financial (Europe) Ltd could make such a basic mistake as to send mail intended for me to the WRONG address for the SECOND TIME. As you are fully aware, this is in breach of the Data Protection Act. I have previously informed you of my address change to the address at the top of this letter, yet you have completely ignored my request. Cabot currently hold two accounts, allegedly belonging to me, the other being ref: REMOVED. For some reason, known only to Cabot, you have been able to change my address on the other account, but not the one this letter pertains to. Any further mail sent to the mailbox address REMOVED, (which you had incorrectly added anyway as my Mailbox was REMOVED will be ignored. Only mail received at the correct address, as stated at the top of this letter, will be responded to. I wait in anticipation for your reply Yours Sincerely

Thanks Tigger.

lol

Letter received from Wes-crock: My reply (with help from good ol' Clemma): Date: 4 April 2009 Ref: By: Recorded Delivery Ms K Bower Wescot Credit Services Ltd P O Box 137 Hull HU2 8HF Dear Ms Bower INCORRECT ADDRESS & NO REPLY TO LEGAL NOTICE. I would respectfully ask if my last letter, dated 21 March 2009 and received by Wescot on 24 March 2009, was actually read by anyone in the office? A copy of this letter has been enclosed for your perusal. As you can see, the very first line states: PLEASE NOTE MY NEW ADDRESS AS ABOVE. I also sent a default letter regarding my CCA Request to the Ayrshire office, which was signed for on 24 March 2009, which also stated my new address at the top of the letter. However, imagine my surprise when I found you had sent me a letter (dated 27 March 2009) to my old Mailbox Address of REMOVED. I therefore request (yet again) that you change my address for the alleged account on ALL systems at ALL offices. Any further mail sent to the mailbox will not be responded to. Only mail sent to my new address (as shown AGAIN at the top of this letter and my previous letters) will be responded to. I also enclose a copy of my Legal Notice under the Data Protection Act 1980 for you to stop processing my data. This was previously sent to the Ayrshire office on 21 March 2009 and signed for on 24 March 2009. However, as I have not had the courtesy of a reply, I am re-sending, again for your perusal. I wait in anticipation for your reply Yours Sincerely

Well after my computer dying on me and having to get a new one and other delays, I finally sent the letters off today - one to Low-ell and two to Crapots. So watch this space. Martin, here is a copy of the S10 that I sent: Date: 21 March 2009 Your Ref No: By Recorded Delivery Dear Sir/Madam LEGAL NOTICE UNDER THE DATA PROTECTION ACT 1980 Please be advised that this is a formal notice issued under Section 10 of the Data Protection Act 1980. I demand that you cease processing of my Data by any means whether written or electronically, with third party, individuals and organisations. In addition to processing, this also means passing, amending, sharing and management in any form of my Data in whatsoever filing, both manually or electronically. In compliance with the Information Commissioners guidance, I give you 14 days to comply with this request. The purpose of this request is that I am of the understanding that your continual processing/controlling of my data will cause distress harm and damage. Specifically because; ▪ My credit worthiness is being or has been damaged by your actions as a result of your entries to my credit files. ▪ That I fully expect to show that adverse data was wrongly filed which would mean that earlier processing was unfair and unjust. ▪ That matters in relation to adverse data you have entered onto my credit files are currently in dispute. ▪ That the adverse data you continue to process, manage and pass on to third parties impedes my ability to apply for credit, mortgages or other financial services ▪ That as a Data Controller/Compliance Officer, you have a responsibility under the Data Protection Act to observe all principles set out therein, within the act. I expect an acknowledgement of your intentions to comply, and if you do not agree, your reasons for being unable or unwilling to do so. You have until 6 April 2009 to forward this to me in writing. Under the Data Protection Act, a County Court has the powers to order compliance of any breaches it sees fit, together with compensation, at the discretion of the Court. Should you fail to comply, or give just and reasonable reasons as to why you will not comply, I will consider making an application to my local County Court on notice to force compliance, together with costs and compensation. I look forward to hearing from you within the prescribed timescale. Yours Faithfully

Its the end of the month! lol

She can call as Ive gone deaf lol.

Hey Clemma, Tilly is calling you DORA lol

I'll try but Saturday's tend to get rejected as its our busiest day. I will try though and get it off.

Cant it be on a Thursday or Friday?

Thanks.