They can all have my home address now as they dont scare me anymore.

I was using the Mailbox because I was afraid of them and didnt want them knocking at my door. I dont give a s**t now though (thanks Clemma ) and I have informed them all of my home address and they can "bring it on". Is it a warning against me as a person though or against the address?

Its very suss if they are asking for that info. Goodness knows what they would do with the info! Dont send them a swearing letter as they will love it.

What day is the divorce courts closed again?

Well I owe them £751.90, so if they want to discount it so I only pay 90p they have a deal!!! :eek:

Glad to hear it sugar plum. See ya soonies. Well a few million would be nice. :grin:

No, not yet but will do sometime this week as have 5 days off now. Thanks for that! I will store it and add it to my new site which I am making all about The Lending Group, etc. I contacted them once and they declined my claim but I contacted them again and they said to resubmit it, which I have done a few days ago. Fingers crossed!

lol

Hi Clemma, how's my honey doing today?

Cant wait lol.

They will be looking for it until the cows come home lol. I loved the part when it said "when we find it, you will have to pay the full amount" YEAH RIGHT! They can go and whistle because I havnt got the full amount lol.

Letter received from LOW-ell.

Letter received from Crapbot. Do I reply to them or wait and see if they reply to the Default and S10 letters Ive just sent?

S10 letter 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 Default letter sent: Date: 21 March 2009 Your Ref No: By Recorded Delivery Dear Sir/Madam I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT. Thank you for your letter dated 2 March 2009, the contents of which have been noted. Please note my new address, as above. On 27 February 2009, I made a formal request for a true copy of the Credit Agreement for the alleged account under the Consumer Credit Act 1974 Sections 77/78. A copy of my request is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account is now in default as of 19 March 2009. The document that you are obliged to send me is a true copy of the executed Credit Agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both the original creditor and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account as proof of ownership of said account. Please note the following: I have made you aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a Credit Agreement to be carried out before your client enters into a default situation. This limit has now expired. Section 77(6), of the Consumer Credit Act 1974 states: “If the creditor fails to comply with Subsection (1)(a) He is not entitled, while the default continues, to enforce the agreement. Therefore this account has become unenforceable at law.” Under the terms of statute law you have failed to comply with a lawful request for a true, signed copy of the said Credit Agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both unlawful and vexatious. Furthermore I shall counterclaim that any such action that constitutes unlawful harassment. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a Credit Agreement is a very clear dispute and as such the following applies: ▪ You may not demand any payment on the account, nor am I obliged to offer any payment to you. ▪ You may not add further interest or any charges to the account. ▪ You may not pass the account to a third party. ▪ You may not register any information in respect of the account with any credit reference agency. ▪ You may not issue a default notice related to the account. ▪ You must remove information logged with any agency which you claim you assert the rights to. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours Faithfully

S10 letter 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 Default letter sent: Date: 21 March 2009 Your Ref No: By Recorded Delivery Dear Sir/Madam I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT. Thank you for your letter dated 2 March 2009, the contents of which have been noted. Please note my new address, as above. On 27 February 2009, I made a formal request for a true copy of the Credit Agreement for the alleged account under the Consumer Credit Act 1974 Sections 77/78. A copy of my request is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account is now in default as of 19 March 2009. The document that you are obliged to send me is a true copy of the executed Credit Agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both the original creditor and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account as proof of ownership of said account. Please note the following: I have made you aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a Credit Agreement to be carried out before your client enters into a default situation. This limit has now expired. Section 77(6), of the Consumer Credit Act 1974 states: “If the creditor fails to comply with Subsection (1)(a) He is not entitled, while the default continues, to enforce the agreement. Therefore this account has become unenforceable at law.” Under the terms of statute law you have failed to comply with a lawful request for a true, signed copy of the said Credit Agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both unlawful and vexatious. Furthermore I shall counterclaim that any such action that constitutes unlawful harassment. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a Credit Agreement is a very clear dispute and as such the following applies: ▪ You may not demand any payment on the account, nor am I obliged to offer any payment to you. ▪ You may not add further interest or any charges to the account. ▪ You may not pass the account to a third party. ▪ You may not register any information in respect of the account with any credit reference agency. ▪ You may not issue a default notice related to the account. ▪ You must remove information logged with any agency which you claim you assert the rights to. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours Faithfully

S10 letter sent: Date: 21 March 2009 Your Ref No: By Recorded Delivery The Legal Department Cabot Financial (Europe) Limited 1 Kings Hill Avenue Kings Hill West Malling Kent ME19 4UA 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 Default letter sent: Date: 21 March 2009 Your Ref No: By Recorded Delivery Cabot Financial (Europe) Limited PO Box 241 West Malling Kent ME19 4NA Dear Sir/Madam I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT. Thank you for your letter dated 2 March 2009, the contents of which have been noted. Please note my new address, as above. On 27 February 2009, I made a formal request for a true copy of the Credit Agreement for the alleged account under the Consumer Credit Act 1974 Sections 77/78. A copy of my request is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account is now in default as of 19 March 2009. The document that you are obliged to send me is a true copy of the executed Credit Agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both the original creditor and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account as proof of ownership of said account. Please note the following: I have made you aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a Credit Agreement to be carried out before your client enters into a default situation. This limit has now expired. Section 77(6), of the Consumer Credit Act 1974 states: “If the creditor fails to comply with Subsection (1)(a) He is not entitled, while the default continues, to enforce the agreement. Therefore this account has become unenforceable at law.” Under the terms of statute law you have failed to comply with a lawful request for a true, signed copy of the said Credit Agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both unlawful and vexatious. Furthermore I shall counterclaim that any such action that constitutes unlawful harassment. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a Credit Agreement is a very clear dispute and as such the following applies: ▪ You may not demand any payment on the account, nor am I obliged to offer any payment to you. ▪ You may not add further interest or any charges to the account. ▪ You may not pass the account to a third party. ▪ You may not register any information in respect of the account with any credit reference agency. ▪ You may not issue a default notice related to the account. ▪ You must remove information logged with any agency which you claim you assert the rights to. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours Faithfully

S10 letter 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 Default letter sent: Date: 21 March 2009 Your Ref No: By Recorded Delivery Dear Sir/Madam I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY OR ANY COMPANY YOU CLAIM TO REPRESENT. Thank you for your letter dated 2 March 2009, the contents of which have been noted. Please note my new address, as above. On 27 February 2009, I made a formal request for a true copy of the Credit Agreement for the alleged account under the Consumer Credit Act 1974 Sections 77/78. A copy of my request is enclosed for your perusal and ease of reference. You have failed to comply with my request, and as such the account is now in default as of 19 March 2009. The document that you are obliged to send me is a true copy of the executed Credit Agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both the original creditor and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account as proof of ownership of said account. Please note the following: I have made you aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a Credit Agreement to be carried out before your client enters into a default situation. This limit has now expired. Section 77(6), of the Consumer Credit Act 1974 states: “If the creditor fails to comply with Subsection (1)(a) He is not entitled, while the default continues, to enforce the agreement. Therefore this account has become unenforceable at law.” Under the terms of statute law you have failed to comply with a lawful request for a true, signed copy of the said Credit Agreement and other relevant documents mentioned in it, failed to send a full statement of the account and failed to provide any of the documentation requested. Consequentially any legal action you pursue will be averred as both unlawful and vexatious. Furthermore I shall counterclaim that any such action that constitutes unlawful harassment. Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute. The lack of a Credit Agreement is a very clear dispute and as such the following applies: ▪ You may not demand any payment on the account, nor am I obliged to offer any payment to you. ▪ You may not add further interest or any charges to the account. ▪ You may not pass the account to a third party. ▪ You may not register any information in respect of the account with any credit reference agency. ▪ You may not issue a default notice related to the account. ▪ You must remove information logged with any agency which you claim you assert the rights to. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours Faithfully

edited

How is it fraud though? So is it a warning against the PO Box and not me as a person?

Because I was afraid of them and didnt want them knocking at my door.

When I get a spare 5 mins, I am going to make my own website about them warning others. So watch this space!!!

Nice one Sally!

To keep my debtors off my back, I rented a Mailbox with MBE and Lowell and Aktiv Kapital have only gone and passed this on as my current home address with the Credit Reference Agencies!!! Common sense would tell you that I cant live in a Mail Box. As a result I think I also have a CIFAS Fraud Marker against my name! See http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/190439-cifas-warnings.html for more details. Lowell & Aktiv Kapital ARE COMPLETE AND UTTER IDIOTS. Guess they must have got their brains from the Halifax Bank. == Rant over ==

I was very upset when I just saw the following FRAUD marker on my credit file with Call Credit!!! CIFAS Warnings Warnings registered at your address(es) by the UKs Fraud Prevention Organisation, CIFAS. Entry reference: CI1 Name Used: Date of birth: Address: Unique Reference Number: REMOVED Filing Member: Bank of Scotland Equipment Finance Limited Fraud Category: Filing Date: 01/09/2008 The only part I have removed from the above is the Ref No, everything else (including the missing parts) are as is. Does anyone know how a CIFAS fraud marker works? Is the marker placed against the address or against the person? The address relates to a Mailbox that I am renting from MBE. I have no other markers against any of my other addresses, which makes me wonder if it is a marker against the address and not me as a person. Any help would be GREATLY appreicated. Thanks