Indeed Donkey, but then it still would be I accept on condition you prove it. Still exactly the same as saying I know nothing about it, prove it ect ect. If they can't prove it you can't accept it thats what you have stated. I'ts up to them then to do what they need to do in reference to fraud investigation or finding out who debt is liable to if they can't pin it to you, it's their fault.. I totally know why you say don't accept anything but I just don't think it's the correct wording. Just my opinion tho fellow caggers, sorry I opened me mouth now lol , peace

Agreed Donkey, all Im saying is if you deny a debt outright rarther then wording it 'I accept your claim on condition you provide me with proof of contact and obligation. wouldn't you be in a better possition legaly then saying I don't know nothing about it, I deny it, prove it ect ect. I have used this procedure for many years and haven't had the debts enforced or taken further and remain statue barred. Only going from my learning and experience. It's all in the wording Sillygirl, It may sound like your accepting but your not accepting naff all.

Also My comment never said Accept the claim. It say's Accept on conditions. Which is totally different.

Your not ''Admitting liabilty'' to the debt by accepting their claim with the condition of proof of contract and obligation. This is a red herring as some would say. Your mearly putting the ball in back in their park keeping the debt to your legal entity rarther then you as a human, then it's not a criminal matter ect ect. Never outright deny a claim, solistors get paid by telling you to deny creating contraversey. What I gather from here what your saying is to deny the debt compleatly until they proof it via cca or sars request, in some cases they do, so where does that leave you? in a possition of fraud? What i'm saying is nearley exactly what you guys are advising but it eliminates you as a human denying the debt and placeing the next move in the hands of the company and in no way makes you liable. As i'm aware unless a person has made an explicit promise to pay a debt via call email ect ect a statute barred the debt will be removed in 6 years.If you do however they can by applying the the courts but this is not easy done by the company. By accepting only with the condition they provide enforceable contract and obligation will not be seen as an explisit promise to pay. This video will make it very clear to you what i'm saying. http://www.youtube.com/watch?v=GJC6LGp24gA&feature=related. Please no hating we're all here to learn.Obviously this is my opinion down to many years study in corporate/contract law but if i'm wrong please feel free to correct me

Another disgusting practice by a corporation. I'm unsure weather it should of been Gross misconduct for such stated trivial matters. Are you in or your family in any Union?

What can I say about 'Bully' Zerbra Finance. Same problem with me although a cool legal chat ended up in immediate re-emburstment to a friends debit card I once had the full permisson by the friend to use. A Zebra never changes it's strips. PS watch out for an ilegal court claim letter through the post. ( the one they send to start a claim to the courts with hm logo, Highly ilegal but a known practice of ZF) Take them to court, I would be suprised if they show up or have your legal papers in order. Me, i'm waiting for any sort of responce from them since I explained their legal possition by sending me such wonderful mail, Best mail I ever got from them, that was many years ago mind. The judge will not see kindly to them sending official letters on behalf of the crown like that. Anyway, whats the situation today?

Thanks for the clarification.

Yes, I'm reasearching some things I will reply to your responce in a few hours brother.

When someone say's ''payday loans'' I seriously feel sick. I personally have not had the pleasure of pay day loan sharks thank god.

In my opinion I would have to say he may have a claim against you, my advice is seek him out personally to remedy the situation before it escalates and remove the whole thing from the facebooks public domain. Maybe a public apology of the non intentional remarks made ect ect would surfice. I don't condone what you have done either.

Take it from someone who has tested this procedure out. A notice of correction will do absolutly nothing in relation to a company(s) view towards your score or the acounts to gain credit. In my 'tested' opinion it's a waste of one's time. You say your legal ficton needs £2500, looking at your stated info you have nothing to worry with a few late payments. My personal advice, save your disposable pcm of £500 for 5 months with many added benefits ie no apr ect ect. Peace. How one would engage in contracts and not know fully the legalities of such contract surely must be insane Ride.

Hi guys n girls, I have an account with a loan company who charge an absolute fortune in interest alone, anywayz I check my credit file on -line every nite and have seen that they have removed the account entry from my file? I havent phoned them to ask why but i'm just wondering if they could put it back on once they find this out or am I in a position to just accept its removel and not pay them. I have stoped this months payment and they havent phoned me up yet. Any ideas any1, Thanks Darren:)

One thing is for sure, Law reform is needed in Consumer Protection. Whats the point in having rules and regulations when they are unforceable? So much for the European Union of Human Rights Convention giving Consumers more security?

Hi every one, I have recently ask for Experian to see if they could remove a default of my credit file due to the company not having a copy of my agreement I signed way back in 2000. This is their response, Please aire your views as im sure if the credit agreement can not be found legaly no debt exsits, or so I thought. Dear Mr XXXX Thank you for your email, which we received on XX February 2009. Please note, that if a company cannot provide you with any actual evidence of your initial consent, this does not necessarily mean that they or us have to remove the data from your credit report. For example, if a company can demonstrate that an account was being paid on time for a number of months/years prior to falling into arrears, this is often seen as evidence that the individual concerned must have consented to the terms and conditions of the contract. Furthermore, a company will only open an account if the applicant agrees to their terms and conditions so, unless the account was opened fraudulently, the account holder must have agreed to the standard terms and conditions for that type of account. Therefore, as long as the company terms and conditions specify that they reserve the right to pass account information to a credit reference agency, a period of meeting contractual obligations, or simply opening the account, will often be deemed as evidence of consent to those terms and conditions. I am unable to arbitrate in a dispute between you and a company regarding whether they have complied with a specific piece of legislation. I would recommend that you either approach the company directly or lodge a formal complaint with a recognised regulatory body should you wish to take this matter further. We do not amend or delete information on a credit report when it is alleged that a company has not complied with a request for information to which the individual believes they are entitled. We cannot act unilaterally to remove data from your report Please tell me why the Yorkshire Bank default is incorrect and I will contact the company for you. Regarding removing the account because it has not been updated for over a year. There is no need to continue updating this account as the balance is satisfied. This means the account will not change further as it is closed. We keep defaulted accounts on your report for six years from the date of default. This is true whether or not the debt has been fully repaid. Agreeing to make payments after an account defaults does not change the history of that account. This is true even once all payments have been made. The status history of "8" shows that, at the default date, the account was not being managed according to the contract. The status history of "8" will remain in place even if you make payments to reduce or clear the balance. Kind regards Mrs Catherine XXXXXXX Consultant Consumer Service Officer CreditExpert

What ever you do do not sign that agreement, you will need to go in and ask them how they are getting their sums and record this on your phone, as long as one person in the room knows they are being recorded ie yourself it is not agaisnt the law to record them. unfortunatly if your loan was for £280 pcm and your only paying £120 it probley will take you over ten years to pay it back, i got a car from welcome in january 2008, it was a 206 worth £3000 paying back £260 per month, i took the car back two days later after going through the agreement and notcing i would pay £11000 back, i can get the same car now for under £2000 cash lol. they took the car back with no problems but a few days later i had a default on my credit file by welcome for £20 lol, which couldnt of been in default becouse the agreement was not in place for the 8 payments it was missed in order for a credit account to be put in default, anyway they appologized after many phone calls and removed it, this was done in spite becouse i took the car back and didnt have to pay a penny for the two days i had it, lol. Although i must say i now have a loan with welcome and everything is fine with it , i have missed a few payments phoned them up and told them , they have been very nice and understanding and i have not incured any fees or problems with it on my credit file. the apr is a bit high but thats the price i pay for not having a clean credit file, ring up your welcome branch and ask to speak to them, they will help you if your honest and open. but a ten year agreement is a bit too long.