Id reckon you have as much chance prying that out of their fingers as I do turning lead to gold. Id think you can write until your blue in the face, but without going to court they are going to dig their heels in. Im not saying it cant be done, just your going to have to be very prepared for a big fight to get it back.

Needs reporting. Pure and simple deceit of the highest order. Breaking every rule that they are supposed to adhere too. Please, please, please report this, otherwise they will go on and do it to someone else who maybe doesn't have the help of the Cagger's and falls victim to this B*llsh*t. Im glad you have found help, now please help others by reporting it. Regards Mr Ink.

This scares the pants out of me, my dealings with companies who are owned by foreign money is they run rough shod over UK law. Natwest have been slapped, Barclays have had a far more healthy slap, these DCA's needed brought into line, they get away with absolute murder compared to other business structures. Im very worried Foreign companys will hide behind there structures and law abroad.

TBH they should have hit the underhand DCAs first, without these people Debt Management wouldnt need to be there......

Must say Im pleasantly surprised. May I say now is the time to put pressure on those who you know have very likely been warned. See how many bow a litle under the pressure when you tell them you are happily about to report them for underhand practice.

I gave them ample opportunity to get themselves off the hook by withdrawing the ccj and paying a token amount of compensation. Stupidity on their behalf as I'm now looking at costs, damages etc. And they really have shot themselves in the foot

As Advised I have asked the court to do the paperwork and lodged a complaint with the ICO, as far as I can see this is a deliberate ploy on their behalf as they now know I going to go ahead and take them to court over another issue.

Im not holding my breath....... both purple, blue then fishy belly white are not great colours on me........

On a very sad note, Award for the DCA who caused the most suicides this year?

Hmmmmm what does that leave then? in there own interests? and there we have the crux of it. I think CRA's have a valid place in society, a well ran and properly governed society. Anything with a clear reliance to the running of the financial sector and that can so clearly damage reputations and lives should never ever, ever be ran for profit. We dont need three CRA's. We need one, properly ran, properly governed, independent, with a voted panel that has no biase to either side, ran without a profit based motif. Otherwise its never going to change. All I can see in what goes on is corruption, greed and frankly the lowest common denominator in life again gets p**sed on from a great height. Oh dear, there I go off on one again............... I think a cup of coffee and ten minutes away from my computer would do me good.

Agreed, and while I appreciate its not going to happen everytime, sometimes there is so much information in a file things do get missed......

While I see your point, surely whomever is dealing with the debt knows the situation. I see this mearly as another way of a DCA to punish someone in trouble. I cant see any other way of looking at what they do other than as leverage. This isnt going to change without legislation and unfortunately I just dont see that coming at all. Theres a lot of bluster and talk and frankly far too many toothless organisations doing very little to help the common man. If I look at CRA and DCA and the punishment they are capable of inflicting then look at criminal actions you get some sort of perspective. Six years punishment is way way to long for someone who may have fallen into hard times due to divorce or illness, yet I see **** of the earth doing some horrible things to people in society and getting a six month suspended sentence. We seem to have it all back to front. Sorry If iv jumped onto this thread, sometimes it feels a little better to get these things off your chest, especially when Im sitting at home going through legal papers for the twentieth time. Regards M

Frankly I think its a good idea, one DCA repeatedly told me A was B until they were blue in the face. I let the whole thing go quiet for 7 months then SAR'd them. I now have enough on them to take them to court. They hung themselves in the information they sent out.

Thank you very much for this information. Again I think it beggers belief that A DCA can hold your credit file almost at ransom with this information. Making it as absolutely awkward as possible.

Jesus, and Englishman, Scotsman and a debt collector went into a bar.............. Anyone with any other "jokes" to hand?

Well said. Theses guys have pulled so many fast ones with me its its untrue. Iv got one court case pending and Im trying to get them to mark a CCJ I paid for three years ago as satisfied. They ignore every letter now they know Im taking them to court. Ill do whatever I can in this matter.

Hi to cut a long story short Capquest took out a CCJ against me almost three years ago. It was settled within 8 weeks as the paperwork was sent to an old address I just didnt have time to defend. Stupidly I let it go and now three years on Iv been told Iv got little chance for set aside in this case. Thing is I settled it through my solicitors at the time but Capquest ignore any request to mark it settled or send me paperwork so that I can mark it as such. Iv kept the letter from my solicitor saying it was paid but the court wont accept this. My thoughts are now to turn to the Information Commissioner, but apart from court is there any other avenue I can try? Thanks for any advice, I feel like Im bashing my head against a brick wall with this lot as they simply wont respond at all. Iv heard they are busy getting their wrist slapped over similar activities.

Thank you for that. Very much appreciated.

Does anyone have an email address for these people please? I cant find one on their website and I would very much like to make myself a pain in the butt, or a thorn in the side with someone a little higher up the ladder. Any help would be appreciated.

Subbing with extreme interest.

Do any of the legal seagulls on here know of any cases where precedence has been set by a judge in a case where a DCA has sent papers to wrong or old address in order to gain judgement by default? Im interested in cases and anything that may help me in my attempts. Anything that could really help would be appreciated. Im weighing up my choices/chances..... Thank you in advance........

I didn't know I could ask for the documents from the court. I have SAR Capquest so I have everything (supposedly) they have about me. I have proof that I was living where I said I was, when I said I was. I was really thinking at this point to stick to the defence of papers never delivered despite claiment being aware of my address. I really do think this is a very sneaky thing to do and wonder how many other people have been hit with the same trick Thanks for your advise Debs. I will mull it over but I really dont want to wait too long as I have heard the longer time between judgement at application for set aside, the less likely you are to get it.

Yes, to cut a very long story short, the CCJ is logged at the address (and family home) I shared with my ex wife, I was living at another address at this time. I then moved to another address where Capquest sent me a demand for payment (no mention of CCJ) which I paid the full amount requested. I moved into my current house in January of this year, registered on voters poll immediately. Out of the blue in June a CCJ appeared on my report that I was unaware of. I did say it was fairly complicated. sorry if Iv caused confusion.

Thanks again Debs. Most helpful. I Take it I need to make this part as simple as possible. 1 A Country Court Judgement was obtained against me on the 25th June 2008 by default. I was first made aware of of this on 6th of June 2010 by an alert through Equifax Credit Reference Agency whom I have been a member of since January 2010. Despite receiving regular credit reports for twelve months prior to this, there had been no indication of a County Court Judgment. The Judgement is listed at an old address despite the claiment being in possesion of my new address. I am therefore asking the judgement be set aside as I was denied the opportunity to defend this claim. Rather than make argument at this point the above is enough for a hearing and I should make any relevant arguments in front of the DJ?

Thank you for the prompt reply debs. Iv taken your advice on board and have wrote the following: 1 A Country Court Judgement was obtained against me on the 25th June 2010 by default. I was first made aware of of this on 6th of June 2010 by an alert through Equifax Credit Reference Agency whom I have been a member of since January 2010. Despite receiving regular credit reports for twelve months prior to this there had been no indication of a County Court Judgment. It appears that the court papers in this case were sent to my old address where my wife whom I was separated from still lived. This is despite the claimant being aware of my current address at the time, and having received some payment towards the debt. It would appear that Capquest have issued the claim to an incorrect address to gain judgement undefended. I am therefore asking for the Judgement to be set aside, as I was unable to defend as the papers where clearly sent to the wrong address. Had I been aware of an impending County Court Judgement at the time it was taken out I would have attended court to defend myself, ensuring that Capquest had all relevant paperwork regarding this case. At the time I had an agreed sale of my house which was completed on the 15th August and funds were available to pay Capquest within the 28 day allocation required. 2 A demand for payment was received from the claimant on 31st December 2008 without mention of any CCJ or court action, an arrangement to pay was reached in March 2009 and was settled by 8th July 2009. I settled the demand without complaint or prejudice. Can anyone take a look over this and tell me if 'Im over cooking it or I have got it where it needs to be? Do I keep it this simple or makes notes such as (item a) within the text to make it easy to check over or is this all done on the day? Pretty nervous about handling this lol