Hi, I think your best approach is to send the I do not acknowledge the alleged debt letter. See the templates library. And tell them to prove it.

Great news Equifax & Lowell have removed all table 1 seraches,now the fight for compensation starts:-)

The document posted is a Statement of account with Lowell they have used these in the past to try to get a response from people the Have ''Lost Touch With'' it's totally meaningless and does not I think even comply to the annual statement they are required to supply if you have entered into an agreement to pay them. The figures shown are the amount of the debt they have purchased and generally the period covered starts with seemingly random figures and ends with a current date. They are trying to confuse especially if the debt is stat barred a datednd they will state a credit agreement dated XXXX. So given your time line sb without a doubt. This information is from my personal experience.

Thanks I will get on to that , all input is very welcome!!!

The more the merrier,I am happy to collate all the info and submit it to regulators and MP's.:madgrin:

Help please I have just posted a new thread about these searches and am trying to gather a folio to submit to the regulators and my MP. Thread is in debt collection industry, all info welcome.

Great Blondmusic I have the lot Muck H paid compo for and the 6 Lowlife have tried( about to go legal). Brig

Step 1 complaint to Experian re UNAUTHORISED SEARCH and query why the association has been made. Step 2 complaint to OFT & ICO, keep all records letters/phone calls. Step 3 send CCA request to OC. How old is the alleged debt,and when was last payment/acknowledgement?

Do you and your partner have any joint accounts at present this sounds like they are fishing for contacts.

Was this search under searches made in connection with applications for credit? Which CRA is holding the data? I have just started a new thread on this and would like any info on what other Caggers are experiencing please.

Having had and still suffering from DCA's & CRA's posting searches under the heading of SEARCHES MADE IN CONNECTION WITH CREDIT APPLICATIONS AND SEEING THE NUMBER OF CAGGERS WHO ARE EXPERIENCING THE SAME PROBLEM I HAVE WRITTEN TO MY MP BERNARD JENKIN REGARDING THIS SITUATION, CITING THE SEEMING UNWILLINGNESS OF THE REGULATORS TO COMBAT THIS PLEASE POST UP ANY INSTANCES OF THIS OR PM ME As I INTEND TO PRODUCE A FOLIO OF THE THIS TO SEND TO MY MP, THE DIRECTOR OF OFT, AND THE ICO,PERHAPS WE MIGHT GET SOME ACTION.

Therre are so many of these searches being done at the moment,personally I believe it could be a ploy to get people to contact creditors when they have not responded to the barrage of threatograms. If everone reports any Table 1 Search by any DCA to the OFT & The ICO and also Trading Standards we might by sheer volume get this underhand practice stopped, so report,report lets get at them!!!!!

Do you know the where this person is now? Have you done a CCA request to the creditor? It seems to be well stat barred but if it's not your debt you need to get the CCA asap. Probably after this time no agreement exists, send do not acknowledge letter, template on here.

Probably Equifax they are in ''Bradford''

12 days +2 to allow for post.

Yes JonChris ,that,s the situation no valid CCA, Quoting the McGruffick -V- RBS case as confirmation that they don't have a valid agreement,and the reason for the court claim. Credit file shows no payments in 6 years +. Responded yes, answered questions/requests NO!!!!

I have gone through all correspondence 16 letters sent regarding the alleged payment but not mentioned in their replies.

Hi Senior no payments or offers ever made,thats why I wondered if this kind of thing has been challenged in court? I supposes the ''Your word against their'' situation applies,they have disregarded all mention since the letter stating not SB. Tried all the muppet companies involved in this shambles but never a mention again. Brig.

Hi cannot access that link above, just get error 404 message.

Can any one quote or post up any actual proof of payments been applied to debts nearing Statute Barred. !st. Crud insist that a payment was made on an account on16/02/2005, no record of any payments on defaulted debt show on any CRA reports,last payment was made to OC on 22/06/2004, also they say £10.00 paid to 1st. Crud 16/02/05 they have only supplied a reconstructed agreement 11 pages of T's &C's no signatures just their address and the alleged debtors,and have not replied to request to supply proof of payment. Case is at Northampton CCBC and a defence has been filed thanks to previous advice given here. Time limit foe defence runs out 09/09/2010. No comment from OC/solicitors or Connaught Collections. Defence has been acknowledged by court.

Write to the DCA holding the data stating that the entry is disputed and that you require a NOTICE OF DISPUTE posted on to your report. It seems to be your next step is to check on line if your court holds any stayed litigation asap or visit your court the staff a usually very helpful. How old is the debt? And have you sent CCA request to Crap One?

Just a thought have done Civil Procedures Rules Application for Document after the notification of the amended court date?

Amend your defence to state that the claimant has not responded to your requests for the documentation and your belief is that no agreement exists. A subject access request (SAR) costs £10.00 see the templates section on this forum) You will then be entitled to ALL the information the creditor holds onyou. Send recorded delivery and print name don't sign letter or postal order. Keep posting an responses Steve. Brig

Jacobs bailiffs & collections

Social security benefits can become stat barred after 6 years,if a CCJ has been obtained the council will have to apply to the court to restart the action. Overpayments over 6 years old/5 in Scotland can be deducted from current benefits. I think the limitations does not apply to Council Tax debts where a liability order has been made. Housing benefit is a Central Government benefit. This is my opinion based on personal experience.