Hi, i wonder if anyone else has been subjected to something similar. In brief, i disputed a payment on a contract that i was told had been stopped when i reported a mobile loss, and was later billed for the contract after it was supposed to have been stopped when i reported it because it was out of contract. In trying to resolve this. I was then told the account had been closed. I am aware THREE different DCA had bombarded me with telephone calls on my home number - my number is ex-directory and i rarely provided it as an alternative contact number to anyone as i always used the mobile number - and sent me various demands by letter aswell over almost a year now. Subsequently, none of the DCA's were able to provide me with billing information or even any details about the dispute i had raised with the mobile company prior to it being passed to them by their client who is the mobile company. I reverted back during this time to the mobile company, to resolve their internal maladministration and mistake (i suspect it was plain human error that then caused a huge problem along with some pretty dire incompetence from having being cut off to being promised call backs to not even having notes made on my account and even some of the notes being wrong), and have recently reached a resolve with them almost a year on now, and agreed to pay an amount which tallies with my reckoning of the account prior to being told the mobile was out of contract and would be stopped anyway and i would be contacted for a new contract and mobile. I was then told my request for the mobile company to remove any default from my CR would have to go through a different department for an assessment, and would be called back. I was also told it should not prevent me from now taking out a new contract with the same mobile company - of whom i've been a customer of for over a decade - and besides the issues of the removal of the default, i was led to believe everything was ok. I called the contracts department, but because the account had been closed they could not revive my old mobile number. I was then told not to worry they'd look at a new number. Many hours later, i was told that they could not even manually bypass the problem as there was fraud on my account, and the person suggested i obtain a copy of my Credit Report from Exqifax, he also told me the regular company the mobile company use too. Inbetween this, i had also received DCA letters from TWO different DCA, Fredrickson who then detailed Bryan Carter as a client of theirs in managing to account also on behalf of my mobile company - More recently i have called them to inform them of a resolve had been reached due to the maladministration and malpractise and they should not be making any demands as the account should never have been closed in the first instance. Besides the horrendous attitude, i was told by Bryan Carters they would need to refer back to their client, the mobile company. I then called the mobile company to speak to the girl i had reached the resolve with, for three days now she has not returned my call, since reaching the resolve last week. I was also cross examined by them in respect of the outstanding amount, of which i had originally disputed, and told i still had to pay it and would be chased for it if i did not have the resolve in writing (hence my calling the mobile company back to request this), and according to the DCA because i spoke to the operative over the phone and did not put in writing that the mobile account needed to be terminated - even though i had reported the theft and was told it would be stopped as it was out of contract anyway - i was still liable for the amount as i had not complied with their terms and conditions. I did point out that in the whole time of being a customer i had ever put in writing the request to terminate a contract to then take out a new one as i had always dealt with them verbally over the phone. They then said they would revert to their client. Last week i also received a call from a company called Redbridge, who i had never heard of. I did not confirm any of my information to them, but requested to know who they were when they called my number. They gave me their company name and then insisted they had sent correspondence. (I had not received any correspondence from them and had no idea who they were when they called.) I reiterated that the number they were calling was private, and requested for them to remove it from their database and ended the call by putting the handset down. This week i then receive two letters in one envelope from Redbridge stating they have been instructed by Cabot Financial Services Europe Limited who have passed a debt onto them which relates to another company Monument. The letter further states that if i do not respond they may recommend their client to apply for a CCJ, aswell as a further action if i don't pay them that would include attachement to earnings, a charge against my property, and a demand to contact them to discuss the above account to avoid a recommendation to their client to proceed with further action against me, followed by ways to pay. The other letter is from Cabot Financial stating a mutual agreement has not been reached and Cabot Financial is passing the debt to Redbridge, and then states a contact will be made in the next 7 days to set up a "sustainable repayment arrangement and ensure your account is cleared, whilst taking into account your personal circumstances," and then details an enclosed letter (which is the first one above) of how to contact Redbridge. I then tied to request online my Statutory Credit Report via Equifax's website, it costs £2. I went through two different processes in requesting the information, and repeated the process twice on each function aswell, making my request four times in total - the first being, that i noted (i rarely if ever read terms and conditions - but due to the DCA guy and the conversation i'd had earlier, this time i did) that in requesting access to my credit report via one link i was then enrolled in an online subscription service, which then when i unticked the "retain payment information for later purchases" found that i received a message at the end of the process requesting i call the company at 5p per minute. When i used the other link to request online a copy of my report to be sent to me by post, the process although complete in their function gave me a message at the end which said i had to send a postal request and to use the link to download the form. To be sure i repeated the process twice in each case. I also telephoned them at a cost of 5p per minute. In calling Equifax, i was then told the information i had provided needed to go through another department who would call me to ask me to send them copies of my passport, driving license, and copies of my utility bills. I then disputed this and asked them to qualify why they needed an excess of information, as i am the only person registered at my address with my name and date of birth of which i had provided to them for the last 6 years. I was told i would be telephoned - i had not provided a telephone number) and then asked for a telephone umber, which i refused to provide on the grounds that it is a private number and i do not wish for it to be used, stored, retained, but i had provided my email address. The person was not able to transfer through to the "other department." I was also told i needed to have an "active account with equifax to receive my credit report." I also disputed this verbally stating i did not want an account with the company, i was requesting information that there was a legal obligation to provide, and that i had no problem in paying £2 for a copy of my report, but did not want to be a customer of theirs or a subscriber to their services. I then received a stupid email back which did not answer my question nor address the points i had raised detailing the request for copies of my passport, drivers license and utility bills. I wrote back requesting them to qualify why they required what i believed to be an excess of information. They wrote back saying they needed to match my information to their information, further security in making sure my report did not go to someone who was not me. I wrote back asking them who they thought i was since i had provided them with my personal information, including my email address which is nor public, and i am the only resident at my registered address with my name and date of birth etc - i have yet to have a response. I did have debts, like many people, i disputed the charges on loans, credit cards and repayments and interest, as well as requesting they freeze the accounts prior to my stopping paying them, in order to manage the debts, this was in 2005/2006, which was not done, if anything they uped the anti and pursued me even more by adding on more charges and fees - for example, a £2k debt turned into a ££6k debt with fees and late payment charges and DCA fess and Administration costs. I stopped responding to them and stopped trying to resolve the issues as i felt i was being bullied, victimised and threatened not only by being blacklisted, by bankruptcy and having my employment record associated with my personal finances, and with bayliffs, and doorstep collections and constantly harassed by telephone calls and postal demands. I did speak to several debt advisors and companies, but also felt quite bullied by a few of them in their instance that i needed to take out an IVA immediately, but of course with their management fees on top and a pre-requisite lump sum payment to them to start the process, it did little to address the accumulation of the debts as a whole or to resolve the problem on a long-term basis. My questions are; how do i avoid a CCJ being lodged against me how do i stop these companies from continually selling on old debts i am aware that i only need to provide 6 years as an address history in requesting a copy of my credit file (as stated on the ICO website) so how do i insist a company send me a copy of my credit report without providing them with further information save for the basic requirements (and i am sure i cannot be confused with another person at my address, which eliminates any false pretence of theirs in insisting they need more information from me) how do i have old defaults from my credit file, once i've received it removed As i have not ever seen my credit file, how do i manage and Cifas markers I have also requested a subject access request from my own bank as i also suspect an element of foul play where they are concerned - they cancelled my overdraft when i paid off a loan which was restructured previously due to being sold PPI that was ineffective for the employment i did, and should never have been sold to me as a product in the first instance, although this was some years ago, it seems, i think, to be having a knock on effect. Also, i have looked into an organisation called CIFAS, and i understand they are quite respectable, but there seems little information available to contact them, except to request a subject access report of which they charge £10 for - again, i note that there are many of their members who are banks, retailers, etc, as well as the police - my concern being, what if someone who has access to their system has abused their privilege by blacklisting you, such as for example, equifax or redbridge/cabot - or even in the case of my mobile company where i raised a dispute and they closed account and passed to a DCA in an act of negligence/malpractise and maladministration - i have read some of the other forums and requests for assistance and note there is a mention of a Statutory Default that says after 6 years you cannot be chased for a default/debt, what is that exactly (sorry for being stupid) and what does it mean in very basic laymens terms, and how can this be applied without engaging in further disputes or marks on your credit file, and could someone also explain what a CCA is? The other concern i had, although i suspect it is related, but i am not sure how i can prove it, is that i also received a number of marketing calls from my internet service provider - their call centre is based in India - i noted Experion, Call Credit and Equifax use overseas call centres, and some of them have diversified business interests in marketing/digital communications/advertising and other software products - in calling my bank to dispute an issue from last year, i was asked which travel company i use as a Data Protection question, i had already verified my information when i called in and prior to be being transferred again, i was also asked which restaurants i ate at, i refused to answer the questions and despite my protests the person still insisted they were Data Protection questions, which resulted in my putting down the phone and calling back where i spoke to someone else who did not ask me that information - are there any breaches of privacy in a company holding an account of mine where the collation or sharing of personal data including shopping habits or any type of personal preferences that i may purchase using my bank card, that i can report if that information is then being sold, shared, or collected by the provision of a pyment method and given to other companies or sold as data about my person without my consent or knowledge to participate in such an activity or research/marketing/data harvesting process? Thank you.