Just have a laugh with the calls just ask them to do your security checks first they'll soon go away, also register with the telephone preference service log the calls and then make a complaint to the INFORMATION COMMISSIONERS OFFICE. I'm logging mine at the moment, but I do enjoy laughing at them. Also tell them the calls being recorded for public record they'll soon put the phone down and do record them and post them on YouTube it's good fun lol. !!!!!!! ITS UNSECURED CREDIT, SERIOUSLY DONT WORRY ABOUT IT, ITS WHAT THEY WANT YOU TO DO. !!!!!! LAUGH AT THEM EMPOWER YOURSELF LOL. !!!!!!!

I have asked for my account to be put into dispute, lol. Guess what they won't do this. I have asked them a few simple questions and as there propaganda states they are transparent, guess what lol. There about as transparent as muddy water.my questions are as follows: 1. Did you actually lend me any money, or did I create the money by signing the credit agreement, creating a commercial instrument. So by doing so, I deposited the said money into your account ? 2. Can you prove, by way of ledgered PROFIT/LOSS accounts, that you moved money from your account into the account you created in my name ? 3. Do you still have the " WET MARKED NOTE ", ( credit agreement ) I signed and you signed, if so, can you show me the original copy. If this is not possible I can only presume there is no contract between us ? I am now refusing to pay any money they accuse me of owing and have said please feel free to take me to court, as I have no burden of proof in this matter. They are making the accusation so it is there burden to prove this matter. I have also told them that under the law, before any trial I have the right to DISCLOSURE. This basically means they have to DISCLOSE to myself all the evidence they have to prove there case. So I have informed them that I will be asking for all the above, let's see them wriggle out of that. I just tell any of there phone call staff now that I'm not obliged to give them any personal details, they soon put the phone down. If they persist before answering there security questions, I say I have some security questions. I asked them there full name, first line of there address, date of birth, home and mobile numbers, they soon go away. It's that simple for me, I've had enough of them. I have told them I will happily commence paying the debt if they answer these questions. Lol they won't answer them !!!! FUNNY THAT REALLY, I WONDER WHY THEY WON' T ANSWER THEM ?!!!!! Also quote this to the bastards : The Consumer Credit (EU Directive) Regulations 2010 Pay special attention to section 55A-1-(a) in conjunction with section 2 © it's a ****ing KILLER BLOW !!!! Pre-contractual explanations etc 3. After section 55 (disclosure of information) insert— “Pre-contractual explanations etc 55A. (1) Before a regulated consumer credit agreement, other than an excluded agreement, is made, the creditor must— (a)provide the debtor with an adequate explanation of the matters referred to in subsection (2) in order to place him in a position enabling him to assess whether the agreement is adapted to his needs and his financial situation, (b)advise the debtor— (i)to consider the information which is required to be disclosed under section 55(1), and (ii)where this information is disclosed in person to the debtor, that the debtor is able to take it away, ©provide the debtor with an opportunity to ask questions about the agreement, and (d)advise the debtor how to ask the creditor for further information and explanation. (2) The matters referred to in subsection (1)(a) are— (a)the features of the agreement which may make the credit to be provided under the agreement unsuitable for particular types of use, (b)how much the debtor will have to pay periodically and, where the amount can be determined, in total under the agreement, ©the features of the agreement which may operate in a manner which would have a significant adverse effect on the debtor in a way which the debtor is unlikely to foresee, (d)the principal consequences for the debtor arising from a failure to make payments under the agreement at the times required by the agreement including legal proceedings and, where this is a possibility, repossession of the debtor’s home, and (e)the effect of the exercise of any right to withdraw from the agreement and how and when this right may be exercised.