I hear what your saying ive just ignored em but now i really want to take the fight to them so i suppose thats why im here the more i learn the more i think you absolute set of shysters,I just found out they have job vacancies there its worth having two weeks off work to get a job there boy would i come out of there singing like a bird on all their shady practices

An appropriate response well in my case is yep see you guys in court the advice i have been given on here is that its down to them to prove i owe them money, that doesn't mean you can contact me over and over and over trying every trick in the book to trap me into something IT MEANS IF YOU THINK YOU HAVE A CASE TAKE ME TO COURT OTHERWISE YOU KNOW WHAT TO DO until then dont phone or write me...............which they obviously do

I have just been reading about harrasmant and its defined as even being contacted once if you have stated catagorically you do not wish any contact with a company ? is that incorrect?

Oh the letter says letter before action but i must have had 50 of these over the past 10 years from bowells i just read "clown carter" is actively seeking CCJs for his fees and splitting costs of claims allowing lowell another 6 years to get their act together

What will the SAR achieve/purpose of renegadeimp? Also how do i DEMAND forcefully and make them give the information up is there a legal recourse? , admittedley they are going to say its an admin error

So I basically tell them give me all these details , you can either give me them or the police/fraud squad ,cant i just start chasing them for being deceptive, obviously im going to send them a complaint and the FoS trading standards and anyone else you might suggest But do i need to send them the statute barred letter basically saying either lets go to court or hope to god i never hear from you again or else?

i will certainly do that but i dont know how they will find a Postal order or the information for the postal order which i have allegedly paid obviously they will be informed that according to HMRC their records financially must be retained for 6 years and failure to do so...blah blah as its only 4 years ago they should be able to see which POSTAL ORDER was cashed in my name? ,im actually spitting fuming angry RE their complete brass balls ,what does puzzle me is why they go to all the trouble of saying i paid something they then have to prove with a financial transaction, as opposed to just faking a letter saying i owned up to it or would that not reset the clock

Hey good Folks thanks for the advice do i send them the statute barred letter then? or just tell them to prove it has anything to do with me , like i say i wasn't stupid enough to ever admit anything ever to them and have often told them unless we are going to court do not contact me and they never have all of a sudden like i say the fraudsters are going to be reported for falsifying payments and the debts were statute barred in 2011 I have all the original default notices from 2005 and have never even spoken to them

I have no doubt they are playing me for the fool I just have no idea how I would prove it's not my PO I know it isn't because I didn't send it but if they are that daft also would they have the details from 4 years if a postal order reference number

Hi renegade I'm being stupid but how will that help me? I still would have no proof of anything at my end

hey Padja they are saying i sent them a postal order no bank traceability, on top of that they have BRYAN "THE CLOWN" Carter sending me letters saying I'm going to suggest a CCJ which means im going to have to go through the wholel court thing, to be honest i have started my own firm and dont have the time Them saying i made a payment i cant really prove i didnt in 2010 to start the clock again is a PITA as i dont know how you could even trace if i had bought a postal order puts the ball 50 50 whereas before i had an absolute SB defence the only thing i can prove is i wouldnt have been anywhere near a UK post office at the time they claim i made this payment

Hi all more woe Ok so recieved a letter from Freds saying contact within 14days Then receieved letter from BC saying 14 days or they will be recommending their made up law and trying to get a CCJ by default and bryans fees Thought about just sending the SB letter as all the debts are well past their sell by date I have all the default notices from the original creditors and they are 2005 lowell did place one on my credit file in early 2007 and even then 6 months later for the same account on the same CRF I have a printout of it ,which was an offence in itself , they all dont even appear on my credit file anymore and neither does lowells fictitious payment which would have altered the report??!!! So I ring lowell to finally tell them where to get off and all of a sudden theres been a payment via postal order from me in 2010 ,not a chance of this having happened at all as I wasn't stupid or even around locally to do this, they then say someone else has paid this on my behalf, which is complete tosh ,there is no one else a sister mother brother or father to do this on my behalf. How does one prove this i couldn't have even obtained a Postal order so expecting clown carter to try and get a CCJ by default as they already have my details and i have told them in the past in writin disputing all of them and wont be paying any of it it , NADA Now surely if i had made a payment in 2010 that would be on my CRF as well as the lowell account no that dissapeared off in 2011? when the debt became stat barred After informing them they are now saying its fraud on my part? I point out they are well known for their fictitious payments which they deny .......? the proofs out there really on the internet HOW DO I DEAL WITH THESE CRETINS i really am fired up to spend money proving fraud on their part and taking someone down do i nform the fraud squad? as they are saying they will get their internal fraud team involved which i thing is code for "this ones not a mug and he just called our bluff" i really am tired of these people now trying it on and surely if a postal order payment has been made there would be some way of linking it to me otherwise i could just make upo stuff and fire it back at them HELP PLEASE

I have another question If my credit files are clear, i have all 4 of them from experian equifax noddle and some other one called annual credit report does that mean the defaults are more than 6 years old also?

Yeah legally Im just more mad someone can just keep going and going at me pretty much indiscriminately using stuff im not clued up on if i went and banged on bryan carters door every day demanding money i would be in court but thats more the stuff i am clued up on it would be over and done with far quicker sorry but they dont really give you much info on joining the outside world after 8 years or problems and support workers wash their hands thanks for your help though its very much appreciated

Ok Ims21 thanks for your help now just in case i wanted to go after their directors for something like being a moron and bending said rules legally as opposed to burying them somewhere unfindable i have read a lot of this "we were unaware one of our employees were acting outside of our guidelines" blah blah and the court works on the grounds of the most reasonable explanation surely someone would be able to put the two together based on the sheer numberof people this happens to and the directors of said operations would at least not be able to deny they know its going on?