also why when challenging any entry do you need a recent file copy ref::::: more £2 thats all............. this [problem] is amazing I wish I had thought of it.... I promise I would charge just a pound..... who decides what headers go on the front of CAG??????????????

ask the credit reference agencies when you gave them permission to own share and sell your data..... As more and more people win cases against creditors more defaults will be registered . It is the CRA's that need to be challenged .... By which law are they allowed to even exist and why do we have to pay 3 of them to get our own data from them..... By which misguided piece of legislation where they conceived.... this should be front page CAG as I believe this is even bigger than BANK Charges... why dont we come up with some kind of mass class action against CRA's funded by CAG donations to set some precedents.... if the best we get is a reduction from 6 to 3 years then I think it is a battle worth fighting even 3 years is too much though as I believe this should be a centralised database with very strict criteria for entering information.... not paying a twenty pound mobile bill stopping you get a life changing mortgage of say 3.75% is totallu unacceptable ....... what do you think caggers?????

Buzby is very much glass half empty, but does have some very valid opinions and really brings some reality to many situations, however I think his knowledge would be best served giving more positive comments as so many do on here... I am sure there will be a response to this... but which ever way you look at this buzby many millions have been returned to consumers that in the eyes of the law so far had no chance of reclaiming.... people on here are here to fight against the balance of power. Sometimes right and wrong differ depending on whose eyes are looking. Sometimes signing professionally prepared agreements by any compnay are difficult to dissect when we face problems and individuals pick up on anything to try and challenge the companys..... but as I have said many times ...... IF I was to prepare an agreement staing in small print on the back of page 25 that if you dont pay I can punch you in the face until you do" it does not mean that if you sign and dont pay I can carry out the punching laid out on the back of page 25 does it.... Many on here are just fighting against the years of ambiguity and support by regulators and courts..... We may well lose many but at least many rockets have been thrust up the rears of so many who believed they could do what they wanted to us..... I believe as you do that more direct action is needed but I also believe that the more of us that challenge these b***ards the greater the benefits to all..... reduction in bank charges and millions of complaints with FOS is just an example..... Credit Reference agencies are my main bug bare as they are not protected by anyone other than the regulators.... I think maybe you should find a new project within CAG like putting your knowledge into defeating the CRA's and leaving your views on comms companies to others with a more positive spin.... only my opinion and I hope you take it as it is intended... I have appreciated our banter but believe your knowledge should be put to better use...... what do you think!!!!!!!!!

satisfied defaults on cra are just as bed as non paid defaults... speaking from experience if it helps...

Hi lee I have a default on my credit file from vodafone for my sisters phone... I had to sign for it as she couldnt. she has paid default amount as soon as I found out she had missed payments..She never paid cos she had loads of problems with phone not to mention we both got sold expensive insurances(cancelled after 3 months). I have complained many times and I was about to prepare a court claim for compensation for breach of data protection act....Do you think you can help ?????

lets do something about it???? what stage are you at with CRA's ?

should we not have this front page of cag and all send letters to MP's to get this whole mess looked at...

there seems to be alot more guests than caggers.... I think cag should do something about guests and make it private club.... 1305 yesterday as guests with just 235 caggers

POC's against CRA's for the masses to bring claims based on the fact that no law supports them sharing and selling our data????

what can we do collectively to raise this and blow the roof of ... the damage they have casued is immeasurable to millions

surely this begs the question what legal right do these companies have under our laws to collect and sell our data for profit... there does not seem to be any right, just misguided compliance by crazy regulators after the fact that these companies are doing things which break our laws and reguators and governments without knowledge have allowed it.... this seems to be a much bigger issue than having defaults removed this is a multi billion pound operation that has risen, without any laws to support what they have done and continue to do.... no wonder when these companies are actually challenged in court those that challenge them disappear from CAG, either killed off to hide this injustice or paid off with huge sums to protect this travesty of justice?????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? If I disappear in the next few weeks please call the police he he ;-) anyone else agree??????????? I wish surelybonds or uk26 could come back on here as different names and tell us the lowdown....unless they are sunning themselves on islands without internet provided by these companies... beautiful women serbing drinks and food etc,,,,, imagination running wild now... I wonder if shergar, hitler, elvis, lord lucan are on same island?????

I wonder does anyone now when all credit reference agencies where set up who approved their setup and whos money did they use to set up????????????

I bet this is very similar to what martin lewis team come up with.... I for one will be sending this to rbs, a&l and abbey as they have seen fir to tell me that their case is closed and I have 8 weeks..... this is good enough for me to put ball back in their court... all we need now is POC's so once they reply we can start court proceedings .... they snowball gathers pace again....

hi martin I am at court , need to ammend my POC's could you help my case relates to the damage a default cost me by virgin???? I would be happy to pm or even call you if possible? I will be happy to start new thread or you can take a look at my musings with buzby on my thread already started. http://www.consumeractiongroup.co.uk/forum/digital-tv-services/232176-sky-virgin-defaults.html sorry mo for the little hijack... I havent got long left and need to sort asap... The default was for less in value than the charges they applied to my account.... I have also been informed that experian no longer process virgin on credit files???? can anyone else confirm if they report on equifax or call credit... ??? this would be interesting to know???? any help would be much appreciated

so do you give cra's the right to sell your data , even selling it back to you??? peoples concern is that even when it is inaccurate or in dispute etc the cra's only listen to the creditors..... trust me there is a massive storm brewing against cra's and I urge everybody to challenge them whenever possible and ask your local MP's how private companies are allowed to hold, share and sell a persons data legally????? the legitamacy of their business alone should be brought into question ...squeaky clean files is not what everyone wants but the emergence of technological storage of data with old outdated rules is unaccepatble their practices change without the regulations changing... there is no mutual way of recourse which is unacceptable ????

I would like to think despite all their forceful theories when they do get to the court steps they pay up and add a massive keep quiet clause..... what do you think I am going to test my own theory in the near future... surlybonds was another that has gone missing????

can you not help with me trying to get the slam dunk???? rather than as it seems put me off such action ??? I am there already and just need some advice on POC's and amending the ones currently with court as they were not clear enough??? charges for late payments not fair, you and I know they are not fair ofcom stated likely to be unfair... shouldn't be too difficult convincing judge, who may have had one or 2 himself, that they are unfair and a breach of any contract arrangement... doesnt matter what you sign it still has to be lawful... if you mistakenly signed contract to say I could slap you every month would this be okay if you had signed?????

even if litigant in person bringing small claim???

also unfortunately at the minute I am not working and all my court fees are paid by the government....I have paid enough tax so I feel vindicated in taking a little back...

hi yes but surely the regulator has a big say in what is fair and unfair..and hopefully the judge would read their guidance.. I am already at court stage so they really need to prove their charges are not penalties and are proportiante to their costs????? if the judge agrees with me then the charges are unlawful and the default by virtue of this would also be unlawful????? are you warming up to this challenge buzby????? it might not set legal precedant but if I win and tell everyone on here then comms companies will be inudated the same as what happened with banks.....

there was a person on here uk26 was his id , he had a case going to court and shortly after there was no sight nor sound from them.... I am not sure too many cases get to court but if and when they do the CRA's must do something to these people as they simply disappear....

did you read ofcom decision saying charges can be challenged for fairness..... if they can be proven to be unfair and ofcom say they can be challenged then any default containing unfair charges is also unlawful????? do you agree with this at least????

is your glass half empty ;-)

sorry car but is this because the default notice has unfair charges built into it????

do you have legal basis for stating that? really need some proof for my POC's