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hi I have uploaded 2 letters that I have received from robinson way. the first asking me if I lived at an address in Cyprus. which I did from 2006 until 2010. the 2nd telling me that I had a debt owed to HPH2 (ex Lolyds overseas) for £3037.00. I did have a loan in 2004 but due to loss of job while in Cyprus could not keep up the payments last payment was early 2007. since then had on contact with anyone regarding this debt until 2 weeks ago 1st letter. then the 2nd letter today. note on the 1st letter theres no mention of them being a DCA can you advise me on how to deal with this please Thanks
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Hoist/Cohen Claimform - cahoot Flexible Loan 'debt'
Musicam posted a topic in Financial Legal Issues
Please help, I'm not sure how to handle this claim and don't want to get it wrong! Name of the Claimant ? Hoist Portfolio Holding 2 Ltd Date of issue – 30th Aug 2016 Date to submit defence = - by 4pm Friday 30/9/2016 What is the claim for – 1.The claim is for the sum of £13718 in the respect of monies owing pursuant to The Consumer Credit Act 1974 (CCA) under account no xxxxxx-xxxxxxxx. The debt was legally assigned from Santander UK PLC to the claimant and notice has been served. 2.The defendant has failed to make contractual payments under the terms of the agreement. A default notice has been served upon the defenadant pursuant to Section 87(1) CCA. 3.The Claimant Claims: 1. The sum of £13718 2. Interest pursuant to s69 of the County Court Act 1984 at a rate of 8.00 percent from the 13/8/16 to the date hereof 12 days is the sum of £36.08 3. Daily interest at the rate of £3.01 4. Costs What is the value of the claim? £13718 Is the claim for a current account (Overdraft) or credit/loan account or mobile phone account? cahoot Flexible Loan When did you enter into the original agreement before or after 2007? 20/05/2002 Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim. HPH2 Were you aware the account had been assigned – did you receive a Notice of Assignment? No Did you receive a Default Notice from the original creditor? Yes Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? Yes Why did you cease payments? Had a Debt Managemant Plan set up with Payplan from February 2010 of which Santander had agreed to being paid £66.27 per month However, they refused repeatedly to freeze the interest unlike the other creditors in the DMP. This was adding around £200 per month in interest in January 2011 I stopped paying the DMP as it seemed pointless as it would never reduce the debt. The original debt was £10804 at the start of the DMP but 11 months later was £13718 due to them being completely unreasonable. What was the date of your last payment? December 2010 Was there a dispute with the original creditor that remains unresolved? Only with regards the interest whilst in a debt management plan Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? Yes, as described above. Payplan had requested all creditors freeze interest and all agreed except Santander. Many Thanks. Brief background: In early 2010 after trying to keep a failing business going I was left with various credit card and a flexible loan debts and the combined monthly repayments became unbearable. I entered into a debt management plan through Payplan paying £324 per month to 6 creditors. By January 2011 the business could no longer trade as I lost my premises and then a few months later lost the house. I considered bankruptcy for the first few years but could never manage to raise the fee (about £750 at the time), then as time passed and I lived in various places the letters became sporadic and it was easier to ignore the few that came. I've had plenty threatening court action from all the usual DCA's and nothing happened until now. I was looking forward to another 4 months hoping it would be statute barred but Hoist have other ideas! I've tried to get an idea by reading all the forums but was wondering if I can do a CCA request for a flexible loan? Also, when checking the FCA register the DCA's licenses don't seem to be active - is this relevant and can it be used? FCA license for Howard Cohen (Cohen Cramer Ltd) Current Status: Lapsed , Permissions Inactive 31/10/2015 FCA license for Hoist Portfolio Holding 2 Ltd Current Status: Cancelled , Permissions Inactive 30/09/2015 I have registered with MCOL and done the acknowledgement on the 8th Sept 2016 and stated I wish to defend the whole claim, problem is I don't know the best way to do it. Any help would be greatly appreciated. Forgot to add, the solicitor on the claim form is Howard Cohen & Co, Leeds -
Your good advice please. I received a letter from a DCA titled a’ pre-legal assessment’ on an old credit card debt that the DCA have recently acquired. I suspected this could be nearing SB I checked my credit file and discovered that there is no information about this account on my file prior to May this year! As they are are using the usual vague language i,e, ‘may’, 'being considered’, should I bother to respond to this or should I CCA them or other? Who’s responsibility is it to insure the information on a credit file is accurate and up to date? Would the OC remove this info or what could have happened? It’s all a bit odd and I’m not sure how to respond if at all to the DCA. Regards
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Hello, I left my last job nearly three years ago. I have chronic health problems and the long hours I was working were making things worse (I did around 10 hours a day - it was not unknown for my to be sending emails at midight on a Friday night, and any overtime was unpaid). When I left, I had to chase my former line manager several times for final payslips and my P45, which arrived a couple of months after I had left. Apparently he didn't know how to put them in the external post. Several months after I left, I received a letter to transfer my pension to a new provider - I had been in the previous scheme for less than a year - and put the letter aside, intending on filling it in. I was still battling with health problems and it several months later and after a change of medication that I started to feel better. (Health problems can be evidenced with blood test results and hospital letters.) A year later, I found the form and contacted both my former employer and pension provider to ask whether it was too late to transfer. After a bit of messing about and being given conflicting information, I was eventually told that it was too late and that a refund of my contributions had been made. I hadn't received any refund and it was then, nearly two years after leaving the employer, that I was told that I had been overpaid and they were demanding over £1000. I wasn't aware that I had been overpaid and received all monies in good faith, so this came as a huge shock. I asked for a breakdown and was given a convoluted spreadsheet. I've asked two people, one of whom works in payroll, to check the figures and they're also confused and suspect there are errors in the calculations. I asked for a further explanation but my former employer continued to send the same information and used phrases such as "you must pay". It was suggested that I claim estoppel, which I did earlier this year. My former employer then passed the case on to a debt collector who then tried to pick holes in how I couldn't have known that I was overpaid. They then passed the case on to what appears to be a sister company (same address, a couple of the directors are the same) and I have received my second demanding letter from them. This one gives me 21 days to pay the amount plus an admin fee, which seems to have reduced from £45 to £25 and says "our Client can progress with legal action without any further notice ...". I'm finding the situation quite stressful. Any advice would be gratefully appreciated.
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Hi I have 2 debts that were started in approx 2006 one barclaycard PRA group sold to these in 2015 one abbey loan now with Cabot. both been in a dmp since 2010 and I've been paying monthly to a company. I've stopped that now and I pay direct. But what I was wondering is do I send a CCA to the company which have aquired these debts. One is PRA group sold to these in 2015 and the loan is now with Cabot. Cabot is off credit file and PRA group shows are arrangement to pay as Barclays didn't default me early on like abbey
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Hi All, I am disputing SB status of an old CC debt with default date of March 2010. No payment or acknowledgement was made ever since the default date to any of the DCA's who chased this debt. The DCA currently chasing me had threatened court action to which I responded with the standard SB letter quoting the Limitation Act. However they have come back stating it is not SB as the original creditor had received the last payment in July 2014, which is absolutely not true. The only payment I made was in July 2014 of £1 fee to the DCA chasing at the time to produce the CCA and I had clearly noted in the letter then that this is only to be used as fee for the CCA and that I do not acknowledge any debt. It was not towards the debt and certainly not to this DCA. The interesting this is the outstanding amount quoted by the then DCA and this DCA remains the same, i.e. they have not applied the £1 to the debt (and they should not any how). Can someone please advise what should be my next action? They seem to suggest in the letter that I shall be getting Claim forms soon. Thanks in anticipation. -
Hi, I know this post is 4 years old but it's the only one I can find with the answer I'm after. Do you have a link or file to the letter before action you wrote for me to pilfer? Cheers Paul -
my sister-in-law has received a letter from a DCA stating that they are taking the matter to Court (Northampton) They do state a date when this action will take place. The Provident debt is quite old. She did not stop making payments previous DCA they just stopped taking them (via D/Debit) without any explanation , then she made the mistake of phoning old DCA who was taking over. My advice was to ignore any phone calls from them until they had at least sent her a letter. As she had not received any letters from current DCA. my s-i-law in her early 70's as is quite worried. any and all assistance will be heeded Thank you DK -
I have recently been doing some research into legalities of purchasing debts and enforcing them.. From what i've read online and social media sites When a DCA purchases your debt you do not have a contract with them. you run up a bill with BT avoid paying for 3-4 years then lowell/cabot etc crawl out of the woodwork and decide to chase you for said debt.... however technically you never entered into a contract with lowell/cabot etc only the original creditor when you ask for documentation regarding your contract with said DCA they can only provide you with copies of the original contract with the original creditor which is no longer your debt as the DCA has purchased said debt. in effect the DCA has paid your debt off for you you have no contract with the DCA therefor do you have to pay?.. .. i challenged Lowell a few weeks back and guess what they agreed that my account was indeed paid off and no longer worth them chasing me for it, it wasn't statute barred by any means just me challenging them.. I can post the letter I received from Lowell to show you how i did it and if someone could give me their input on what i've done or simply remove my post if moderators do not agree with it -
Hi all, I have been referred here by a colleague whom you all provided excellent advice: I will get straight into it the issues: Years ago (between 6 and 8) i made a number of poor decisions that lead to a lot of debt, this in turn lead to some serious mental issues and head getting buried in the sand. Couple of years ago I wanted to sort it out so I contacted step change and arranged a DMP and have been making payments ever since, payment currently £126 against a balance of £11000. The following questions are worrying me though and I need to get out in front and not take the risk of more head issues. One debt I could never find ownership of it was a credit card with Tesco balance of around £3,500 so it was not added to the plan, thought nothing of it until a letter dropped on the door from a DCA chasing this balance, I requested a copy of the credit agreement and haven't heard anything since assumption is that they do not have a signed agreement, i asked them when they received the last payment they confirmed November 2010 effectively very soon this will become statue barred, with this one I have three options do nothing and wait to see what happens, make a ridiculously offer of a final settlement was thinking £100 or add it to my dmp with step change. Secondly around the same time I was CCJd for a debt with HFC Bank around £4,500 and I haven,t paid this for a similar amount of time, every time I speak to step change they tell me it is urgent and I need to take action but I am fairly sure whoever is responsible for the CCJ do not no where I am living and contacting them seems like a bad idea what honestly do you think I should do in regards to this ignore or contact the courts? My life is totally different now I am paying things off and have a young wife and daughter and am now making steps to earn good money, the last thing I would is for a bailiff to show up at my door, I would prefer to commence payments again but unsure whether they would want the missed payments in one lump which I cannot do, I can prove the mental health issues that I was experiencing but unsure whether this would make a difference. Anyway your help will be very much appreciated. Thanks -
I took out a PDL of £300 around Oct 2013 with Vivus.co.uk. After I admitted I was in trouble, they froze the interest and we agreed to £5 monthly payments in Jan 2014. I kept paying until I had a letter from MMF in June/July 2015. It seems Vivus went bust and the debts were sold on. The data MMF have doesnt include my monthly payments so we disagree on how much is owed. They asked me to prove what I said (I can via bank statements) but don't see why I should have to pay a £10 SAR fee to get them and pass them on. I initially sent them a CCA request and heard nothing back. Last month they contacted me but I refused to provide them with my new address (wise?) and I 'failed' their security checks (I can't remember the address Vivus had for me) so they refused to discuss the account. I have since cancelled the monthly payments since vivus was/is bust. I am thinking of sending them another CCA since I did not retain any proof of the one I did 8 months ago. We agreed I would CCA on the phone, but I have since heard that they say anything on the phone. The outstanding debt is £100 (my version) or £180 (their version). There is nothing on my noddle credit history regarding this debt, indeed it has never appeared on there. I am intending to apply for a mortgage in 6 months time - should I simply pay it or offer a F&F? Should I provide the bank statements that prove I made the payments to vivus that they do not have on file?
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Received a letter today from a dca. According to them I owe Scottish Power £170 for a prepayment meter debt. The address to which this 'debt' applies is a flat I rented and left four and a half years ago. They say that the debt is due either because i had a debt to clear on a prepayment meter or because I used another suppliers card in the meter. Neither of these apply! There are no dates as to when this supposed debt occurred, no info on Scottish power account or reference numbers, no idea on whether this was gas or electricity, no info I can use to find out what this debt is all about. As far as I'm concerned I paid my energy bill in advance by meter card. I don't understand how this could equate to a debt when I left. I lived there for two years and in that time there was no indication of any debt left by previous occupiers. The letter has 'this could affect your credit rating' in big red letters and this is repeated in the main body of the letter. This is the first I've heard of any debt. I lived at another address less than a mile away for four years. Then moved here to my current address, same town again. And until today, I never received any letter about a debt. I just don't know what to do. Afaic there is NO debt and I can only think that this is something to do with someone who moved in after I left. Could anyone advise me on what to do? Thank you -
Early last year my husband received a county court summons for £11,500 for a credit card debt sold on to a DCA. He replied and defended the action on the basis of the limited information on the summons and that he was awaiting a reply to the CCA letter sent to them on the day the summons was received. He never received a copy of the CCA, just a letter from them saying the debt was no longer enforceable and they could not proceed any further through the courts, but would he please call them to discuss a repayment plan. They also promised to forward the copy of the CCA. That was over a year ago and we are still haven’t received the CCA, but what he did not advise them was the debt would not really be statute barred until last October , three months after their letter. Move forward to now, and I have received a letter from the same DCA and they are chasing a debt for £8.250 for a card of mine. This will become statute barred in the middle of August when it will be 6 years since the last payment. I received a letter from them dated 6 April but not received until 12 April, saying if I did not contact them within 14 days they would commence legal action. My understanding of statute barred debts is they expire six years after the last payment or admission of the debt and the creditor has until this time to obtain judgement. Is this correct and can the DCA request to the courts an extension this period for the time it takes to transfer to a local court and to a hearing? The default for this will expire soon and I am l keen to keep as clean a record as possible after eight years of financial misery. I appreciate I am morally wrong but this DCA will have purchased the debt for peanuts, -
Hi All, I have an old secured loan with Welcome for £7000.00. Since Welcome went bust I've not paid anything (perhaps the odd token payment) and have dodged various DCA's. 2 weeks ago the current DCA holding the account wrote to me to advise that they will no longer rely on the security in my property and will take steps to remove the security from the land registry. This seems like a really odd thing to do but I am highly suspicious? Could they be up to something? Anyone else heard of this? Many thanks, Limelight Bournemouth BTW The account has also disappeared from my credit file (Noddle) -
hi guys i had an issue with a dca about four years ago which was halted by a cca requested helpfully obtained from this site the debt has been sold on to several other dca,s, who although i can head them off with further cca requests, they keep registering the debt on my credit file is there anything i can do to prevent this happening in future? cheers Mark
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I have a number of defaults on my credit reports they are about 4 years old. I am thinking of writing to each creditor/collection agency asking to produce copies of the default notice and the credit agreements. My question is this. If a creditor or collection agent cannot send me copies of the original default notice and the original default becomes unenforceable is it possible for them to issue a default notice following this for the same account? therefore a 2nd default on that same account would be on reports for another 6 years? Thanks in advance.
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I received a letter back in Oct 2013 advising I owed money from a Littlewoods/very account. I have never had an account with this company or their subsidiaries. The DCA (Arrow Global)said the original agreement was from 2001 and I sent the letter of no knowledge. I received a further letter in Feb 2014 advising the management of this account had gone to Scotcall and I immediately sent the same letter to them. No further letters until Sept 2014 From Arrow Global again chasing the same thing. I did not take any action. Have just received a letter from Capquest advising they are managing the account and they have also tried to phone. Do I send the same letter or is there a different approach I should now take. Again I have never had an account with company. Thanks for any help
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I am a 51 year old male living in Kent and really could do with some help please? Long story short, I got into trouble 13 years ago when my partner passed away leaving me with joint unsecured debts of around £10k. I foolishly turned to Spectrum in mid-2005 and I entered into a DMP where I thought I was clearing it. Sadly, I was mis-sold this and was told 2 years ago, I had not cleared any of it and the interest had accumulated. I cancelled my agreement with them, I contacted Cabot (I think as that was the only company I remembered) at the time in the spring/summer 2014, I didn't admit to anything and I never heard anymore. I have been working abroad off and on (Freelance Cameraman and gotta go where the work takes me) and was not aware of how bad the situation until Friday when I got the Northampton court letter which was dated on Feb 10th for a loan from Cabot via MBNA. I do not have any of the original paperwork as my car was set on fire in the riots nearly 5 years ago and my case with papers were gone. I am wondering what I should do? I have acknowledged the action and sent a CPR-18 letter to their solicitors asking for more info. Please can someone throw some light on this for me please? I'm quite worried this may go the wrong way and will have an impact on my new wife. Ta - Mike -
Hello helping another friend with their problem. They have received letters from Robinson Way stating that they have had no response to their letters asking for payment relating to two debts that they had purchased and if she does not respond in 14 days they will take legal action. Now this is the first letter they have received regarding this and all tho she does/did have some debts some 5/6 years ago these letters do not state which debts these are. I will refrain from ringing them to ask relevant questions but was looking to write to them asking for the following: Previous Owner, Account Number, Total Amount, Date of Default, Last Payment Date, Amount of Last Payment, Who Was the Payment made Too, How Was This Payment Made and Where was this Payment Made. Do these questions sound ok?, obviously I will format the letter with correctly but just spaced as such to save over posting. Regards
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Hi, would appreciate some advice if possible. History of this debt - Original Creditor: MBNA Date of agreement: 12/10/2005 Current owner: Arrow Global Current balance: £4223.87 Default date: August 2010 Last payment: 2013 (?) DCA: Capquest Current issue - Got married a few months ago and have changed surname, found CAG and decided to sort my act out. Recently sent CapQuest a CCA request (using CAG template), trying to get things sorted. Before they even received it my neighbour popped round with a letter they had incorrectly sent to her address. She'd also opened the letter as CapQuest had called her home and worried her. I was fuming about the phone call, they obviously searched the address for a number, if they's taken 2 minutes to check my credit file they would have my correct address, and sent them a letter to complain their only response so far is to request confirmation of my name change (valid request in terms of data protection I think, but I refuse to send them any of my ID). Wondering if there's any advice on the following: As I want to get a clear CCA request response (do they have it or not) I understand the need to identify myself, should I provide this to the OC or the current owner? Would appreciate an opinion on my draft response to CapQuest please - Thank you for your letter, dated 27th January and received 29th January. In your letter you request confirmation of my details. Due to the nature of my current complaint and your companys inability to appropriately check and manage data; I am reluctant to supply you with identification documents. As such I am writing directly to the original creditor (MBNA) of the alleged debt with sufficient identification to reflect my change of details. I f relevant to your desire to contact me I am sure they will pass this information along in due course. I await your response to my formal complaint (letter dated 20th January), the main points of this complaint are stated again below for clarification: 1. The letter received disclosed alleged debt details, nature of contact and amount, without any attempt to be ensure that “data and information used in the identification process is, to the best of their knowledge, accurate and adequate”. This failing may relate to CapQuest or their client. 2. CapQuest also somehow obtained the telephone number for INCORRECT_ADDR and contacted them about the account number above, which contradicts the intended recipients right to privacy. Attached file is a copy of my complaint letter and their most recent letter. Thanks for reading Capquest_name_confirmation.pdf
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I am trying to get my finances in order and have been reading up on forums about those who have had successes dealing with DCAs, but unfortunately my accounts don’t seem to make sense. I have four default accounts on my credit file, showing a D sign every single month on my account, but I have three payments from DCA going out of my account two I know why I am paying but PRA I don’t know what its for, and the two bank account overdrafts I have defaults for I don’t know what is happening with them and what to do. Should i send out CCA letters to all creditors including barclays and natwest? On my credit file are these four defaulted accounts Lender Idem Capital Securities Current Balance £1,868 I am paying this via direct debit reduced monthly installment at the moment, this has been passed from Agilent to Moorgate and now to Idem and I it was so long ago now I cant even remember who the original company was who I took a loan out with. Lender NWB Current Accounts Current Balance £1,691 It says I am paying £5 per month but I cannot see any standing order or direct debit going out of my account for £5 per month, so I have no idea what is going on with this account. Both Barclays & Natwest overdrafts have been passed over to DCA I am sure of it, but I am unclear on who they are or what is going on with these accounts. What shall I do? Do I chase up with the actual banks to see what information they can pull up (send SARS) Lender Barclays Bank plc Current Balance £1,590 Similar to my Natwest account, I do not have anything on my bank account showing I am paying them, yet it shows I am paying £18 per month, once again I do not know how to handle this and whether I have a DCA I am paying, I haven’t received any letters for a while and I don’t have a clue what I should do. Lender MKDP LLP Account Type Credit Card Current Balance £264 Finally I have a PRA Group direct debit set up for £8.86 per month but yet again I don’t know what debt this is for now, as it seems to have been set up some time back, with moving and getting married last year I lost a lot of paper work and I cant remember what DCA is for what account and why now. DCA payments: Idem Robinsons Way this is on my credit file under MKDP (are they the same company?)But there is nothing on my credit file saying I am dealing with Robinsons Way PRA Group £8.86 No clue whatsoever why I am paying this and for what account. -
Can a DCA purchase a debt and then place a default on your credit file, when the original creditor had already placed a default marker prior to selling the debt on?? Can you default twice or more on the same debt but the default recorded by different DCA Agencies? Can account opened in 2002 that defaulted in 2006 be sold to a DCA end of 2014 and in 2015 a new default appears on your credit file with the same account info from 2002 for the 13yr old debt?? This old debt was removed ftom my account 2016 6 yrs after originally defaulted?? -
Received a rather unfortunate parking fine from UKPC after parking outside sports direct at a retail park in Aylesbury (I don't even live there hence why I didn't know about the pay and display rules). Walked up to car after a quick 20 minute visit, to find a ticket and the warden standing there I asked him why I had one. Not knowing about the need to have a ticket I tried to explain my innocence but he couldn't do anything. I read the sign after (my fault I know but I just didn't think I'd need a ticket) and it said parking free for two hours. I was there 20 mins and made a genuine mistake not knowing the car park rules. I appealed, and had an email saying if you don't hear back in 35 days to ring the number provided. It got to 35 days and no response. I rang them several times with no answer. I then received a letter today from debt collectors demanding £150! Original fine was 100 or 50 if I paid before 28 days. I rang the debt collectors and stated I had not received a response to my appeal, to which they said a letter was sent out on 2 Nov 15 - which is 5 days after my appeal. I have never received the letter. If I did I would've reacted there and then. They have said pay up or it goes to court effectively. Now I feel I am being harassed without my appeal being dealt with properly. I've heard the BPA or POPLA can assist? But as it stands I can see it only escalating and my mitigation does not seem to have been looked at fairly in my opinion. Has anybody got any advice? I am being fined for making a genuine mistake but the fact the parking was free for two hours and I was there for 20 mins seems extremely unfair if I can only have a common sense approach applied plus the fact my appeal rejection was never received by me must stand some ground? -
My first contribution to this site. I owe the Co-operative Bank money on a credit card and had problems with repayments. They were being quite unpleasant about it (I had asked for a 'breathing space') in one week claimed to have passed my debt onto a collection agency and then said they were taking me to court. I wrote to the CEO Niall Booker and he sorted things out and I received an apology and a cheque for £75. its worth going straight to the top. I also discovered that Phil Burrows who I received a lot of post from doesn't actually work there anymore! Is this normal for a bank to continue using the name of an ex-employee on their letters? Does Phil Burrows know? -
Well, it's been a while since I've been on here. it was thanks to you guys on CAG that turned my life around in 2005/6 and stopped my stupid spending/credit splurge. I sent the prove it letters to my creditors and that was that. they screamed, shouted and yelled. threatened allsorts, but I stood firm and in the end the debts have fallen off my file. so they can 'nanas for it now. (still get the occasional letter asking me to contact them to discuss payment terms - yeah right) but anyways - hi everyone! I posted this on the Facebook group, and after a few replies and digging a bit , it was suggested I post it on the main forum pages for more thorough advice. So here goes. Once the date passed for the debts I talked about above to drop off my file, I got on to Experian and Equifax and got hold of my file. at the time. I thought to myself. heck. that'll be enough. Sure enough. I was debt free (in the eyes of my file anyway) so I left it alone. Few years ago (2012 ish) me and the OH decided we needed a loan to wrap up a few debts that she'd got before we met and to make life a bit easier. I'd been knocked out of the work market by a broken ankle that didn't heal properly and was on DLA at the time. She got refused as we'd had a few problems in the while I was off. So I thought. let's use my nice fresh credit file! result (ok so we embellished the application forms to make it look like I was earning) - refused I put the refusal down to income, but it didn't help our financial problems. So out came the payday loans. Soon we were borrowing from one to pay the other. And then my DLA stopped despite me not being able to work. I wasn't eligible for benefits as the OH was earning too much. so we spiralled. I've ended up with 4 defaults on my file again. and the OH had a handful too. So here comes the kicker. being the 'old hand' at the debt game that I am, the DCA can't frighten me. They keep hitting a dead end with their threato-grams So I decided recently, out of curiosity, to sign up for Noddle, since I could get my credit file for free. Of course, this would be the first time I've ever had my credit file from Callcredit. I get my gile and what do I find? In July 2011, 1st Credit created a link between me and someone else with the same forename, surname and DOB as me, but they are from Romford Essex. I'm from Sheffield - lived here all my life. never lived anywhere else. The difference is, my middle initial is L and this guy's is P on my file now is this other guys: Full name, Address DOB Mortgage and Mortgage account details + history His personal bank account A CCJ he received in January 2011 So no wonder I couldn't get credit. I've asked Callcredit to remove the address, name and accounts but they have so far refused citing that there is a proven link. I've sent a rather strongly worded email suggesting that I could report them to the ICO for a breach, not sure if that is right so what now? any suggestions? (sorry for the long rambling post!)
