CAG CRA S.A.R Club

[sillygirl1]

There is a definite link, I checked my information a couple of months ago and suddenly got a pile of letters from DCA's regarding old debts - several of which had been paid directly to the company concerned and NOT the DCA.

I sorted out the matter by writing to each DCA asking for a copy of the final bill from their clients - much more accessible than agreements - and each time they returned to the clients with no further action to be taken.

Whilst a CCA request would have been better in some cases it would have been an acknowledgement of the debt... I know it is not supposed to 'set the clock ticking' again but I don't trust the DCA scumbags one iota.

[tiglet]

Well, I got my free credit report a little while ago and now am getting lots of IVA, debt consolidation loans etc requests. I am subscribed to telephone preference service and always tick or until the boxes for third parties to contact me.

It all fits.

Funnily enough, they keep stating an address I lived at 6 years ago and use my maiden name. Think I may have to do a Subject Access Request or two as well.

[ODC]

I think the Subject Access Request to Experian is a brilliant idea. It should provide piles more information than any Credit check. I would suugest adding a paragraph requesting details of each and every time someone has accessed your file whether in writing or by telephone. I feel that Experian under the terms of the Data Protection Act will be obliged to supply this information. Similarly they should be legally obliged to say who they have passed your information on to.

[sosumi]

Hope so, ODC.
Here's my receipt:

[nffc]

I took a free credit report with experian around about the start of the year. I have not really received much Junk mail but have received at least 2-3 times daily phone calls asking if I want to consolidate my finances and loads of silent calls, I have loans and credit cards but I am affording to pay them ok and I am not in any difficulty, but they are all assuming that I am having money troubles????

I registered with the TPS but the calls continued, so I started telling them that they were not to call me as I have registered with TPS, I have tried swearing at them, asking politely to leave me alone, hanging up, putting them on hold til they give up but these all went ignored and they would just call back (same company!) a couple of hours later or the next day. It's now calmed down a little and I now only receive this calls a couple of times a week but its still annoying cos I don't know who has sold them my number.

Then about 6 weeks ago I received a letter from lowell saying that they have bought a debt off of hsbc and I must pay them. I have had no contact or made any payments to these since 2001 (could be statute barred anyway) and I had forgot all about it. I was baffled as to how they had managed to find me all of a sudden after so long but now I may have the answer....experian fee credit check .

I can only assume that experian have given lowell my details and that now lowell have put a default on my credit report and experian has now gave my details to these loan companies telling them I have defaulted and I am in financial trouble (i am not!) as to why i am getting all of these consolidation offers, I'll be investigating this, asking for any default to be removed (if there is one on there) and will post my findings.

I'll advise people with a dodgy financial past not to check their reports so the same does not happen to you.

I have now just entered a battle with lowell and I'd normally be scared but because of this site I am quite enjoying their pathetic attempts to get me to pay!

[ODC]

Originally Posted by nffc

I have now just entered a battle with lowell and I'd normally be scared but because of this site I am quite enjoying their pathetic attempts to get me to pay!

Clownells are a penalty kick to deal with. They follow a set pattern and are easy to deal with. When they get fed up with you they will pass your file over to the next desk called Hampton ilLegal and if they fail to scare you they will they pass it to another bunch of no-hopers who go under the wonderful name of Red Debt. All letters from the same bunch of losers

A CCA or in your case a Statute Barred letter will see them off but have some fun with them first

[cerberusalert]

See my post about Experian http://www.consumeractiongroup.co.uk...900-loans.html & the fact that their feet are in both camps!

[sosumi]

Originally Posted by cerberusalert

See my post about Experian http://www.consumeractiongroup.co.uk...900-loans.html & the fact that their feet are in both camps!

Thanks Cerberusalert - interesting reading!

Hubby's received a pre-paid PDF form to complete and return for his Credit Report from Experian.

No response as yet from Experian re. my Subject Access Request, but it's early days.
As I mentioned earlier, I discovered that they have 7 offices in Nottingham. Which presumably means that they employ many local people.
Nonetheless, I don't think these accounts of being contacted by various companies after applying for a credit report can be coincidental, so we do need to establish what they do with the data we provide. And again, the forthcoming Conference 'Focus Group' is very disturbing.

[M.Willows]

Do you think the media should investigate this like they did with Barclays and go under cover, wouldn't that make good viewing?

[sosumi]

Originally Posted by M.Willows

Do you think the media should investigate this like they did with Barclays and go under cover, wouldn't that make good viewing?

I certainly think it needs investigating, and possibly referring to the Advertising Standards.

[cerberusalert]

I'm sorry, but it's pondlife like these that really 'P' me off! My 'origional' debt was a drop in the ocean in the scheme of things (£280 + charges = £440+)<Statute Barred>, but after 'researching' within the public domain I find that parasites like Experian & their ilk are working hand in hand with DCA's...if not actually owning them.

It's a minefield, dig deep enough (if you've the time; expertise, or inclination) & you'll find through the public domain...that the 'Directors'
are embroiled in a web of lies, deceit & total misinterpretation!

[patrickq1]

banks finance experium blah blah blah are all in the same can of soup this is an objectionable part and the whole industry should be investigated by the audit commision.we waiver our rights not willingly our rights have been fraudulently obtained for their own ends to barter our data amongst ,how on earth can they demolish the whole of the data protection act .with a contradictory clause "I WAIVER MY RIGHTS"we were not allowed to negotiate a contract and if you look at the contracts every few months they keep adding new bits in order to squeeze mor information out of you ,Experium or GUS who own them have used the contract to bypass the lawfull rights of your rights to privacy this waiver is contradictory to the DATA PROTECTION ACT it is an unlawful clause that should we choose why can we not rescind the whole contract based on this unlawful clause
isnt this a tort if you use rhe REPUGNANCY RULE,i am open to arguement but i beleive this rule is relevant .not only is it repugnant(contradictory)i t is obnoctious and all those involved in this sharing of data (reminds me of the Natzis when they took everything from the jews in germany)i am not jewish and do not mean any offence or harm to those who have suffered jew an non....i am ranting again but is this not an arguement where we can thrash out a legal basis in getting compliance and using our rights to the law as it was meant to be ,cause it seems that the DCA AND CRA /BANKS ETC are trading in human misery and suffering for a few of us.....i rest my case but i am trying,

[sillygirl1]

Patrickq1 I fully understand your rant, as I said in my earlier post it cant have been a coincidence to check my record and then receive a batch of old debts at my new address.

I don't even begin to understand the laws of tort but surely Experian owning Westcot is an example, the boot is in the same camp.

I still believe that if a DCA writes to you regarding a debt they should include the last bill sent to you, NOT a statement of account, but a copy of the last bill sent. This might stop them churning out automatic letters which have little basis in fact - I am NOT going to pay a DCA who says I owe X company Y amount without X company sending me the last bill.

[patrickq1]

they could nt do that it is against their princples to show their hand ,they rely on cunning and trickery and anything and anyway to get you to submit to their will truthfully we all know and they know they operate on fear your fear,hence this is why on cag you are told catagoricly do not speak to them but write and never aknowledge your debt...
have a look at GUS see who they own you will be shocked
patrickq1

[patrickq1]

come on every one wheres the arguements on the RULE ? i am expecting a backlash lol
patrickq1

[oneofakind]

after 'researching' within the public domain I find that parasites like Experian & their ilk are working hand in hand with DCA's

Of course they are. Why should we be surprised?
The CRAs are not working for the benefit of the consumer, and never have done. How they have managed to cultivate a public image as some sort of 'guardian of truth' is beyond me.

As you rightly say, all these companies are interwoven with conflicting interests, and this is obviously a state of affairs that should not continue.

Sadly, I can't see any change coming anytime soon.