Lovely start to the day- I had someone at MH call me a very rude person and put the phone down on me. I'm laughing heartily. But after to speaking to another operator I've been told that they are no longer dealing with my account. My email yesterday worked but their excuses as to how they have got my mobile number and sent me a text 2 minutes before I called then were feeble.

Excellent stuff Thank You.

To think I was gonna let the complaint go cos they'd left me alone- gonna start working on it today. Its gonna take a while though- can I complain about 4 companies in one go? I'd read all about MH when they started calling me last week- so I knew ringing em wouldn't achieve much other than I was really in need of shouting at someone. I really did quite enjoy it Edit: Oh and I didn't bother corrected her when she told me my account was regarding a Blackberry card. 1. Is that a real thing? and 2. They don't seem to have a clue what they are even collecting on...

I wish I didn't have to say this but despite everything Cabot have now decided to get Mackenzie Hall involved- just when I thought all had gone quiet. 3rd Agency they've sent after me even though Equifax has been in contact with them and they know that Barclaycard have confirmed the debt is not mine. I don't normally ring DCAs but after all this harrassment I recieved a letter from MH saying they are going to send Bailiffs round in 10 days. So I decided someone needed to bear the brunt of my rage- just spent a satisfying 10 minutes shouting at one of the agents, the few times I let her get a word in edgeways, I had a nice answer for everything. Man I feel so much better. Now to do things properly and put it all in writing......

Thought I'd give you guys an update. I got my credit report from Equifax and found that not only Barclaycard had put a default on my file but also Cabot. I emailed Equifax and asked them to investigate the duplicate default that Cabot had filed. Today Equifax emailed me back and they had gone straight to Barclaycard who have agreed to remove the default when they do their updates in April. I'm over the moon!

I think it is but then again I still don't know if it's even mine as no one seems to want to give me any information. I'm pretty relaxed in the knowledge that they can't take any action against me. I'm just angry that they would start threatening people in my household.

I am soooooooooooooooo furious it's untrue. Ruthbridge just rang my house and spoke to someone in my household, who told them they need to put everything in writing to me. He then told the person in my house that since they lived there he could discuss the account with them. He waffled on about how because there is a default on my credit file then that is enough proof that the debt exists. He then told the person on the phone that they should get themselves a solicitor as they are sending the bailiffs round on Friday. Are they seriously out of their minds? I overheard the call and he was pretty agressive. And talking to a third party like that, who isn't even a financial associate of mine? Why on earth would they need a solicitor? Just sending them a CCA request now just to make everything official as they seem to not care about the fact that the debt has been in dispute for well over a year now. Normally I would just brush it off and laugh about their behaviour but they have overstepped the mark this time. I am LIVID!!

I knew they wouldnt go quietly. Just received a letter from their pretend company 'Express Delivery'. Are they seriously out of their minds?

Fantastic thanks! I just noticed that the last letter I received from them is almost identical to the repeated letters Gingerheid received from 1stcredit in their infamous staff training thread- so I won't be expecting any kind of human response anytime soon. Its gonna take a bit of effort as I have 3 companies to complain about- Ccscollect for the blatant harassment, Ruthbridge for the threats to make me redundant and Cabot for never bothering to contact me directly and repeatedly selling a disputed debt on. This will be fun.... lol

I'm slightly confused as to what I should do- I've read lots of stickied threads advising how to file complaints with the OFT and FOS, and encouraging people to do this, but from the advice I've been given in this tread I was under the impression I wasn't able to make a compaint directly. Please could someone please help me and let me know what I am actually able to do so I can get the ball rolling?

I work in a Medical Records department and we have people who are employed solely to deal with requests for Access to Records. If your hospital has the same then its best to go direct to them. There is usually a charge for the service though.

Ok shall do that- thank you!

Thanks- I'll be sure to let you know what I receive next in the post. I usually get a letter within 4 days of the last. What a waste of paper Funny thing is (and I think I forgot to mention) is that despite these companies repeatedly going on about Cabot Financial- I have never had any direct contact from them.

CCSCOLLECT stopped calling back in May 2008 when they realised they had no way of proving the debt when the CAB agreed with them the June deadline. Ruthbridge have NEVER called me despite claiming they have several times. I work evenings so I'm in the house all day long and so is my Mother so its not even possible we missed the calls (we also have call waiting). I just keep getting letters every couple of days from them, and no doubt this won't be the last I've heard from them.

Thanks for your quick reply. So I reckon my best course of action is to follow this up with the CAB and see if they can do some legwork for me. The guy who dealt with my case at the CAB was particularly interested in it and took copies of my diary of communication so I'm sure he'd be happy to take a look at the new developments. It's just incredibly sad that in this day and age companies get away with such a,cavalier attitude towards their conduct and the way they treat innocent people. My family made me aware of the media interest this week so hopefully this is the start of some kind of action (maybe that's wishful thinking). I'll keep a hold of all my information for as long as I have to because I'm ready to pass it on to anyone who could have use for it.