Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21
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    Follow Real_CAG on Twitter
    Cagger since : Dec 2006
    Posts : 104,491 (26.86 post per day)

    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    but CFO were not the original creditor were they?


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  2. #22
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    Follow Real_CAG on Twitter
    Cagger since : Feb 2008
    Posts : 666 (0.19 post per day)

    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Yep - OC whom I've heard nothing for sometime
    - only to have a letter headed CFO stating they were in Administration and sold to MMF (also contained was an MMF letter)

    I've just noticed that the Default balance is 511 yet the mmf welcome letter stated balance of 365.


  3. #23
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    Follow Real_CAG on Twitter
    Cagger since : Feb 2008
    Posts : 666 (0.19 post per day)

    Default Re: 5 PDL's / DCA's but 3 with Balances.. Nearly there.

    Will this suffice:
    I do not acknowledge any debt to which you claim ownership.
    This morning I have returned home from a lengthy spell in hospital and out of the country.
    On opening post I have come across a letter from yourselves stating you are now the legal owners of a debt you have purchased from CFO Lending.

    This debt does not exist & on logging into my credit report I see you are falsely registering a default against me which is having a detrimental effect on my file.
    Again I repeat, I do not acknowledge any debt to which you claim ownership.

    I have had multiple issues with CFO, not providing proof of debt, over inflation of debt & charges.
    All methods of communication with CFO went ignored & I have not heard anything until your letter.

    CFO originally issued and recorded a default against my credit file with a date of 11/07/2011
    From 2011 to 2015 I tried to obtain proof of this debt, but no communication or acknowledgement had ever been received – my requests for SARicon even went unanswered.
    Through ICOicon’s involvement they sent me through an ineligible document claiming to be the application that was undated!
    I pointed this out to CFO again no acknowledgement BUT all entries relating to CFO were removed from my credit file.
    Based on this information I give you 14 days from the recorded receipt of this letter to remove the default registered against me else this will be escalated further to the Information Commissioners Office, Financial Ombudsmanicon and will seek compensation.
    Regards




Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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