Nearly 4 weeks since they received my letter via recorded delivery and no reply. Clearly they have no case. Thanks for the help guys

Ok my code fropm experian has come through today (I tried with the other 2 who do it instantly but for some reason, I failed their security checks ) What should I be looking for? The only credit agreements I apparently have is with Jacamo (I always pay them via debit card), shop direct finance company ltd (who?), Barclays Bank (my bank) and Studio. They all say balance £0 and monthly payment £0 over 0 months except Jacamo which is monthly payment £5 over 0 months and all the status history codes are 0's, except Studio which is 0uuuuuuuuuuu (never ordered from them or requested a catalog, which I get anyway for some reason). Does this mean that the letter must be about someone else and sent to me by mistake or have I overlooked something? Thanks.

Thanks for the help. Is it the £2 Statutory Credit Report I need?

Hello, I received a letter today from 1st credit (It seems I'm not the only one, they most be doing the rounds) and have no idea why. I'll start off with my brief history. I'm currently 20 (birthday just passed). When I finished year 11 in school, I went onto sixth form and then stupidly decided to try and get a job. Went on the dole and spent nearly 2 years unemployed (I did various courses, Health and safety in workplace ect) and just recently started work (on my 2nd week, 1st wage today). 1 of the courses I tried to join was Train 4 Trade skills. The quick story, I managed to cancel it within the cooling off period and have it on letter that the course was cancelled. I have also helped members on this forum deal with them, although that thread got deleted due to a defamatory claim by T4TS. I have no idea who else I could owe money too. I know Very.com and Jacamo have their own credit systems, but the few orders I've placed with them, I paid via debit card. I have no credit cards, loans or any other credit cards and no reason for anyone to be chasing me for money. I received the letter, no information on it of any use. They just want me to call to confirm I am me (which I won't do). I will write a letter, sent recorded delivery but I need to know what to include and have it printed before I leave for work tomorrow (I leave at 7.10am) so I can get it sent on my way back. Do I confirm my name and address, include the ref number and ask for more details of this supposed debt (I assume it's debt, they state 'personal matter'). I can only assume they have the wrong person with the same name. Is there anything important I need to add? Thanks.

I have no idea why then. It wasn't due to the upgrade, I had my adblock remove some of the images/features because they got in the way. Maybe the guy was having a bad day.

Im sorry, but I fail to see where we went wrong then. I know you never saw the thread, but nearly every post said 'I beleive the course was mis-sold to me'. Im pretty sure we never said they were corrupt or scumbags.

Haha, no matter how nicely you put it, the truth always comes out lol. But yes, you are right. I was thinking more along the lines of "they mis-sold the course in which turned out to be 2 and a half hours of my life wasted" can't be said, no matter how true and factual it is..... because it can't be proven. Please can a mod confirm this should work though. Of course any posts which are deemed to break this rules will be reported.... or requested to be edited.

Obviously we aren't getting anywhere and I do understand that CAG can't afford to be sued, so how about this then. We start a new thread, we don't state any negative things about them publicly on the forum, only via pm with people who need help. Would that help? They can state their case (financial company, course cost any any other important information ect) but no personal feelings or anything on how/why they need to be avoided at all costs? This at least means that others can get anonymous help. Any idea's appreciated. This won't be defamation, correct? I don't know much about how it works, but I assume this is the main thing. The law is pretty pants. While this sucks, some murderers and rapists go free. If we (as a country) are to get anywhere near were we should be, priority need to be made.

If they phone everyday then make a complaint that their harassing you.

Good luck pal. If you need anything I posted, I'll be happy to email it to you. Just send me a PM. Don't know if it will be of use.... may help prove your paperwork isn't a 1 off or something. Please let us know how it goes. Its because their scared. Its a shame CAG couldn't grow a pair. And someone please close the window, its cold and free speech has blown out the window, along with loads of helpful posts.

while I appreciate you replying, I am ashamed that the forum deleted it. EVERY reply was from a personal view and helping give a balance of views (negative from us, positive from T4TS). ** MOD EDIT: Please avoid potentially libellous comments ** . Im out of their grip and hopefully I'v helped a couple more in the right direction, as well as the other regular posters. Thanks guys

Naa, Hitachi proberly just don't want to deal with this so you just gotta deal with T4TS. Can't you get them done for harrasement? And don't worry about them, they need to go to court to do anything (like that will ever happen). Nice filing structure.

But how can it? We are expressing our own opinions and helping people who share our opinions. The last I heard, we had free speech.

Yeah thats what I was thinking but doubt they will reply to my email as im sure they would be too busy. Do they or moderators read this section regularly? Thanks.

Talk to andybrock then say they should be allowed to forge a signature. The world didn't exist, you were just lucky or blind to the truth. Enough said, have a good night