In case you wanted any more proof that they are one & the same, this is the domain lookup details for Fire Ltd Domain name: fireltd.co.uk Registrant: Cabot Financial (Europe) Ltd Registrant type: UK Limited Company, (Company number: 3439445) Registrant's address: 1 Kings Hill Avenue%%Kings Hill Kent West Malling Kent ME19 4AU United Kingdom Registrar: Easyspace Ltd t/a Easyspace Ltd [Tag = EASYSPACE] URL: Web Hosting | Domain Registration | Easyspace Relevant dates: Registered on: 08-Mar-2005 Renewal date: 08-Mar-2011 Last updated: 27-Apr-2009 Registration status: Registered until renewal date. Name servers: ns1.namecity.com ns2.namecity.com WHOIS lookup made at 18:04:30 21-Oct-2009

Hi all We've just returned from holiday to find a letter addressed to us / current occupier apologising for troubling us & stating that they're trying to get hold of my partner as they've some "confidential correspondance" for her. Obviously this is a fishing exercise on their behalf to confirm our address & we've not responded. Just wondering if any learned comrades on the site have had previous dealings with these leeches? BTW, the website of UK search is interesting reading UK Search Limited - Home cheers m

Thanks for the response ~ will give they ICO a try.

Bump ~ comments / suggestions / advice anyone?

Just as an update & to bump this topic, here's an update:- I've recently written to and today, had many conversations with Direct Line Financial requesting them to corroborate the CRA information that they update on this loan entry on my Equifax credit file & check that it is in fact, correct & factual. This file is updated monthly showing the account is repeatedly 6 months in arrears & has been for the 48 months that checkmyfile account displays. The CCJ was registered in Feb 2002 yet Direct Line Financial cannot give me an exact default date. Their reason for them not recording this Equifax entry as being in default is because there are monthly payments currently being ledgered on it. If they logged the account as being in default when this default would have fallen off the 6 year radar now. They have also threatened me with another CCJ if I initiate any kind of legal action against them to try & have this incorrect information updated or removed. I really don't want this back on my file for another 6 years. I was under the impression that as soon as a default is registered, the credit agreement terminates & the obligation to supply updates to the CRA's immediately ceases under the CCA (I sent a s.10 to them in August last year to no effect & the updates continue) also, I would have thought that the DCA is OBLIGED to inform the CRA'a of the default as part of their 'obligation' to report factually correct information ~ They told me today that the status of this account is 8 but they were actually only reporting it as 6 ~ As if that's going to ake me feel better about this matter :? I was led to believe by other posts here that as soon as the CCJ is registered, the credit agreement terminates ~ surely at this time the updates on the original loan entry must cease & the entry should show it as defaulted. I'm now in a quandry, Should I S.A.R - (Subject Access Request) them to get the full picture on what they've been doing & go from there knowing that the CCJ has fallen off my record Is there any point in CCA'ing them as well to get copies of the 'alleged' default notice to get my entry manually removed (They've as good as told me they don't have it). Is there any point in trying to get this CCJ overturned when it's going to disappear in the next couple of weeks ~ Currently it seems to be the only way I can approach this matter as it forces the DCA to prove that they have defaulted the account when they applied for the original judgement & then get the original loan entry off my credit file with this information Rory32, your most valued contribution would be much appreciated if you have time to offer us some guidance

thanks for the responses guys ~ I'll take a trawl trough the info from the link. What frustrates me is that even though the ccj is due to drop off the CRA's radar next month, the original lender is still updating the credit file month on month showing it as being 6 months in arrears. It shows no default date so it'll be there haunting us for years & years to come.

Got a CCJ in Feb 2002 which is about to drop off the radar, I'm currently paying it off with an AEO. What happens with the attachment order? Is it only enforceable during the 6 year term of the CCJ or will it have to stay in force until the debt is totally cleared. Surely the court has no jurisdiction once the 6 year period has expired making the attachment order null and void? I'd rather set up a direct debit than have my employer continue to make these repayments. Any advice or comments appreciated m

Hi all, My partner had a CCJ registered in Feb 2002 for a Direct Line (RBoS loan) ~ she's been paying £30 pcm through a court order / attachment of earnings through her wages ever since. The 3 agencies document this CCJ & also Equifax have been reporting for the last 4+ years that the original loan is 6+ months in arrears with monthly updates being made to the balance & status of this account. In an effort to find when this loan entry would be removed from my wifes credit file, I've been trying to get information relating to the default date from Direct Line for the last 4 months with no success. Today I've been informed that they've never defaulted the loan account & that they'll request that the CCJ entries are immediately removed. They've also stated that the monthly updates on the loan need to continue to reflect the conduct of the account (which has been paid on time since the AEO so should reflect this) I'd appreciate advice relating to demanding that this original loan entry is also removed ~ it'll be there for ever as the debt is only reducing by £30 pcm and does not reflect the fact that the monthly payment (demanded by the court is being maintained). I'd also appreciate any advice relating to getting this account written off or claiming compensation for the 5½ years that the CCJ has incorrectly been on my wife's credit file.. cheers

not heard anything on this matter for a few weeks & thought you'd like an update Thames are now well into in default so I've cancelled my DD. Shortly after, muppet from Thames phones demanding I talk to them about a serious matter on the account, I inform them that they are not to call again as they are harrassing me by phone & to put anything they want to say in writing. I hang up & then e-mail this off: I've now received a letter dated the day before the call saying that they are "very concerned that we've cancelled the DD" & that "it is imperitive to contact them without delay to discuss this cancellation as our agreement has been breached". They go on to say that if they do not hear from me as a matter of urgency then they will return the account to their collections division. I guess that means threats, threats & more threats... when will these people learn

Always the optimist Kinda look forward to the post arriving these days Have a great weekend Red Mike

Hi all, finally found the time to call the NDL ~ they've advised me to pass the documents to trading standards for examination. Meanwhile, I've replied to Thames with this letter: lets see if they've responded within the 12 days (I.E. Monday)

thanks both rory, I need advice here, are you suggesting that I shouldn't send this letter as is or indeed at all? Given the statement from Thames' reply to my first letter where they wrote: and that their deed of assignment was a generic standard letter that did not include any address or account information. Surely, as they have already confirmed that they are not willing / able to provide the documentation to prove conclusive ownership of this account, they will be in default of my CCA request on July 9th & then unable to justify its lawful collection????? (We also recently received exactly the same letter from Thames in relation to an old Barclaycard account but without any "good practice" supporting documentation ~ another thread when I've time :-| )

Still not had time to speak to the NDL but I thought I'd fire this back to Thames to let them know we mean businesss ~ any suggestions wrt rewording or additional info most appreciated thanks for taking an interest

Is this paragraph from the CCA1974? I'm in the process of using this clause in a response to a reply from Thames stating that they were not the original creditor & did not provide the original credit facility. They confirmed that they purchased the outstanding balance & the "right" to collect but did not purchase the actual agreement. Consequently, they stated, they have no obligation to provide a copy of the agreement... Post hijacking over

just got in from work will have to allocate some time on Monday Thanks for taking an interest, have a good weekend mike

Yep, I know ~ I've just been given a full pack of recorded delivery labels by my friendly postmistress destined to land in various DCA's mucky little mitts To clarify I'll ring the NDL tomorrow thx mike

Been bombed out with work today ~ will find the time to ring them tomorrow

terms & conditions terms page 1.pdf terms page 2.pdf

Hi Red At the very least it looks like I may be able to try & reduce my liability I've attached the original agreement and t&C's doc ~ sorry again about the filesizes. i wanted them to be clear in case the mods wanted them for their records agreement page 1.pdf agreement page 2.pdf

OK here are the scans of the Alleged deed of assignment (unaddressed & with no references) & the statement of account. copy of the credit agreement submitted by thames to follow No copy of a default notice or any other documentation was supplied sorry about the largish filesizes ~ I wanted to ensure that they could be read deed of assignment.pdf statement.pdf

Thanks Rory Assuming Thames still have the right to collect & that the agreement is valid:- Based on my voluntary surrender of the vehicle (documented as such on the statement) my calculations based on the information from the website are: 50% liability £4307 less payments £1906 less sums due £952 (arrears) sub total £1448 plus arrears £952 total owed £2400 less DCA payments to thames £490 total liability £1910 ============================== Much better than the £4k that Thames state ~ Thames have obviously taken the final balance from the statement & used that as if the car was reposessed. I can scan & post the agreement if anyone here wishes to take a look through it thanks again for your response mike

Hi redik54, yes, the agreement they enclosed did appear to be a copy of the one that we signed back in 2001. Strange thing is that we dated the agreement on 17/05/01 & they signed it & dated it 13/06/01 It does show that on the termination: your rights paragraph that if we end the agreement we could return the vehicle & just owe half of the total (which is doocumented on the agreement as £4307.28) Rory32: Hello! The opening balance on the statement was £9147.84 We made payments totaling £1900 before we returned the car in July 2002 There was a £2563 payment on the account documented as Proceed on Voluntary surrender leaving a balance of £4678.62 which was transferred to Thames Credit We've been paying £10pcm since early 2003 and Thames quoted the outstanding balance in their reply this week as £4188.62 Currently there is no entry on our credit files for this debt so I guess the worst case scenario is that we continue paying Thames @ £10 per month for the next.................35 years Hope this clarifies some things ~ any help or advice most appreciated Mikepj

Firstly, hi all, been registered a while trying to take in all the info here before I post History: Car purchased through YES car credit (I know :-| ) voluntarily returned due to financial circumstances & the fact I was given a company car ~ At some time in the distant past Thames Credit started to collect on the debt & we've been paying £10pcm since We recently sent off a CCA request & to our surprise we recieved an almost immediate response from Thames Credit (albeit what looks like a standard letter?) They included a copy of our original credit agreement, a statement dated 25/09/2002 showing transactions (the final one being a credit for "proceed under voluntary surrender") and a copy of an unaddressed letter dated 25th October 2002 stating that the debt had been assigned by Direct auto Financial Services to Thames Credit. This "deed of assignment" if you can call it such has no address or account details & we cannot recall receiving anything like it. Are we fighting a lost cause here or can any one of the wise owls suggest a course of action in response to Thames? I can scan & post pdf's of the documents if necessary Thanks for taking time to read through this mikepj