Not exactly latest. And not exactly wisdom either. Sorry. I am a pedant and know it.

Good. Still no idea what it means, but if it happens to the mods as well then that is fair play.;-) EDIT: There we go then.

No idea what being CAGbotted means, but neither do I care. I would rather this stays on topic, so I assume a good thing? Been here (lurkin...) a long time and I'm none the wiser.

Edited version then..... Walker vs SPPl-e.pdf

The BBC have finally noticed. BBC NEWS | Business | Judges seek hold on debt claims CAG gets a mention.

Nope. It is either a payment, or acknowledgement in writing only. Limitation Act 1980 If a DCA claims otherwise, they are talking nonsense and should be reported.

They already tried that. Didn't work.

Correct. Barclycard/Mercers etc can be a complete pain, even after bankruptcy. But they are on a hiding to nothing. Ignore their mind games and refer their nonsense to the IP/supervisor. Also complain to the OFT if they persist.

Well it should be. The data comes direct from the Insolvency Service if I remember correctly. When you requested your CRFs did you include any previous addresses if you were at a different one back then? Is it missing from the reports from all three CRAs? Is the name/address that you gave for the IVA slightly different to any that the CRAs know about? The info could well be there with the CRAs, but for some reason it just hasn't been linked against your file.

The IVA being recorded on your credit reference files is going to be more harmful to you than the defaults. An IVA is almost as bad as a bankruptcy itself being on the record. But, as long as the defaults are dated the same as the start date of the IVA, they will all disappear after six years with the IVA itself. You can certainly dispute the double entries for the debts, but I suspect that would result in the original entries being removed rather than the ones from Max. And yes, it is petty. EDIT: May or may not be useful: Credit reference file clean-up post IVA.

Max Recovery are allowed to record the default, but they should have either taken over the records put on your file by the original lender or left the records as they stand. This is the Information Commissioner's view. From: Technical Guidance Note - Filing defaults with credit reference agencies Are the defaults from Max marked as settled? They should be. Whether they can find an agreement that they can rely on to justify processing your data is another question.

There is no need to pay a third party a penny. There is plenty of help here and elsewhere for free. To start with: http://www.consumeractiongroup.co.uk/forum/show-post/post-1929934.html

Not heard of a successful claim from these companies. Plenty of spam from their reps on forums (usually pretending to be customers), but no genuine cases as yet. Says bucket loads.

I find it interesting that the SLC are threatening to default people where loans are clearly statute barred. Student Loan Company Default Letter But then the SLC have never had a clear grasp of the law, let alone anything else.

That is my major concern as well. Especially since most demand up front fees, and I don't trust their promises of full/partial refunds if unsuccessful. People who are in genuine trouble with debts would be far better off with debt advice from the free debt advice agencies in conjunction with help from sites like this.

That would be the Rankines I think harrassed senior. Plenty of comment about them on these boards.

My point exactly. They certainly did issue one for my loans a few years back. Shame I haven't got it any more. If they place a default and start playing silly bu**ers with the alleged default date, then I'll have to SAR them for it. :-|

More than likely. :-| I wonder if that will lessen the detrimental effect of just one or two old defaults? Probably wishful thinking..............

Link to episode: BBC iPlayer - You and Yours: 27/04/2009

So will they set default dates retrospectively to when you could be said to have really defaulted, or will they mark you files with one dated now I wonder? Recording a freshly dated default for a 'historical' breakdown between you and the SLC could be considered unfair. From: Technical Guidance Note - Filing defaults with credit reference agencies (should have kept that default notice from the SLC :-|) .

Grandmother 'terrorised' to death after bank wrongly hounded her for £16,000| News | This is London

Might be available here later: BBC iPlayer - BBC Parliament - Wednesday 22nd (Today) Or read it in Hansard tomorrow. It won't be a long read.

"Working with the CSA to ensure that they remind their members of their responsibilities" Oh for ****s sake. Says it all really.

I count 4.

Maybe the same reason that I play pool much better after 2 pints? Downhill steeply after that though...