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About justiceforall

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Not sure it's a good idea to mention other DCAs on a public forum, but I can tell you categorically that the people who got the CCJ way back - 1999 if I remember correctly - are not the same people chasing the debt now.
  3. The CCJ dropped off about 6 years ago. If I remember correctly they stay on your credit file for 6 years? So there's no CCJ showing on my credit file as far as I'm aware. Many of these DCAs seem to be affiliated to each other but it's neither of the two you mention.
  4. Thanks for your swift response Andy, but ye olde braincells are rusty these days and I'm a little confused by what you wrote. I wonder if you could clarify the following point? It is my understanding that once a creditor has a CCJ for a debt, the Limitation Act does not put any time limits on how long they have to enforce that judgment, although as you intimated, if a CCJ is more than 6 years old, and the creditor wants to use bailiffs or High Court Enforcement Officers, they must first get permission of the court. The question is, can I still use the Limitation Act 1980 Section 5 c
  5. An old old debt has come back to haunt me. For the record, I have not responded to the debt collection agency (DCA) and have at this stage, no intention of doing so. However, if this is the 'debt' I think it is, it seems to have been purchased by another DCA. The last correspondence I had with the previous DCA was, I think, over 10 years ago. What I need to know first is this. Is an old judgement (probably 1998/1998) still enforceable even after years of no-one chasing it and even if another debt collection agency has purchased the debt? What I then need to know is this. Can I reques
  6. I got a phone call this morning which went something like this. "Sorry to bother you but can I speak to xxxxx xxxxxxx"? I said I was speaking. "The caller then said I'd just like to confirm we can still contact you at (and stated my address)"? Alarm bells went off at the back of my last remaining braincell and I asked who was calling. We are 2F. I asked from where. Hull. I asked why she was calling me. After some evasive tactics, she eventually said they had a client who had been trying to deliver correspondence to me. I asked again who she worked
  7. In answer to the first part of your post, as we both know, the ICO guidance states that they would "normally expect a lender to keep records that are necessary to show an agreement exists and to support filing a default. We would also expect a lender to be able to produce evidence to justify a default record they had placed on a credit reference file. Not having any supporting records may indicate a breach of the data protection principle etc." Consequently, if a signed credit agreement cannot be produced when requested, and the Credit Reference Agency is aware of this, they may well be b
  8. How serious are you guys about taking this the distance? Two things: (1) Everything we say or submit must be backed up by evidence to corroborate our contentions. (2) Those who begin should be prepared for the long haul. A quick look at the whois for consumeractiongroup.co.uk shows Marc Gander as the domain name registrant. Has anyone spoken to Mr Gander in the past? I don't know if Mr Gander is still involved. This could probably be ascertained by a quick message via the contact us form.
  9. Yep. So how do we contact one of the main CAG guys? And yes, the Consumer Affairs Minister is probably the responsible man. However, it might be more advisable to find a champion amongst ordinary MPs or Lords first and ask them to approach the Minister on our behalf?
  10. I think one can only fight 'city hall' by banding together in a common cause. The sad fact is, one person cannot make that much of a dent in the wall no matter how much they try nor how honourable their cause. I feel it would lend much more weight to the cause if the CAG would put its name behind it and if we had a clear and concise paper on the issue which we could present to members of both houses of parliament. It is not that difficult to find sympathetic MPs or Lords who are looking to make a mark and there has been much talk about debt and how it affects the average household within thos
  11. Gentlemen, thanks for your comments regarding my post. The reason for this post is, I decided to sign up for a 30 day trial account with Equifax so I could download a free credit report on myself just to be told, after answering all the online questions successfully, that I needed to call them to confirm some details during business hours. More time wasting. I have also discovered that of the 3 main consumer credit agencies; i.e. Equifax, Experian and Callcredit; each of them may hold different information about me. I suppose I shouldn't be surprised at this, it just highlights the
  12. Apologies for coming onto the thread a bit late in the day, and apologies also if I am misunderstanding, but do you work for a Credit Reference Agency? The reason I ask is that it has been my personal experience of one particular CRA that they tend to do a Pontius Pilate on things when you advise them that you believe there is an incorrect default registered on your file. To simply suggest that data belongs to the lender is another anomaly of a system that has become corrupt through the power it has been allowed to accumulate by the establishment. Unfettered power is not a good thing, not even
  13. Thanks for the comments JonCris. For the record, I never talk to DCAs on the phone. Anyone who watched the (Channel 4) Dispatches documentary on credit card debt last night will have heard a professional debt counsellor from one of the national debt helpline's say exactly the same thing... don't discuss anything on the phone, you have a right to insist they correspond in writing so you have an accurate record of what is or isn't agreed. The only reason these parasitic DCAs win is through intimidation and because ordinary people do not understand the rights they have. Before I sign o
  14. Well, it's now the 13th November and my request for a CCA was signed for on the 19th October. By my reckoning that's 16 working days and 4 past the 12 day deadline I keep reading about on this site. As I have heard zilch from anybody about anything, is there something I should be doing, like writing to Vilcollections informing them they are in breach of something or other? Regards JFA
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