Can you guy's please give some info and directions to help a friend of mine and his son I have to post as they have no PC or access Basically the father Peter (1) and the son Peter(2) have the same name and have had in the past the same address, the father now has fallen on hard times and has had buisnesses fail causing him to loose everthing house and home etc ( literally now living on the streets) His son however is a member of the forces and is living in barracks and was doing OK , until he checked his credit with the free experian checker and found that he had a lot of his fathers debts attached to his name they are clearly his fathers as they have his DOB. They have linked the addresses together as he did indeed live with his father but how can he remove the wrong info he tells me that he has written to experian without reply. Also he has noted that some of the debts have his name and second intial but his fathers DOB , I have told him not to worry and that it will take a little time to unravel this but he is worried about getting a car etc in the meantime. we are talking over 40+ accounts / CCJs Please post to me the letters etc he needs to send to help him I think theyre just nailing the son to get the father but he has no contact with him unless he turn up to borrow some money. Thanks GC

WTH more info is good and the more they can use is better, and why should they not know where you are 24/7 you may be a terrorist 14 year old driving without insurance at the very least

omg pfft

Ok I'll try it this way to appease the PC people 1)has anyone heard of a DCA posing as a company to get your bank charges / loan charges reduced or removed ? 2)if they did that to get any old debt info could they use it ? 3)is that legal to do ? 4)what if any laws / statutes are they breaking ?

I hope you dont take this the wrong way as I have noticed you only joined the same time as me (may 2008) and yet have become a gold member is perhaps because you seem to only post 1 line answers all the time to the post you respond to !! If I choose to name a FRIEND or use my name is not relavent the question still requires an answer but of course your post gives you 1 more post point!!!!!! pfffft

Well I have spoken to my mate Pete again and he has has not been contacted by the DCA He tells me however he has been contacted 3 times by (ex directory phone) by companies offering to reclaim bank / loan charges on his behalf. this in the last ten years when he has no debts !! and when he tells them this they say our records say you do !! then when he insists he has not they hang up !! Is this a ploy to get further info from him re his past ?

Just a quick note it may be better to send A (PROVE iT) letter first (NO aknowlegement) Then if they do then hit them with the statute barred letter Just a thought

yes thanks for the comments have passed on the info and letters to him but he says hes going to wait for their next move as they have only said their considering a doorstep visit. he thinks he may be able to find out where they got his info from if they turn up ? perhaps they may show him some paperwork ? anyway I gave him the letters we will see the result !!tnx

well an update of sorts my friend has just recieved a letter from IQOR as follows debt of £**** To BCW Group Ltd Mr P ***** DOORSTEP COLLECTION NOTICE yOUR REF ********** REFERENCE FIRST NATIONAL TRICITY FINANCE We confirm that your outstanding debt due under the above mentioned company has now been placed with IQOR recovery services ltd for immediate collection and settlement. We intend to arrange a doorstep call by a member of our Home Collection Division to discuss your outstanding account, Alternatively you can respond to this letter and make specific repayment proposals that are acceptable to IQOR Services Ltd. Alternatively we may well be able to offer you a substantial reduction on your outstanding balance.This offer is however only open for 72 hours from receipt of this letter. Should your finacial circumstances prevent total settlement of the account your realistic monthly or weekly repayments will recieve our careful concideration yours faithfully SM not bad for a debt he didnt even know he had He's now waiting for them to turn up (he's an ex squadie) I've told him its probably just a blah blah letter !! But what he has noticed is the company name !! its tha same DCA that came after him for the CSA (that was all cleared away) but he thinks thats how they got his details ?? he still dosnt recocognise the debt though so he's going to wait and see what happens.

whilst I agree with the previous comments the fact remains that most people DO NOT know the sequence that should occur with most debts/claims of debts and what should Occur thereafter this can be put in a simple table form with an exception box if not 100% (giving a link to post in the forum)but a least they would not be worried that they are going to have thier property removed imediately or the balifs etc.thats my two peneth !!

naaa I dont get it either !! NM

Yes I agree I was just stating that it is perfectly legal for the employer to recoupe an overpayment !! in my case the employer was very agressive to recoup which is why I said to negotiate a suitable repayment plan with their employer if possible as I said they can doit I havent had a penny since march as its all been recouped (officially the SSP has been paid(to the employer) and so no fiancial help from anyone ( and have had to use savings (all claimable of course)

If its an overpaymwnt the CAN reclaim it from your wages without permission I would negotiate if you can !! I was injured in an RTA in march was paid till the end of the month should have been 2 weeks SSP they have deducted every penny of SSP since thats 3 months with no money at all !! if in doubt phone ACAS thats what I did

ok thanks again as I said he's not trying to avoid any debt if it is his ! he just wanted to know what to do next as he cant remember if the account was his it was 8 years ago ! and he's only just started to rebuild his credit again so didnt want to lose that just for an old debt which if his he will pay if required. anyway I will update when he lets me have the letter thanks again (on Peters behalf)

Ps Ive told him to find the letter he got last as it may shine a light on what they have re a CCJ or not Tnx

thanks for the reply the thing is he doesn't know if its his because theve only provided an account # with no details should he ask for a SAR or a CCA first ? and if so will that then ruin his credit at his new address ? also if they did get a CCJ how long does that last idefinately ?

thanks for the repies I have obviously not made myself clear the debt to the csa has been written of by them as the children have grown up that was only on as a reason to run away(sorry) The debt is a DRA collecting on behalf of (i believe Tricity finance?)

Hi I was talking to an old friend and he's asked me to ask for info with his situation.So I'll try to be as full and brief as possible. In 1999 the CSA came after Peter(my friend)and his new wife for maintenance for his first wife. He had a mortgage and other debts as he had just renovated his house. Anyways his wife refused to work to pay for his first wife to sit on social security and so the couple and child ran away to spain leaving all the debts behind them (rightly or wrongly)They then lived there for 5 years until returning to the uk when they returned they were put in temp housing for almost a year before getting their current local authority house. Then last year he recieved a letter from a DRA not sure whom as he threw the letter away, and now he has recieved a letter say that they will accept a reduced payment to clear of the debt.He has no idea if the debt is his and can only assume they have got his name off the electoral role as he has not responded at all.what he wants to know is if he continues to ignore them can they affect his credit ratings (it taken him 3 years to get a credit card with an 45% intrest rate)he has wriiten to experian and had NO bad credit listed against him at his present or last temp address.So basically can they attach an old un proven debt thats probably statute barred to his credit file ? or what should he do ? dates wise left UK Nov 1999 returned July 2005 on electoral role Oct 2005 and has been since last paid any debts OCT 1999 last letter (unanswerd)June 2008. I hope I already know the answers but I am asking my fellow GAG mates for clarification

glad it worked out for you

No problem, also under the above rights you can see the report before your employer and ask for modifications to it

I am going through a very similar thing at the moment though I am injured throgh an RTA the form that I was asked to sign was worded as follows I do/do not give my permission for ********** of the above mentioned Company to obtain a full medical report from you on the present state of my health. I have been informed and understand my rights under The Access to Medical Reports Act 1988. I have given permission but also stated to the doctor and employer that this is a one off occurance as I do not want my doctor harrased for updates every week !! exactly as you I was told it was to help me back to work !! and to understand my condition !!my employer worded their request as follows Finally, may we say that you are free to decline to give us permission to approach your doctor for a report. However, we must warn you that in such circumstances we may then be forced to make a decision about your future employment with us without the benefit of a fully-informed medical opinion. This is a situation which we would view as unsatisfactory and would seek to avoid if at all possible.s go with it you have nothing to hide its only relavent to your current illness if you stipulate it.

update NO PAY AGAIN well I sent my forms back to my employer recorded deleviery and asked via email I also sent all the sick notes (5) to them (got them back from DWP) got the forms back today with a letter saying I hadnt crossed out the Ido/Ido not give permission bit even though I had sent an Email explaning I had given consent !!(It was a genuine oversight as writing does give me pain I was not double checking everthing)anyway today I also recdeived my pay slip which sure enough gives me no payment eventhough I had asked them to pay me the 6.8 days holiday pay they owe me (5 days from last year)Is there any law etc I could quote to get them to pay me ?.I havent recieved any money from anyone since end march funds are very low

Thanks for the reply's all point taken onboard I had already stated my preference to Email correspondance rather than the phone, he does not agree and believes a meeting to discuss the future with me would be the way forward. this I am not going to do for the reasons below 1) he has asked for the meeting to be tomorow or thursday (too short notice) 2) how can I discuss the future with him when he hasent seen the doctors reports yet 3)the office is 30+miles away and my anxiety would preclude going there(he is not coming in my home) 4)If and when there is a meeting I want representation/witness He says hes only doing this to assess and help me and the company but all i see is harrassment and him searching to find a reason for dismissal thanks

thanks for the comments as I said I am willing to doit I just dont see what the point is !! I have 2 doctors saying that I am unable to do my job in anyway like normal I cant even get there because the company is 30+ miles away and would need to be taken (extra cost !) the injury is going to get better !! in time they are not paying me Im on SSP so Idont get it ???

Hi again ongoing saga Have been off work since sign off following RTA 13/03/08 damage to R/h elbow nerves, GP doctor unable to determine duration likely say it takes what it takes (soft tissue)just had insurance medical diagnosed with the same and anxiety attacks (flash backs, fear,panic etc) told probably 3 to 6 months required following psyiotheraphy and counceling. employer now demanding doctors full medical report from both doctors.says sick notes are not enough. he wants to assess me to see if i can do anyother job for the company and if I refuse that will affect my insurance claim. 1) iam a mechanical engineer supervisor (working always onsite) 2)the anxiety attacks and stress hit even if im a passenger(cannot drive due to R/h injury(no grip) my questions are 1)can I be made to do a desk job ? (ie answer the phones) 2)I am prepaired to give the medical reports but I am very concerned regarding the privacy of them (the office is small and they gossip about everything I had a private loan and that got out)also the insurance doctor has recomended councelling I dont want it banded about that I am (mental)what law or whatever can I use to make sure of my privicy