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dziemann

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About dziemann

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  1. It's a good question. What I have in writing is what they say they did of course, not what they didn't do! They say: "Our application process has a number of security measures, such as requesting the applicant's previous address. Your address was used by the applicant as their previous address. This therefore created a link between your address and ". I love the way they divorce their actions, or inactions, from the result, by saying "This therefore created a link", rather than "we created a link". I'm not sure what other mistakes they might have made...
  2. Well. It has been a long haul. Maybe it's over now. I want to update you all, mainly to say thanks for all the help I've received, but also to ask for one final piece of advice.... Eventually I found out the name of the original company with whom fraudulent accounts were opened. It took all this time. It was Littlewoods through a company is called "Shop Direct Finance Company". I had to get credit files, make complaints, provide them with proof of my address and get my bank to write to them to confirm how long I have lived here. Then finally they instructed the CRAs to remove the bad
  3. OK, another update. The OFT asked me for permission to "disclose details of my complaint" and to use the information I provided in the execution of their duties. I completed the form and happily gave them my permission. On the other front, of the 3 CRAs that I was advised to write to, only Callcredit responded, and they provided me with my credit file at no charge. It contained no incorrect data that I could see. I wonder why the other 2 CRAs (Equifax & Experian) did not respond. Aren't they obliged to respond to me? I wonder if I should push them further.
  4. OK, well, I have now received the reply from the OFT, and it's very much like the one you reproduce above. I intend to reply, giving them consent to disclose my details in order for them to take action. Dave
  5. OK, many thanks for that. In that case, are there further actions which I can pursue, or have I now done pretty much all I can? Dave
  6. OK. I promised you all an update, so here it is. I wrote a polite letter to each of the 3 CRAs asking them to correct the specific error, and asking them to send me a copy of my file. I also wrote a letter to the OFT to initiate a formal complaint against capQuest. The content is based on your kind advice offered above. I'll reproduce the letter here in case anyone wants to suggest any modifications before I send it in couple of days. thank you all again, Dave ----------- Dear Sir or Madam, I wish to make a formal complaint against capQuest Debt Recov
  7. Hello again! I continue my report on the saga as follows... ...I am so grateful for your advice...which seems to have had an effect! I just received a letter from CapQuest which says that their investigation has uncovered a link between "your address and a previous address xyxxyz. This link was not created by CapQuest but is most probably due to incorrect data held by the credit reference agencies regarding your address". And by the way, in their letter the xyzxyz above is the full name and address of another person. They go on to say they have removed my details from their
  8. Thank you so much for you replies... Today I received 2 more letters from CapQuest. One saying that they are investigating my "complaint" which outlines their complaints procedure. The other is a request for the following information by July 11th which they say is required to "process my communication further": - proof of identity (driving licence, passport) - proof of residence on 23rd Oct 2006 Should I reply them with the information they want? On one hand I feel that replying might resolve the problem, but on the other hand I am wary that giving them informat
  9. Hello again....I am concerned that CapQuest really might send bailiffs to my house, as they threatened to in their letter. Apart from sending that "prove it" letter to CapQuest, is there anything else I can do right now? I also have a letter from H L Legal Solicitors. I am happy to be tenacious about this but I am ignorant about the correct process or what I can or should do next. Thank you so much. I will keep this forum posted. Dave
  10. Michael, Thank you so much for your reply. I have taken your advice and used the letter you suggested. I wonder how it can be mistaken identity as I have a pretty unusual name. Thank you again for your help - it makes a big difference to know there are knowledgeable people out there who are willing to help! cheers.../Dave
  11. I have a letter from CapQuest Debt Recovery thats says I owe their client Littlewoods Finance Company £631.83. I have never had any debt in my life and I have never dealt with any company called Littlewoods. They are threatening legal action tomorrow. Please can someone advise me what to do? I have read elsewhere in this forum that one should not respond to such ketters. But on the other hand this could be an identity fraud issue. Please can someone who knows about such things advise me? I would appreciate it very much. Thank you. Dave
  12. I received a similar letter. I Googled the phone number and found your post. I joined the forum so I could reply to thank you. I had no idea. And I would have phoned them too. But thanking you here is not enough - what can we do about these people to ensure no one else's life is made miserable? regards, Dave
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