Thanks for that, you think it would also need to tell me who has searched anything via them? I have a bee in my bonnet on the way some of these operate!

Drs are commercial credit management (same number) and I don't think they are bailiffs, think they are a dca. Not sure that your rent agreement will have allowed for 1k of charges, but I think your issue would be if that amount was included in the CCJ. Sure a couple of experts will shed some light!

A question for anyone who may know. If I send a SAR to a tracing company, would they have to provide details of all databases they have acquired my details, and in turn who hs requested information about me? Any expert help appreciated As I think that data prot act would mean they have to?

Also, keep that letter, OFT would be interested in that if they say your details will be published in a paper! And good evidence in bury hearing for threatening actions etc

also they have asked for the chq payable to shell...so may not have client account which might suggest their bank wont give them one as dont have licenses??

they are after you as an individual so need all the relevant bits...ccl and data protection. as they are calling in a pg not sure the act applies...

one way to cause choas in a call centre is hanging up after 10 seconds or so..and again and again.call centre gaffers hate losing calls, and in a day u could blow any chances of the monkeys getting a bonus 4 the rest of the yr!

what is the site that that guy says buys your debt off you? Sounds like I need to have a look at it and get rid of some!

i know the rule is never speak on the phone, but could you not ring em, complete the security questions (which they calss as ID'ing you) and confirm you have made the request.that way you have no issue with sending a signature? just a thought....

get your £90 together, and on the day after your job is gone get down to the CAB and get them to process the DRO before the interest and charges pile up. 12 months and it is over.

welcome are really trying to come down tough on their arrears at the moment, especially with the home visits. These visits add £25 on the balance....which may explain something! The reason for it is that most of their board is now suspended because of falsified (sorry mis-stated!) levels of bad debt (arrears). It would appear that this has happened for the last 2 years, and will certainly damage their business (bust even?). So, with this information, are you in arrears or are they mis stating yours???

was this the fee charging companies or the charities/cab you asked? a lot of fee comapnies now do this anyway, but the free ones may steer clear of giving advice? was there any difference?

try someone like the coop.they do it for consumers and bet they would have something for businesses too.

also get a SAR from payplan.in their notes it may say they agreed to do the write off for you at some point.sounds to me like they are now removing themselves from their statement about this.remember they are paid from your creditors for a % of the money you pay, so they prob dont want to do anything which rocks the boat. obviously do the CCA requests anyway, but these guys also say they will do stuff and dont.

on the compensation bit. it costs any company £450 quid for the ombudsman to review a complaint regardless of the ruling they make.so if you ask for less than £450, it is cheaper for the company to pay you than maybe having to pay the £450 and a payout to you. If everyone did it, the only thing left standing would be the ombudsman...who crumble when more than 2 letters arrive!

i think one debt...or whoever ypur details are passed to in the uk should be brought to task on this. it is against the marketing policy/oft guidelines for debt advice companies to cold call consumers for debt adjustment products. is in the last set of guidelines i think, in my opinion they are contracting the offshore company to do their telemarketing? could be a way of getting somewhere with it??

i used cccs, but found the service not the best to be honest.a friend said theirs, Ideal debt were good, so went with them. I pay for the service, but things get done, which were not before. I guess you can do it yourself and youre motivated to sort it as quickly as possible, which is also the cheapest but to be honest I didnt have the time to sort it all out.

another point is that they are too far into the agreement to take the bike I bet.

does CAG qualify for a nomination?? Credit Today Awards 09 mmmmm.....