Hi all, Feeling much better after discussions on this site, especially after receiving note from experian regarding linked addresses and data removal. I have been to local CAB today who contacted AG as the Consent Order had not been endorsed. I expressed my worries about filling in the CO and the CAB stated only I could decide what course of action to follow. a) endorse the CO and send back to AG with a cover letter and NO ORDER TO COSTS written on the CO. b) to retain the CO until the court date and agree terms there, notifying AG of my intent. c) get a solicitor to continue on my behalf.

GM I have contacted MBNA today by telephone regarding the account.I explained to them there had been errors regarding linked addresses held by experian. They sold on the account to AG. They would not give any further information over the phone because I was not the cardholder.

Hi, GM, 42man, Barclays were never involved, it was the Halifax who were very helpful, currently the SD is just for the MBNA, through AG.

Received letter this morning from Experian dated 10/02/2010, stating that further to recent correspondence that the linked address be deleted from my credit report. Just checked my report and the linked address has been removed also been informed that data regarding an account ( which has nothing to do with me ) that is in default will be removed within seven days. This has been going on for far to long, I have disputed the data since 2006.

2. That I © xxxxx xxxxxxx xxxx do not admit the debt because I have never held a MBNA account, I am not the debtor. I beleive AG have conducted an incorrect search on date held by Experian. As far as I can be aware data held by Experian is incorrect, which I have disputed with them, which links me to an address in xxxxxxxx. I have never lived nor owned or rented accomodation in xxxxxxxx. I have resided in xxxxxxxxxxx since 1991 at my present address prior to which I lived in xxxx. I have had other debt recovery agencies making demands since 2005 all of which have been associated to me via links shown on data held by experian. I do not admit to any of these debts, they have been made by a xxxxxx xxxx who lives in xxxxxxxx. Please find attached details for proof of my Identity and details of residency. Supplied letter from GP. certificate of register of electors. copy of passport. copy of driving licence. copy of birth cert. Letter from xxxxxx after a similar demand was made. n.b. The letter stated an incorrect trace had been carried out and that details would be removed from their debt management services and from CRA's.

42Man, sorry if I was not clear but I only received the SD on the 23/01/2010 and am in the process of getting it set aside, not due in court until the 5th March, received consent order 08/02/2010.

I tried calling the OFT after the SD was issued but did not really get any help thats when I started to see the CAB.

42Man, please note, I also received aletter dated 7/7/2009 further to a telephone call I made expressing my concerns over the fraud form, and discussion was made about sending a copy of my passport or driving licence, I did not send the copies as I was concerned as to whether it was right to do so. I then received another letter dated 12/11/2009 stating they had not heard from me and that they had not received documentation supporting MY fraud allegation. they stated they would proceed as previously indicated. I then received a letter dated 18/01/2010 stating that a SD had been sent to the Process Server who would visit my address to affect a personal service of demand upon me.

Thanks for your comments 42Man, I only recently came accross this site and unfortunately I submitted the Set Aside forms and Afitdavid myself on advise from the CAB who gave me the forms. After submitting the forms and swearing to the Afitdavid I received the letter from AG with Consent order attached asking me to sign above my details and submit the form to court, they had not signed above their details. Previous history. A letter was sent to Arrow dated 2nd June 2009 stating I had no accounts with MBNA to which I received a reply on the 9th June 2009. I then received another letter with attached fraud claim form, I did not fill this in as it requested a crime reference no. and after seeing the police who stated it was clearly a case of mistaken identity and not a matter for them to be involved. I particularly objected to filling in the form as I thought I may be admitting to the debt. My head is really screwed up at the moment and I find it difficult to know what I should do next.

Thanks GM, should I use the template for the CCA, I was unsure if I should use it as I'm sure I saw somewhere on the forums that they may send a copy of the agreement not neccesarily with the signature on it. ref. why you shouldnt use section 77/78 CCA 1974 if you want the signed agreement

Hi GM, No I have not contacted MBNA, nor asked for a CCA. I will try to contact MBNA tomorrow. Is it not too late to apply for a CCA as I have a date to attend court on the 5th March? Do I need to ask AG for the CCA?

Thanks cerberusalert, could you advise as to what I should do about the Consent Order I received, it states, "Unless we hear to the contrary, we shall assume the consent order has been filed and will not attend the hearing listed."

linz2011, I went to the police early on, showed them the demands and the letter from the Halifax, they said it was clearly mistaken identity and not fraudulent, they would not persue the matter as it was not a civil matter. n.b. the address that has been linked to my address on my credit references is not one I have ever lived at.

Many thanks diamondgirl for your prompt reply, I had thjought of writing to my MP, will follow it through now.

Hello all, I really don't know where to start, but over the past five years I have been inundated with letters and phonecalls from debt collection agencies regarding debts that are not mine but are those of a person who has the same first and last name and DoB. After the first disturbing letter demanding I repaid a debt I tried to establish how I could prove I was not the person associated with this debt. I was advised to join credit expert in order to veiw details held by experian, this I duly did but all I could see on my references was that they were all in order. In time I also received a demand from a DCA acting on behalf of the halifax whom i'd previously had a mortgage with, as far as I was aware I had no debt with them. By this time I had built quite a dossier of demands from DCA's and I duly visited my nearest branch and saw the manager. The manager spent all afternoon with myself trying to establish the reason for the demand and came to the conclusion an incorrect trace on my address had occurred, but there was also details of anther account holder on my details with the same first and last name. In order to persue his investigation further he took a copy of my driving licence and signature duly noting I signed my name using my middle name initial. A few days later I received a letter from the halifax stating I was not the person liable for the debt and that they would remove details from their debt collection agencies and details be removed from the CRA's. Most of the demands I have had a simple phone call is all that has been required to stop any further action being taken by DCA's, explaining the above and with further references to a linked address in Cornwall where the I have never lived which is now on my credit references held by experian. Sorry to be so long winded but I thought the history might help. Arrow Global LLC sent a statutary demand by hand, I have since been to court in order to set it aside as it is clearly nothing to do with me, I was previously pursued for this debt by Westcot credit services on behalf of Arrow Global who after a phone call wrote back to say they had returned the account to their client. This was 30/01/2009. I then started receiving demands from Arrow Global from 27/05/2009 onwards regarding the same debt reference which turned out to be an MBNA account, I have never held a MBNA account. I probably stupidly ignored any further demands made on me by Arrow Global until I received the SD. I have since received a Consent Order from Arrow Global but do not know what to do now, the court date has been set for the 5th March 2010 for the set aside application. Please note a letter was sent to Arrow Global by recorded delivery which was received 02/02/2010 to which I had no reply, yet they replied after receiving the set aside court date. I have spent many sleepless nights worrying about this and time spent seeking advice from CAB and solicitors, unfortunately I am not in a position to pursue help from a solicitor as their costs are prohibitive, and the set aside that I did seems quite amatuer compared to examples I've seen on this forum. your help greatly appreciated.