DDT=Definate Definate Timewasters

100% I have said before OFT+FSA+FOS+Information Commissioners Office = DDT

REALLY Why not have count on this site and I bet we get to a hundred cases where they have made an error (althought I would have preffered to use a slightly different word) in no time.

The chancellor will be very happy with the windfall from all the backdated tax together with the interest.

hi Paul Do you manage to draw journalist attention to the fact that inflating a debt and then claiming tax relief on the inflated amount could be of interest to the revenue.

GREEEEEEEEEAAAAT Paul Walton uncovered a catalogue of errors more appropriate caption would be Paul Walton uncovered a catalogue of deceits

Drafted by the Credit Industry and sanctioned by ICO I would like to thank all those representatives of the credit industry and credit reference agencies, and in particular representatives of the Steering Committee on Reciprocity, who have contributed to the development of this guidance. Richard Thomas Information Commissioner

Didn't you tell her what she was doing handling the case if she doesn't know the law.

HAK As a matter of interest how many days are they giving you to pay this arrears is it 14 or 28 days from the date on the letter

AND when they have to write off, they get more tax allowance than an account without any interest. I think one for HMR&C.

if he banks at the same branch as yours then it would be the same day

Thats kind of good since he is in the top stream.

click on edit and you can delete and the re-post

If the story comes out, they will have no choice but to concede to his demands anyway. I'd go for the double kill.

Hey Paul Still on for tomorrow

Way to go PAUL

Hi Paul I think this could be the next big thing after bank charges

A lot of creditors are insisting that the application forms they supply are agreements. That being the case then on renewal of credit cards they should have sent a copy of the application form. The debtor can then argue that since they did not provide the copy of the application form with a subsequent credit card, they are in default. If the debtor has saved the generic mailer it would be quite easy to prove this. Either way the creditor would be a loser.

How about writing to them: Thank you for the offers, as a gesture of goodwill I am willing to accept this on the basis that you will send the cheque for an amount of £885 (£700+£185) to be received within 7 days of this letter. That should wake up the muppets

Europa With respect you can send them whatever letter you want, makes no difference to them. Unless you hit the right person with something different. They will pass this onto Triton or another DCA, the to Greens solicitor and then to AIC not necessarily in the same order. Anyway keep us informed since majority of ppl, including myself are in the same situation as yourself. IMO

paul Salutes, behind you all the way

I can't believe that the CRA's are allowed to make money from handling incorrect information. There's got to be a way of stopping them making ppl life miserable and then profiting from it. There's got to be an answer to this and I repeat again what is the use of S10 if they won't fulfill it. they are just playing a wating game until someone takes them to courts.

Without mentioning the organisation it can be likened to A BLIND COUNTRY WITH A MAD KING, they just dont have a clue

The Information Commissioners Office have not got a clue whats going on. I bet you if you gether all the responses from them there will be lots of contradictions as can be seen above. That is why I ask WHAT IS THE USE OF S10.

My counter arguement to this would be a contract in this case has to be in writing when one lends to the consumer above a certain amount for longer than a certain period then the contract cannot be implied or otherwise. If what you are saying is correct then why do the lenders even bother to put the bit about data sharing in their agreements. I have seen several applications forms that has no reference to data sharing where does one stand then. I am not talking about unexecuted or unenforceable agreements, there are application forms with no mention of data sharing. Infact upto now I have actually taken the same view as you, but as time goes by I am thinking this can't be right. What is the use of S10. Look at my thread for further http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/127919-does-s10-serve-any.html