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    • I have had a secondary thought.  I borrowed £s from a completely separate entity 6y ago. It was personal and unsecured. I was going to repay upon sale of the property. But then repo and I couldn't.  Eventually they applied and got a charging order on the property.  Their lawyers wrote that if I didn't repay they may apply for an order for sale.  I'm not in control of the sale.  The lender won't agree to an order for sale.  The judge won't expedite it/ extract from trial.  Someone here on cag may or may not suggest I can apply for an order v the receiver?  But could I alternatively ask this separate entity with a c.o to carry out their threat and actually make an application to court for an order for sale v the receiver instead?
    • You left the PCN number showing, but no worries, I've redacted it. Euro Car parks are very well known to us.  I've just skimmed through the titles of the latest 100 cases we have with them (I gave up after 100) and, despite all their bluster and threats, in not one have they taken the Cagger to court. You stayed there for 2 hours &:45 minutes.  I'm guessing the limit is 2 hours and 30 minutes, right?  
    • If the claimant fails to draft directions the court can order a Case Management Hearing to set them but normally in Fast Track claims the claimant sets the directions...Unlike small claims track which are always set the court.
    • Not Evris offer, the court offers mediation service.   All claims proceed to hearing if mediation fails /not happen.   Why do you not wish to attend in person to stand your claim ?     Absolutely you must comply with the courts directions or your claim risks being struck out. Preparation for a hearing should happen irrespective of mediation.   https://www.consumeractiongroup.co.uk/topic/460613-suing-a-parcel-delivery-company-when-you-dont-have-a-direct-contract-with-them-–-third-party-rights-copy-of-judgment-available/#comment-5255007   Andy  
    • LPA.  (I'm fighting insolvency due to all the stuff that he and lender have done).  He appointed estate agents - (changed several times). Disclosure shows he was originally appointed for a specific reason (3m after repo) : using his powers as acting for leaseholder to serve notice on freeholders (to grab fh).  There was interest from 3 potential buyers. He chose one whose offer depended on a positive result of the notice.  Disc also shows he'd taken counsel advice - which was 'he'd fail'.  He'd simultaneously asked to resign as his job (of serving notice) was done and he'd found a buyer.  Lender asked him to stay on to assign notice to the buyer.  Notice failed, buyer didn't buy.  So receiver stayed.  There was 1 buyer who wanted to proceed w/o fh but receiver/ lender wasted 1y trying to get rid of them!  Disc shows why. But I didn't know why at the time. In later months Lender voiced getting rid of receiver. Various reasons - including cost.  But there's a contradiction/ irony: as I've seen an email (of 4y ago) which shows the receiver telling lender not to incur significant costs and to minimize receiver costs.    Yet lender then asked him to serve another notice - again counsel advice indicated 'he'd fail'.  And he did fail.  But wasted 3y trying and incurred huge legal costs - lender trying to pass on to me. Lender interfered - said wanted to do works.  Receiver should have said no.  But disc. shows he agreed to step aside to let them do the works - on proviso lender would discuss potential costs first (they didn't), works wouldn't take long (took 15m), and lender would hold interest (they didn't) (this last point is crucial for me now - as I need to know if I can argue that all interest beyond this point shouldnt be allowed?)   I need to check receiver witness statement in litigation with freeholders to see exactly what he said about 'his position'. But I remember it being along the lines of - 'if the works increased the value of the property he didn't have a problem'.  Lender/ receiver real problems started at this point. The cost of works and 4y passage of time has meant there is no real increase in value. Lender (or receiver) didn't get any permissions (statutory or fh) (and didn't tell me) and just bulldozed the property to an empty shell.  The freeholders served notice on me as leaseholder for breach of covenants (strict no alterations).  The Lender stepped in (acting for me) to issue notice for relief of forfeiture - not the receiver.  That wasted 2y of litigation (3y if inc the works) and incurred huge costs (both sides).  Lender's aim was to do the works that every potential buyer balked at due to the lease restrictions.  Lender and receiver knew couldn't do works w/o fh permission. Lender did them anyway; receiver allowed.  Receiver remained appointed.  I'm arguing lender interfered in receiver duties.  Receiver should have just sold property 4-5y ago w/o allowing any works.  Almost 3y since works finished the property remains unsold (>5y from repo). The property looks brand new - but it was great before.  The lender spent a ton of money - hoping that would facilitate a quick sale.  But the money they spent and the years they have wasted has meant they had to increase sale price.  It's now completely overpriced.  And - of course - the same issues that put buyers off (before works) still exist.   The receiver has tried for 2y to assert the works increased value. But he is relying on agents estimates - which have proved highly speculative. (Usual trick of an agent to give a high value to get the business - and then tell seller to reduce when no-one buys.). And of course lender continues to accrue interest (despite 4y ago receiver saying pause interest). Lender tried to persuade receiver to use specific agent. Disc shows this agent was best friends with the lender's main investor in the property.  Before works this agent had valued it low.  After works this agent suggested a value 70% higher!  The lender persuaded receiver to sack one agent and instead use this agent.  No offers. (Price way too high).   Research has uncovered that this main investor has since died.  I guess his investment is part of probate? And his family want it back?    Disc shows the sacked agent had actually received a high offer 1y ago.  Receiver rejected it.  (thus I don't know if the buyer would have ever proceeded). He was relying on the high speculative valuation the agents had given him to pitch for the business. The agents were in a catch-22.  The receiver sacked them. Disc shows there has been 0 interest ever since (inc via new agent requested by lender). I don't think lender or receiver want all this to come out in public domain via a trial.  It will ruin their reputations. If I can't get an order for sale with lender - can I apply separately against receiver?
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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EXPERIAN... The final battle commences


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You can be certain that if you provide them with a new recent address for the delivery, they will update their records with that new address and circulate that information to DCAs etc.

 

I'm not hiding. I've lived at my current address for 10 years now. All the banks/DCAs have it. It's while living here that the problems started 5 years ago. Before that i was OK, no minus's.

 

I just don't think they need to know my addresses before this and see my driving license/passport/birth cert. It's too much they're asking. They can easily confirm i've lived there 10 years, been on the electoral register all that time.

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I am fully aware of this, are you on the electoral role? Any unreasonable request for the provision of requested information as in S7(1)©(i) should be reported as a breach by the Data Controller to the ICO.

 

You should also check with the ICO (a quick telephone call) whether anybody who contacts you are registered with them for the secure starage and processing of personal data. If not, report them.

 

S7(3) A data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

 

S7(1)© to have communicated to him in an intelligible form—

(i) the information constituting any personal data of which that individual is the data subject, and

(ii) any information available to the data controller as to the source of those data, and

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I think we might be getting distracted again and drawn into another and just as bad treacle lake.

 

If the CRA's are asking you for more proof of ID ask yourself the following questions.

1. could they or do they hold this info anyway?

2. If not could they find it out?

3. Even if none of the two above count what difference will it actually make?

 

 

If you come to the conclusion I did, that it doesn't make any real difference, then why are they asking for it:confused:? My personal feeling is that it is a new and different treacle trap. Make you waste extra months arguing with them.

 

If you have no-one to hide from then why not just give them photocopies asap?... THEN COMPLAIN TO THE ICO.... dont let them deprive you of your proof of defamation for another 5 to 6 months while you refuse and argue with the ICO.

 

The DVLA, electoral role, birth certificates etc are sold to companies anyway (and certainly bought by CRA's). I agree that it is ridiculous to ask for it but as we see it's a very good tactic for delaying things.... don't play that game.:(

 

Remember... their tactic is .... 'tie the silly punter up in knots.... get him to have a good arguement about nothing'... thus avoiding the real issue...

 

Issue is... the lender lied... they published that lie... they remove that lie...

or else.........:mad:

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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but i'm not even argueing with them for anything, i'm only asking for my credit report, stat request, stat fee. They were happy to send it to me the first two times in the year, what's the difference now (or in Oct 2007, i haven't applied since then but will do again). They were happy to talk to me on the phone and send me emails etc. as i had a few entries removed by the DCA.

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tifo...

 

precisely...what is the difference now?.... possibly a suspicion that they may view you as a 'difficult customer' someone who's life should be made a little more complicated... after the DCA removal buisness... It's just my guess but I do think it's a tactic by them. Do you want to be drawn into that plan they have or just bypass it?

 

I bypassed it with equifax and nothing terrible happened. ;)

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Hey all, well if we are talking about security vs fraud, let me tell you why the ridiculous carry on they are putting tifo through is bull.

 

I have just had a blazing row with Experian about their credit expert 'service'. I opened an account with them few weeks ago to start sorting out all the mess - all going fine. My partner goes online the other night to do the same thing - fills in HIS details (obviously), DOB etc. Message appeared saying further checks being done and they will e-mail him a PIN.

 

OK - PIN arrives in a letter addressed to Me but a MR Me (I am female and always have been). V strange. OH logs in with HIS username, password and this new pin and OMG....up comes MY credit file, listed as Mr Me, with my OH's DOB as a new account!

 

Phones Experian and am dismissed, told it is not a problem, it was just my OH putting the wrong NAME in the application. I argue that he DIDN'T, and anyway, his DOB different etc - security checks at all? He wouldn't discuss it with me, had to be OH, even though his name is different (?)

 

Phones again today - 1st monkey - it's not our fault, this wouldn't have happened if the right name had been put in (actual quote). Hello, security checks?

 

2nd guy (not a monkey, was v nice actually) explained that because the name did not match up with the DOB the security check was sending out the pin no......what???

 

So, basically - they are saying my OH entered my name in error (DIDN'T) but filled in all his other details ok, to which they sent a pin no, which, using the username and password he created, gave full and instant access to MY credit file. Apparently, because the name and address matched, the system allowed it.

 

So there is now a credit file for a ficticious person, with my credit file on it, and all you need to create that is..to know my name, my address and be able to access my mail. Thats IT.

 

Oh, and they do not save the applications to prove/disprove mistakes....or even attempted fraud then?

 

So, another person exists in tinterweb world with their own credit file - can you create a new ID from that, seriously??

 

I am so concerned about this....and just RAGING mad :mad:

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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IMO this is what comes of letting CRAs who have no legal status deal with personal information. And what recourse do we, the consumers, have? Not a lot.

Sounds like a case for the Information Commissioner with an amazing amount of compensation!! Good luck...

Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Oh I agree foolishgirl! sorry finlander, will start my own thread but just to highlight the 'law unto themselves' attitude and a shining example of their automated system and the shocking lack of security is has.

 

I also have a lovely example of them doing feck all checks on disputed account but telling me they did - hard proof on that one.

 

So if you ever need general hard evidence of their lack of procedure, security or complaince with DPA, just leme know and I will give you all I have. (Have calmed down a touch)

 

ICO says complain in writing, especially highlighting the possibility of ID fraud, and give them 28 days. Then go back to the ICO - so will do!

 

Happy hunting Finalnder

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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to order a report online, they ask "Please tell us Why you are applying for a copy of your report?"

 

Do i have to say Why? Does there have to be a reason to see my own report. I was thinking of putting "because i want to sue you after i get my report".

 

 

Surely the answer is nearly always "because I can"

 

Presumably if you mention debt they will set DCAs / loan companies on to you

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Presumably if you mention debt they will set DCAs / loan companies on to you

 

They're already after me years ago. I sorted them all out last year, though i get threatograms all the time. No CCA compliance, no payment, they've been told. So take me to court. Please.

 

There's no-one i'm hiding from.

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Presumably if you mention debt they will set DCAs / loan companies on to you
Any new snippet of info is passed immediately on to their grubby little friends. I intend proving this in the near future by putting down a mobile number that only Experian will have (I have a few anonymous sim cards;)). I will sit back to see how many of the DCAs start ringing me on it.

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Any new snippet of info is passed immediately on to their grubby little friends. I intend proving this in the near future by putting down a mobile number that only Experian will have (I have a few anonymous sim cards;)). I will sit back to see how many of the DCAs start ringing me on it.

 

 

Nice one. An idea I will use myself. :D

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PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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:):):)......

 

Its arrived...... first response from Experian....

 

Lets dissect it....

 

1. its address to me and the wife and headed... Yourself-V-Experian ltd.

(very formal);)

 

2. It notes my letter was sent to the Company Secretary (seems to have made a stir)

 

3. States that 'this is the first time you have raised these concerns' (getting a bit defensive there and sounds a bit worried)

 

4. states they have put a dispute notice against all entries on the disputed accounts and have raised queeries with all lenders concerned (sounds standard and what the plan expected)

 

5. is signed by ... Now get this... sounds very impressive:cool:

 

Andrew Mills - Head of intellectual property and litigation, solicitor and european trade mark attorney... (ohhh get you) :roll:

 

OK... well thats what we expected....

 

Now the next bit of the theatre is when they write and tell me they have verified the info put on by the lenders but have added a correction notice.

 

My plan is to ask for a copy of all the info the lenders have sent in order to see what their enquires revealed...

 

IF they refuse... ICO.. then court,.....:D

 

OK anyone heard of Mr Mills? lets keep a record on here of the employees who write and their tactics and share... bit like they do really...:-D

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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look what I found...

 

Justgiving - Andrew Mills - Fundraising Page

 

good old andrew ... helping those in need... experian gave him £250.... :p

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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and this from IPrisk.com

 

Andrew Mills, Head of Intellectual Property & Litigation, Experian Limited

 

Andrew is a solicitor and European trade mark attorney and Head of Intellectual Property & Litigation with Experian Limited, a global business that provides consumers, businesses and the public sector with information and analysis to help them make important decisions.

 

Before joining Experian in November 2007, Andrew was a partner and led the intellectual property & technology team at solicitors Freeth Cartwright LLP where, amongst other clients, he had advised Experian for 13 years. He was the founder of Freeth Cartwright's IMPACT blog and gets his fascination with technology from his background in electronic engineering.

He is a committee member for two committees of the European Communities Trademark Association.

 

Andrew's current role is a new one and he is currently focusing on brand protection in all its legal aspects, from trademark registration to dealing with domain name disputes. Whilst litigation is not heavily demanding of his time, he is seeking to evaluate and minimise the risks facing the business that present themselves in the form of litigation.

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Now all this tells me that Andrew Knows alot about trademark and domain disputes but doesn't mention anything about defamation law?...

 

Im not so impressed now... I appear to have been passed of on a geek....:rolleyes:

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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'Don't forget the vaseline for your raspberries. Good luck Millsy '

 

MILLSY!!!!! oh my god I have wandered into a edition of LA LAW..

 

the MILLSTER..lol..... but that link is quite good... Justgiving - Andrew Mills - Fundraising Page

 

wonder how many of these nice people posting for MILLSY work for Experian... might check...

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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WELL.. LETS SEE.. Nicola hart does...

 

Nicola Hart - LinkedIn

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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she used to work for stapltons tyres... wonder if she can set me up with some cheap boots for the BMW... ?

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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kike roas works for experian 'automated property valuation service'... lovely...:rolleyes:

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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:lol: good this isn't it... I feel like the Millsy's friends are mine as well now... gives me a warm feeling....

 

so if you need some tyres, your hard drive mended of Mike to value your house without looking at it... just write the Millsy......:cool:

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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If your enemy is secure at all points, be prepared for him. If he is in superior strength, evade him. If your opponent is temperamental, seek to irritate him. Pretend to be weak, that he may grow arrogant. If he is taking his ease, give him no rest. If his forces are united, separate them. If sovereign and subject are in accord, put division between them. Attack him where he is unprepared, appear where you are not expected.

 

Sun Tzu 'The art of war'

Strategy without tactics is the slowest route to victory. Tactics without strategy is the noise before defeat.Thus, what is of supreme importance in war is to attack the enemy's strategy. What is essential in war is victory, not prolonged operations.

 

Sun Tzu 'The art of war'

POST THE LETTER AND SIGN THE PETITION AT POST 88 ON THE LINK BELOW TO GET THE OFT TO INVESTIGATE THE CRA'S

 

http://www.consumeractiongroup.co.uk/forum/campaign/153512-campaign-oft-against-unfair.html

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Are you looking forward to this fight by any chance :D

 

There is a thread started in 2006 that you could maybe have a look through as there were contributions from a JamesJ from Experian (at the time was Consumer Affairs Manager and UK spokesperson) who attempted to explain how Experian were right and wonderful and put folk off from going legal etc - he made some very definite quotes about how they do business, checks they do etc. and some assertions about the accuracy of their reports.

 

Might be useful - http://www.consumeractiongroup.co.uk/forum/legalities/26275-credit-ref-agency-reply.html

 

If you get any reply about what the lenders actually sent (feck all lol) I will be very interested. I have proof they didn't have/receive/ask for anything for my dispute - yet told me they had!

Dipply75

 

I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat! :p

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