Cap 1 New Dirty Tactics!!!!

[alwayscheckurcreditrecord]

As written on my other thread. Crap 1 had linked an address on my Equifax file and placed a default. I have never had an account with them. I wrote to them 6 times since September 08 requesting the CCA, using templates from this site. They have only ever replied saying they cannot trace the account and can I send them and account number? I wrote back to Cap 1 stating I do not have an account number as I have never had an account with them. They have never repllied

 

I have now placed a complaint with the IMO.

 

The sneeky B**T*DS have, now suddenly, moved the account onto my current address on my Equifax file, that I was not living at the time, the alledged account was opened in 03, or the time the default was placed '05:confused:. I have proof, my bank statements, Insurance certifcate etc I was living at another address and had no financial connection to my current address. They must think I have a time machine as I didn't move into my currect address until '06.

 

What do I do now? Wait for the IMO to investigate. Send another CCA request? Is this a good sign that they are just trying to use delaying tactics?

 

I am trying for a mortgage and they are stopping me obtaining one!

Edited February 7, 2009 by alwayscheckurcreditrecord

[dpick]

Hi I am no expert but I wopuld say that you need writen evidence from whoever you have applied to for mortgage that they have refused/increased interest rate for a mortgage then write to Crap 1 demanding they remove default within 14 dayd or you will sue for damages etc.

 

The experts will give you further info on this it's just the thing they like to get their teeth into.

 

dpick

[alwayscheckurcreditrecord]

Just a quick note, to add, as I wrote my first post in a bit of a rush. I was very angry and as I'm dyslexic, its not the best time for me to post anything! I hope this is a bit clearer!

 

If CRAP 1 keep placing this account onto my credit records via linked addresses (they have placed it onto 2 linked addresses so far and removed the 2 linked addresses) and have now placed it on my current address. Is this not evidence enough that a default notice was never raised? I also think this proves they do not have a CCA or any evidence that this account belongs to me. Don't they have to place the account onto the address it was defaulted at and the default was raised to?

 

I have disputed this account with Equifax since September '08 and Equifax have sworn on many occasions that CAP ONE have confirmed the linked address and the account is correct.. They last confirmed this to me on 3rd February '09. Suddenly 7th February '09 this information has been moved to my current address. Is this not again evidence enough, that the information CAP ONE are supplying to Equifax is inaccurate and the account and default need to be removed?

 

The alleged account was opened in '03 and defaulted June '05. They have placed this account on my Equifax file at my current address. I did not move into until Febrary '06. If anyone wants to hire a time machine, contact CAPITAL ONE as they think they exist!!!!:DMCFLY???

 

I have never received a default notice or held an account with them.

 

Am I banging my head against a brick wall and should I hit CAP ONE with Legal action? I have never done this before and am quite scared!

Edited February 7, 2009 by alwayscheckurcreditrecord

[cadencealex]

You should be taking them to court and suing them for damages/distress/embarassment.

 

Stopping you getting a mortgage is dreadful for an account that does not belong to you

[alwayscheckurcreditrecord]

Hi I might have a rattled Equifax a bit ,as I got this email today! This is what Equifax have now sent to Crap 1

 

"Mr *** states that this is not his account. The account formerly appeared at the address of********** and has since been moved to the address of *********. The consumer states that he has sent a SAR and requested the Credit Agreement on 6 occasions and has received no documents to confirm that this is his account and has been advised that Capital One can't trace the account in question (please see attached document). Can you please confirm if the default is correctly registered and if you have any evidence that the account belongs to Mr ******* of ********. If possible can you please provide address details or contact information for someone Mr ****** can correspond with directly to obtain the supporting documentation he is requesting. Thank you."

 

Now, does that now not sound like Equifax are not feeling as confident about my credit file? They have been sending me the usual garbage of "We can't remove your data etc etc" And Crap 1 swear on their grannys life etc etc. I expect I should here from Crap 1 very shortly as these two are very closely connected!!!

 

Also IMCO have emailed me today to inform me that they have assigned me a ref no. and are investigating the case, can't wait

Edited February 9, 2009 by alwayscheckurcreditrecord

[cadencealex]

Hi I might have a rattled Equifax a bit ,as I got this email today! This is what Equifax have now sent to Crap 1

 

"Mr *** states that this is not his account. The account formerly appeared at the address of********** and has since been moved to the address of *********. The consumer states that he has sent a SAR and requested the Credit Agreement on 6 occasions and has received no documents to confirm that this is his account and has been advised that Capital One can't trace the account in question (please see attached document). Can you please confirm if the default is correctly registered and if you have any evidence that the account belongs to Mr ******* of ********. If possible can you please provide address details or contact information for someone Mr ****** can correspond with directly to obtain the supporting documentation he is requesting. Thank you."

 

Now, does that now not sound like Equifax are not feeling as confident about my credit file? They have been sending me the usual garbage of "We can't remove your data etc etc" And Crap 1 swear on their grannys life etc etc. I expect I should here from Crap 1 very shortly as these two are very closely connected!!!

 

Also IMCO have emailed me today to inform me that they have assigned me a ref no. and are investigating the case, can't wait

 

 

Yes it sounds like they are on the case! Well done!

 

They should be worried too - these companies should have to provide proof I think, before trashing peoples files. The CRAs will be getting sick of all the complaints..

[alwayscheckurcreditrecord]

Crap One have written to me today saying I have not sent them the correct fee of £10 for SAR. They have failed to send me my request for CCA which I know is only £1. I used and edited the templates from this site, sent them a postal order for £1 and six letters.

 

Who are they trying to kid! They think I don't know the difference between an SAR and a CCA request.

[Castlebest]

Hiya alwayscheckurcreditrecord, how about something like.....

Dear Sirs

 

Notice that you have reported data about me which is inaccurate and in dispute.

 

Further to the recent correspondence with yourselves and with Equifax I hereby confirm unless you remove the false information you have reported to the credit reference agencies I will have no option but to lodge a claim with the County Court against you, Equifax, Call Credit and Experian for your breaches of the Data Protection Act.

 

Your present actions are underhand and dishonest and I believe you are manipulating the situation and abusing your position in an attempt to collect a defaulted debt that has nothing to do with me.

You have failed to provide me with any evidence that you posses a credit agreement in my name despite my Consumer Credit Act section 76 letter and the numerous times I have followed this up. Further to this you have manipulated the information you are reporting to the credit agencies in an effort to further involve me in your deception, specifically the address's I was supposedly living at at the time of the reported default.

 

I am giving you the opportunity to remove this false information from my credit file. Please confirm to me in writing within the next 14 days that you have removed your defamatory comments you have made with a full apology and your proposals for compensation for this act of gross incompetence.

 

If you do not confirm that you have corrected your error within the next 14 days I will have no alternative but to issue proceedings in the County Court to force you to retract your lies. The Data Protection Act allows me to seek compensation from both you and the data reference agencies that are recording your erroneous reports through the County Courts. If you do not remove the negative reports you have made and the data reference agencies continue to report this false information I will have no hesitation in issuing further county court proceedings against you.

 

 

 

Yours faithfully

If you do use the above you must follow through and start court proceedings against them and I don't see why you shouldn't list the credit reference agencies as defendants too as they are reporting the information. This will cost you £150 though

pete

[alwayscheckurcreditrecord]

Thanks Castle!

 

Crap 1 have written back to me, via Equifax and said somebody will be in contact with me within 14 days. I will give them until then and if they don't wipe the default I will issue them with your fantastic letter.

 

Cheers again