ccs/tbi financial what next

[kh41]

morning all

 

i cca,d ccs month or so ago and got this reply this morning, had sent a dispute letter off to them yesterday

 

any advice regarding next step

 

http://s147.photobucket.com/albums/r305/lickjo/?action=view&current=ccs.jpg

 

 

 

 

many thanks KH41

Edited May 29, 2009 by kh41

[42man]

It is too small to read....have you tried using www.photobucket.com (free)...OR you could type up what it says....

[kh41]

have added to photobucket

 

see first post

[kh41]

Just a thought, this account is the only default on my credit file, seeing as they have no agreement and it was defaulted in 2004 can i get it removed ??

[kh41]

anyone got any ideas ???

[cerberusalert]

To get a default removed is going to be a bit of a fight and probably take some time to do. If your default was registered in 04 it'll drop off your file next year anyway.

[kh41]

drops of nov 2010, seeing as they have admitted they have no agreement and nor do dixons do you think they will drop the chase after they get my indispute letter

[cerberusalert]

You could try this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980

[kh41]

thanks for your reply i will wai for there reply to the in dispute letter hen post an update and look at sending that letter

 

 

many thanks

 

KH41

[kh41]

Update !!!

 

Recieved this letter of ccs this morning saying they have closed account and sent me a cheque for a £1

 

ccs picture by lickjo - Photobucket

 

now i have a letter off hem saying dixons have no agreemen and his saying hey have closed account, wha is my next step ???

 

this is the only blemish on my credit file due to drop off nov 2010

[cerberusalert]

Send this to whoever put the deafult on your file; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980

[kh41]

it was TBI financial services who put the default on do you think they will remove it ???

[kh41]

bump

[cerberusalert]

You can try, but as I said it could be a bit of a fight. send them the letter in post #11

[kh41]

Hi All Sending this off in the morning, does it sound ok

 

Gonna try and ge the default removed

 

 

 

Legal notice under the Data Protection Act 1980

 

 

To The Data controller/compliance Manager

Your Reference xxxxxxxxxxxxxxxxxxx

RE: Account No: xxxxxxxx

 

 

Dear Sir/Madam,

 

 

Please be advised that this is a formal notice issued under Section 10 of the Data Protection Act 1980

I demand that you cease processing of my Data by any means whether written or electronically, with third party individuals and

organisations. In addition to processing, this also means passing, ammending, sharing, and management in any form of my Data in whatsoever filing, either manually or electronically.

 

In compliance with the Information Commissioners guidance, I give you 14 days to comply with this request.

 

The purpose of this request is that I am of the understanding that your continual processing/controlling of my data will cause distress harm and damage.

Specifically because;

 

(i) my credit worthiness is being or has been damaged by your actions as a result of your entries to my credit files.

 

(ii)That recorded defaults on my credit files by yourselves are in dispute.

 

(iii)That I fully expect to show that adverse data was wrongly filed which would mean that earlier processing was unfair and unjust.

 

(iiii)That matters in relation to adverse data you have entered onto my credit files are currently in litigation.

 

(iiii) That the adverse data you continue to process, manage and pass on to third parties impedes my ability to apply for credit, mortgages or other financial services.

 

(iiiii)That as a data controller/compliance officer, you have a responsibility under the Data protection act to observe all principles set out therein, within the act.

 

 

I expect an acknowledgement of your intentions to comply, and if you do not agree, your reasons for being unable or unwilling to do so.

I will give you 14 days to forward this to me in writing.

 

 

Under the Data Protection Act, a County Court has the powers to order compliance of any breaches it sees fit, together with compensation, at the discretion of the court.

 

Should you fail to comply, or give just and reasonable reasons as to why you will not comply, I will consider making an application to my local Court on notice to force compliance, together with costs and compensation.

 

Yours faithfully

Mr xxxxxxxxxxx

Thanks for any help

 

 

 

[kh41]

bump

[cerberusalert]

That's fine.

[kh41]

Thank you, just one quesion though, by sending this can it cause any trouble 4 me ?? ccj or another default you know wha these people are like

 

thanks kh41

[cerberusalert]

No they cannot default you again & they have admitted they cannot provide a CCA so they certainly can't apply for a CCJ and win.

 

To be honest tho', I don't think you will have much luck with them removing the default. Even if you were to take them to court over it by the time any judgement was made it would have nearly dropped off your credit record. Don't forget it is due to drop off naturally next year anyway.

[kh41]

you have a point, was just hoping i might of got a quick result a year early lol.