Is DCA misleading me?

[tooblueskies]

Hi,

 

Is it misleading for a DCA in this case MH to tell me that their "client" is part of their company but in a different name.

 

They tell me their client is Acqrd Debt who I believe are the same company. Is this within the law or is it misleading?

 

Can someone tell me more about Acqrd Debt e.g. postal details as I can't find them?

 

Are they breaking any laws or OFT guildelines? If so, can someone tell me:-

 

1. Which OFT guidline paragraph they are breaking.

 

2. Can someone please tell me the part of the OFT guidelines that state that a search can only be made if an application for credit has been made at the time of search and if permission has been given. I may be confusing this with ICO guidelines.. sorry but I'm not sure.

 

I have looked but can't find it.

 

Many thanks.

[ODC]

Lowell group regularly refer to diiferent desks in their Leeds Threat Centre as 'Their Clients' . They have delusions of grandeur and doing business makes them feel important. Its like when you were a kiddie playing at shops and you had all these pretend customers. Thats how they operate.

 

They claim to have bought a debt and its only when asked for a CCA that they suddenly remember that they need to contact their so called client

[tooblueskies]

The say my details were sold to their "client" Acqurd Debt and thats who they are taking instructions from.

 

I'm in the middle of writing to them to find out when my details were sold and asking for a fully completed SAR as the info MH sent (no hard copies, just a few typed lines, was not worth the paper it was typed on).

 

It was MH who made the entry on my file which I have endeavouring to find a way of having it removed? Its all in the hands of their "client" apparently. I've got a feeling if I SAR their client I would get just the same minimal info for £10 and it would be another couple of months waiting.

 

How much is the intial cost of taking to small claims court on the basis that they are unable to provide paperwork to substantiate their claims? I just want to see real paperwork to bring this to an end.

 

I'm sure I saw something once about OFT stating they can't make searches unless credit has been applied for at the time of their search - anyone know if this is the case?

[tooblueskies]

Should I let them know I know they are part and parcel of the same company.. i.e. just making up "clients"?

 

I found out that this relates to something over ten years ago which they acknowledge is statute barred but made the entry to my file only last year before contact me. I would have been very easy to find/contact if I had left a debt.

 

As I'm unable to see ANY paperwork (the O Creditor dont have any details about me as I contacted them) I'm unable to clear my name.

 

Any suggestions?

[dx100uk]

so you are saying that a dca put a default on your cra file for a debt that is 10yrs since last ack'ed?

and they havew no CCA?

 

if this is the case

then i would write to the cra

requiring them to check their data and remove the default.

 

dx

[tooblueskies]

Its a little more than 10 years but my sticking point is:-

 

1. I never ran up a debt. No-one has (EVER) contacted me about one, including the OC in all that time.

 

2. I am not going to admit to something I have not done, especially without seeing ANY paperwork to substantiate this.

 

If I owed money I would have been contacted a long time ago by someone, surely?

 

I thought only the company placing the search on your file could remove it - is that correct?

Edited June 14, 2009 by tooblueskies

[dx100uk]

sorry misread the message

so this is only a search marker, why is this causing you grief?

 

sadly, dca's can search cra files if they registered to do so.

 

dx

[tooblueskies]

It stays on my file for 6 years - which affects any future application I may want to make for credit e.g. mortgage, ccard etc, as well as being incorrect. Hence the reason my wanting to see documents/paperwork for myself.

 

I have made a complaint via the ICO in any event.

 

They cant make allegations (even though they do) without providing SOME paperwork to substantiate their claims otherwise we all could be in debt on their say so.