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ben1305
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Thanks for that Sam.

I've signed up for my credit file today so as soon as i get it i'll post back on here and let you know more about the ccj.

My opinions are my own and not those of anyone else :D

 

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http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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nope.

All they say is that they want to arrange repayment (when i give them the chance to talk).

 

They keep sending me texts saying please contact us regarding settling this account at a greatly reduced amount.

 

hope this helps

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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The latest text message recieved from JBDR is as follows...

 

I refer to our previous contact.

To take advantage of a special settlement proposal please contaact JBDR on 0141******

quoting ref ******

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Will do. I get the feeling they're just trying it on. Otherwise wouldn't they have pushed for enforcement or at least mentioned ccj by now?

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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i'm on with it now. Thanks guys. Will keep you all posted

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

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they either dont know. or know and KNOW that they are up the creek without a paddle.

if they had anything it would have been a case of 1 contact,pay up or we will enforce:D

 

you could check court registry on line and see straight away,but it costs £8.

 

I would also say send them statute barred,see what they get back with.

you should have credit file by then.:D

 

SAM

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me thinks getting well ahead of our self on this one

 

did you get a n1 county court claim

have you had any paperwork from a court

 

welcome are very big on saying they have issued a claim

 

most of the time its bs

 

do you , or have you had at any time correspondants to say you ever had a ccj

 

 

now thats a thought.could welcome have fibbed:eek:

 

SAM:pLOWELL DETESTER

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i sent of statutue barred letter which they signed for on wednesday.

have also seen my credit file and there are NO ccj's or defaults from welcome.

there are a lot of address ascossiations put on my credit file by welcome (27 in all)!!! Why would they do that???

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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Bump

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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no sam. the are around 4 associated addresses but there are 27 entries.

 

a few companies have entered the same info several times over but changed the format slightly.

Edited by ben1305

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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no sam. the are around 4 associated addresses but there are 27 entries.is this welcome keeping a eye on you

 

a few companies have entered the same info several times of but changed the format slightly.

companies as in DCA? and trace or search

 

 

 

are any of these JBDR?

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no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.

 

There are no entries from JBDR at all Sam.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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so there is no default or ccj on your file.

 

if there had been and it has now fell off,you will have to wait and see if they mention ccj.

 

how long have they been in contact?

 

 

They've been in contact on n off for the best part of a year i would guess. I've had threats of alsorts from them, even to the point where one of their monkeys rang up pretending that she was an OR and that they had BR'd me.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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no. companies as in... my our mortgage provider, our joint bank account, my partners bank have even put an entry on my credit file.

 

There are even 4 entries made by experian which are all dated the same.

Now i'm confused.WHAT DO THESE SAY.

 

There are no entries from JBDR at all Sam.

what date did JBDR first contact you

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Name:MR XXXXXXXX

Address:XXXXXXXXXXXXXXXXXXX

Date of birth:XXXXXXXX

Associated with:XXXXXXXXXXX

Date of birth: xxxxxxxxxxx

Confirmed by:CREDIT EXPERT REPORTDate:19/07/2009Note:This information was provided to us as part of a report application or from information given after receiving a credit report.

 

 

I've copied this straight from my credit file, obviously I've removed all the personal info and replaced it with X's

I honestly could not tell you the date JBDR first contacted me.

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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you have no way of finding out if there had ever been a ccj.

its over 6 years,off your file and been removed from central court records.

 

IF they respond to your statute barred and mention ccj.they CAN NOT do anything even if they have original details.

permission will not be granted.

 

what do you mean by pretending to be OR?

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exactly that.

The woman spoke really quietly and extremely quickly...

She said she was Miss M from blah blah and had bee appointed my OR as JBDR had petitioned me for bankrupcy. she went on tho say that she and the creditors were holding a meeting to discuss my assets and that i should seek legal help.

 

Funny how everytime i asked her to speak up she just ignored me and carried on with her BS.

 

In the end i told her to p*ss off as she was obviously speaking quietly for a reason known only to her

My opinions are my own and not those of anyone else :D

 

<<<<<<<<<<<<<< If you find me helpful please click on my scales

 

http://www.consumeractiongroup.co.uk/forum/credit-reference-agencies/211007-equifax-your-time-has.html

 

SIGN THE PETITION TO STOP CREDIT REFERENCE AGENCIES RECORDING DATA WHEN NO CREDIT AGREEMENT EXISTS - SEE FORUM POST

http://www.consumeractiongroup.co.uk...ml#post2370021

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as long as it is 6 calandar months since they contacted you they will not be able to enforce a ccj.

 

I think that their had been one but its to late for them now,:D

game over.

 

are you at the same address now,that they first contacted you at.

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