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Vexatious unauthorised searches by Mackenzie hall & Lowell

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Lowlife & the Kilmarnock Cowboys seem to be employing a new dirty tricks ploy

they have searched my Equifax records 11 times in a few months some times

twice in one day.

I have no liability to either company and have only contacted them on behalf of others I have been trying to help.

I have sent complaints to Equifax ,OfT & Csa and to the CEO 's of both companies.

Does any one think there is a need to report this behaviour to the police as someone has mentioned such actions are harassment?

We all need to check CRA data as I did not find out about until I applied for an overdraft with my Bank with whom I have an exemplary record.

Please be aware Nat West and RBS use Equifax for all credit references.

All the searches correspond with the dates of my letters,perhaps they have had a fit of pique as I have done them out over £23000 in the last year.

Has anyone else had a similar happenings?

Edited by Brigadier 1JCS

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Hi,

 

I'm going to move this thread to a more appropriate Forum.

 

Regards.

 

Scott.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Thanks Scott where will it be now?

 

Continue to post on this thread, it's in the Debt Collectors Forum :)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Strangely enough have been going through my Equifax Report today, and I too have noticed several searches by MH and Lowells, in the last couple of months.

 

I have dealing with these people, but all accounts with them are in dispute and I have not been contacted recently, so they have no reason to be routing through my CRA files.

 

I too am going to complain to anyone and everyone I can, enough of these complaints and someone will have to do something (won't they:confused:)


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Hi Senior just had a thought as they have posted the search with the words

outstanding debt and I don't have any is this defamation and libel and worth a crack through the county court, don't have to pay fees due to age and income?

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Always worth a try, nothing ventured etc. Make sure you have a paper copy of what they have put as it could mysteriously dissappear!!


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Thanks have a full print out in date order and all the copies of my letters on behalf of others searches all within 2-3 days of my letters.

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don't forget to cc in the CRA as joint Data Controller.:p


As of 03/03/12 please do not under any circumstances wait for my further input or guidance on any current thread or defence of a court claim I might have been involved in on or through Cag.

Jasper1965

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Good proof then, there are several threads on here were Caggers are in various stages of litigation against the CRAs so the more the merrier if you are happy to do it, whats' to loose;)


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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I will go to CC tomorrow and get advice on how to word a claim on this.

Watch this space!

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I have had advice re the 11 unauthorised searches and have sent rd the following threatogram of my own saying I am going to take legal action for the

harassment and embarrassment and financial loss caused I WAS ADVISED TO ASK FOR 5K. BUT OFFER TO SETTLE OUT OF COURT.

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Lowells have done an unauthorised search of my credit file in the past couple of months too..I have no dealings with them, and presumed they had bought an account off somebody else, however i've heard nothing from them...i have though suddenly received something from Cabot (who haven't done a search) about my Sainsbury's Account (which is still showing as Sainsbury's on my credit file although Cabot assure me its now their's because it has a letter of assignment clause on the back!

 

I get very cross when these DCA's do sneaky checks on credit files...i know haven't given them permission to do so, and in the absence of any cca agreement they can't prove they have permission..

 

Keep us posted :)

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Hi Duffers Mum report Lowells to Oft I 've done this for Mackenzie hall and Lowell

as have others OFT have acknowledged that they are ''closely monitoring their fitness to hold a credit licence'' so the more reports the better.

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Brigadier, I will certainly do that :) I have just asked Experian to remove it, yes its unrecorded so only I can see it, but they don't have my written permission to search my credit file so they can jolly well remove it! (Waves to the guest....coooeeee) :p

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Hi Mum I have no liabilities to MH or Lowells the only contact was on behalf of others I was trying to help barrister says with plum in mouth '' they buggered them selves backwards''

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Well i've fired off an email to the OFT, every little helps :D

 

(waves again at the guest...oh there are 2 of them now!):p

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Be sure to do a letter before action, Brigadier.

 

Play it by the book and give them a chance to remove the references and pay you suitable compensation first, upwards of £1,000 per search.


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Get hold of Alan Stewart at East Ayrshire Trading Standards and send him the evidence of Mackenzie Halls wrongdoing... he is the person dealing with them and the more evidence he has the better.

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Thanks Donkey B have written to John McConnachie CEO with that.

Just spoken to Trading Standards in Kilmarnock very helpful seems like they have

an officer who specialises in MH Mr. Stewart by name.

very hopeful of a result.

Grateful thanks to all Caggers who have contributed to this thread, perhaps if we all keep complaining we will bring them down

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A little progress to report had a call today from Kilmarnock trading standards

investigating officer agrees that 12 searches can only be described as vexatious.

Kilmarnock Kowboys have not responded at all so far.

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That's good news. Vexatious, eh! Excellent! It's official!


“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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Interesting. I have checked my credit report and see that Lowells have been searching regularly. In fact there are 16 searches by them (4 of which were on the same day!) in the last 10 months.

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