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DCA's messing with credit rating and searches etc


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Not sure if this is the best place or wether the Credit Reference forum would be better but here goes.


Have done a credit search which has thrown up some interesting info.

I have had several searches carried out by DCA`s , one had searched twice within 5 weeks. Another has searched on my current address but I have no idea who they are other than possibly linking them to another company. The DCA was Vicol ( Village Collections Ltd) around the same time I was getting calls and letters from Credit solutions, are these two known to be linked ?


I have also had another DCA move an alleged debt to my cuurent address claiming it to be a credit card but they make no mention of who the card is for. On my record, my past few years is showing a good record however this alleged debt they have now moved to my current address is showing defaulted in 2005.


I have another DCA who has put up another alleged debt, again with no name of the origional company just says Communications Supplier from Lowell Portfolio 1 Ltd . Im assuming this is for a mobile, my mobile bills are all up to date and can`t recall one ever being cut off etc.


Any help would be apreciated as I can see light at the end of the tunnel with my credit rating now.

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Is it Experian you're using? They're in bed with lowlife, allegedly...

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so contact these idiots and tell them that all these searches and alledged debts are not yours and that any further attempts by dca's and experien to blacken your record will be reported to the relevant authorities, especially as these dca's have not attempted to contsact you in any shape or form to query if this entries are correct




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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Village collection Ltd.

I had to laugh at quote from their website



All you have to do is choose your package and enter the details on our order form and leave the rest to us.

You get the "Third Party" impact.

Your debtor gets hit with the full power of a Debt Collection Agency which makes them respond, even when they have stopped listening to you.


"the full power of a Debt Collection Agency "

Ha Ha Ha, what F**king power


They appear to be a newish small time outfit as parts of their site is still under contruction


Based In:


Bolton UK






0843 2893970 (Switchboard)



07837 359 346


07976 659 403


01204 437652 (Fax Machine)




[email protected]

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as I thought, only incorporated a few weeks back


Name & Registered Office:








Company No. 07406333



spacer.gifspacer.gifspacer.gifspacer.gifStatus: Active

Date of Incorporation: 13/10/2010


Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

None Supplied

Accounting Reference Date: 31/10

Last Accounts Made Up To: (NO ACCOUNTS FILED)

Next Accounts Due: 13/07/2012

Last Return Made Up To:

Next Return Due: 10/11/2011

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Looks like a one man band outfit, registered offices are private house according to Royal Mail


Does not appear to have a consumer credit licence, so should not be searching your file at all.


But there is info at ICO about a


Vilcol (Vil Collections) so might be them that have searched.



Registration Number: Z5416641

Date Registered: 27 April 2001 Registration Expires: 26 April 2011









Other Names:






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Do what I did and go to his website and leave a very nice testimonial like I did.



LOL, like it. But it has transpired it is Village Investigations searching the CRA files


But he sounds like a right charlie running that Village Collections, probably some ex DCA employer decided to front his own outfit

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Yes its Village Investigations not collections.


Does anyone know if they are associated with Credit Solutions ? they are the only people I have had dealings with around that time.


Can't find no association, but doesn't mean there isn't


Licence Number:0007525

Licence Status:Current


Current Applicant / Licensee:


Business NameCompany Registration NumberGE Money Home Finance Limited592986




Consumer credit Credit brokerage Provision of debt-adjusting on a commercial basis Provision of debt-counselling on a commercial basis


Right To Canvass Off Trade Premises:No



Trading Name(s) (Current):


Credit Direct Creditplan Direct Solutions Financial Solutions First National First National Consumer Finance First National Home Finance First National Mortgage Company First National Mortgages First National Tricity Finance First-Online FNS GE Consumer Finance Home Lending GE Money GE Money Home Finance GE Money Home Lending Holiday Solutions Holiday Solutions Travel Club Homeowner Solutions Household Solutions Idol Igroup Loan Solutions Loans Direct Solutions Solutions Direct


Trading Name(s) (Historic):


Abbey National Business Abbey National business - Martgages Abbey National business - Mortgages Abbey National Business Mortgages Alfa Romeo Contract Hire Alfa Romeo Easiplan Alfa Romeo Motor Finance Alfa Romeo Personal Leasing Plan Alfa Romeo Preferenza Bankhall Asset Finance Bentley Motor Cars Financial Services British Mortgages Abroad Carcredit Purchase Plan Charterfield Charterfield Finance Charterfield Finance Credit Solutions Curzon Finance Daihatsu Finance Daihatsu Secure Fiat Contract Hire Fiat Easihire Fiat Easiplan Fiat Motor Finance Fiat Preferenza Fiat Premier Plan First National Professional Solutions First National Asset Finance First National Asset Finance Group First National Bank First National Caravan Finance First National Commercial Banking First National Country Capital First National Equipment Leasing First National Marine Finance First National Motor Cycle Finance First National Motor Finance First National Motorcycle Finance First National Professional Solutions First National Professional Solutions First National Wagon Finance First National Wholesale Finance Flying Lady Contract Purchase Flying Lady Contract Purchase Plan Flying Lady Financial Services Flying Lady Financial Services Contract PurchasePlan Flying Lady Financial Services Purchase Plan Flying Lady Financial Services Refinements FNB Freestyle Getmotoring Household Finance Company Insurance Solutions Lancia Contract Hire Lancia Motor Finance Lancia Preferenza Laureate M G Rover Financial Services Marshall Financial Services Maserati Finance Masons Financial Services McCormick Finance Motoring Solutions Motorloan Motorloan Direct Motorview Nissan In Business Nissan Motor Finance Nissan Motor Finance Contract Hire Nissan Preferences Open Road Policy Loan Plan Porsche Finance Preferences Professional Services Professional Solutions Refinements Reliance Financial Contracts Roll-Royce Motor Cars Ryland Motor Finance Saville Finance Specialist Caravan Funding Plan Stockbase Vic Young Financial Services Wagon Wagon Finance Wheelfund Whichford Financial Services Whitehouse Motor Finance Wilsons Motor Finance First Line Direct First Line Personal Lending First Line Personal Loans Credit Solutions Direct First Line First Line Loans First Line Solutions Independence First Line Credit First Line Finance Privilege Policy Plus Ultimate


Issued Date: 07-Feb-1979

Date Maintenance Payment Due: 05-Aug-2014



Legal Formation:


Body Corporate (incorporated inside UK)


Current Individuals that run the organisation:


NamePositionClodagh Gunnigle Colin John Varnell Shave David Harvey Duncan Gee Ian George Ferguson Mandeep Singh Johar William John Flynn


Historic Individuals that run the organisation:


NamePositionAndrew Geoffrey MooreOFFICERAndrew Robert PunchOFFICERBrad John CooperOFFICERBrian Addison CarteOFFICERBruno Heese Bruno HeeseOFFICERClodagh Gunnigle Colin John Varnell ShaveOFFICERConrad Bailey DixonOFFICERDavid Howat StewartOFFICERDavid Peter PriestOFFICERDavid Richard CarsonOFFICERDerek John LewisOFFICERDouglas George MiltonOFFICERDuncan Gee BerryOFFICERElizabeth Mary SullyOFFICERGiacomo GigantielloOFFICERIan Douglas Wilson Ian George Ferguson Ian Graham StoryOFFICERJames Ramsay SmartOFFICERJeffrey HarrisOFFICERJeremy Edward BoakesOFFICERJohn Neil MaltbyOFFICERJohn Peter SpencerOFFICERJohn Robert Davy HayhowOFFICERJonathan Graydon BaumOFFICERJulian Stanley NutleyOFFICERMalcolm John MillingtonOFFICERMark Andrew PainOFFICERMichael Allan BartholomeuszOFFICERMichael Christopher McCarron Michael James BarleyOFFICERMichael John MellingOFFICERMichael Richard BelloraOFFICERMr Charles Gerard TonerOFFICERMr Charles Nigel VilliersOFFICERMr Christopher John CollinsOFFICERMr David Alan ThornhamOFFICERMr David Francis CowhamOFFICERMr David Gareth JonesOFFICERMr Dennis Alfred Peter JeffreysOFFICERMr Eric Donald RussOFFICERMr George Duncton CracknellOFFICERMr Ian HarleyOFFICERMr John David Scott HallOFFICERMr John Stearn ScottOFFICERMr Josef Ingo KamielOFFICERMr Keith Lionel DalwoodOFFICERMr Keith William HorlockOFFICERMr L.S. DyerOFFICERMr M.R. DentonOFFICERMr Michael Anthony MewOFFICERMr Michael Thomas James HortonOFFICERMr Peter Gibbs BirchOFFICERMr Philip Anthony GeorgeOFFICERMr R VineOFFICERMr R.S.D. LangdonOFFICERMr Richard Arthur Donald BrooksOFFICERMr Robert Martin Mays-SmithOFFICERMr Stanley Joseph ClaymanOFFICERMr Thomas James Borgen WrigleyOFFICERMr Trevor Robert SmithOFFICERMr W.M. StricklandOFFICERMrs Yasmin JethaOFFICERPaul DontschukOFFICERRicky David HunkinOFFICERSean WebbOFFICERStuart William SinclairOFFICERTimothy Charles William IngramOFFICERTracey Elizabeth VarleyOFFICER


Historic Organisations that run the organisation:


NameCompany Registration NumberPositionAbbey National Secretariat Services Limited OFFICER


Nature of Business:


Credit Brokers Other


Current Address(es):


Address TypeAddressCorrespondence53-61, College Road, HARROW, Middlesex, HA1 1FB, United KingdomPrincipal Place Of Business53-61, College Road, HARROW, Middlesex, HA1 1FB, United KingdomRegistered Office53-61, College Road, HARROW, Middlesex, HA1 1FB, United Kingdom


Historic Address(es):


Address TypeAddressCorrespondence53-61, College Road, Harrow, Middlesex, HA1 1FBCorrespondenceFirst National House, College Road, Harrow, Middlesex, HA1 1FBCorrespondencePO Box 505 St Alphage House, Fore Street, London, EC2P 2HJPrincipal Place Of Business53-61, College Road, Harrow, Middlesex, HA1 1FBPrincipal Place Of BusinessCharlton House, Kenton Road, Harrow, MiddlesexPrincipal Place Of BusinessFirst National House, College Road, Harrow , Middlesex, HA1 1BDPrincipal Place Of BusinessFirst National House, College Road, Harrow, Middlesex, HA1 1FBRegistered Office53-61, College Road, Harrow, Middlesex, HA1 1FBRegistered OfficeFirst National House, College Road, Harrow, Middlesex, HA1 1FB

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according to his page count he has had 390 hits, I wonder hom amny of them were from today :-)




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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A website with a hit counter?


How quaint.

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.


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He will be getting all excited by the traffic, imagining all these firms looking for a Debt collector, how sad




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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