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thepalace1 v Express Gifts


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Hello all, hoping somebody can offer on going assistance regards my current struggle against the CRA's and Express Gifts.

 

I requested all 3 CRA's to remove my default against Express Gifts (Studio) as I never gave them permission to process or share my data with the CRA's.

 

The CRA's all said they cannot do anything even though I never gave permission, I certainly never signed a credit agreement with Express gifts.

 

I sent a CCA s 78 request and received some stuff today

 

http://img34.imageshack.us/i/edited1.gif/edited1.gif

http://img341.imageshack.us/i/editied3.gif/

http://img34.imageshack.us/i/img2f.gif/

 

 

As you can see, the agreement they send is not signed by me, and the default notice, is just an example of the ones they send, (one i did not receive by the way)

 

What could my next move be in getting the defaults removed, can anybody offer assistance in this magnificent forum.

 

Thanks in advance

 

David

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