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    • Have you called the credit card company and tried to initiate a charge back?
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Government Departments now using CRAs to search out fraudsters.


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Not sure if this has been covered elsewhere or previously, so here goes.

 

The likes of DWP: Housing Benefit: Council Tax Benefit and similar are to trawl through CRA files with no other reason than to find those co-habiting. Their statement ran along the lines of:

 

If you apply for a benefit as a single person, then someone else either already lives at that address, or moves in and then seeks credit a new 'link' is being marked up so that these people can be caught out when making fraudulent claims!

 

It is also to be used against pensioners claiming they have less in savings than in reality.

 

I personally am going to complain to the ICO because surely this was never the reasoning when setting up CRAs.

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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Its nothing new and merely a tool to prevent or investigate crime.

 

I know of one particular CRA that offers its service to law enforcement agencies and you get access to a shedload of data.

 

I doubt you will get very far with the ICO.

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Yes I announced this last August I think Experian were awarded the contract.

They will also be using it to track gone aways who have outstanding warrants.I seem to remember that there will be commission paid too.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?272768-Gov-plans-to-use-Experian-to-deal-with-benefit-fraud-overpayments

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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FFS, the CRAs are allegedly partly owned by the same people who own DCAs. This country is becoming more like Russia every day!

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Here is an interim report published earlier this month.

It shows that all new Working tax credit applications are being checked against credit file data.

 

http://www.cabinetoffice.gov.uk/sites/default/files/resources/eliminating-public-sector-fraud-final.pdf

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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right so its just the i.d. side they're interested in. fair enough. but the thought of the tax payer lining the pockets of the same directors that own the DCAs makes me puke.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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oops, sorry to re=post, it was in, I believe, the Daily Mail this week, and I didn't realise it was 'old news'. I must agree with others that this is getting more like the 'old' Russia, perhaps we should now stop claiming of buying anything, it is a definite return to the 'olden days', many of us odies, and, I suspect not so oldies, have already returned to keeping any spare cash under the mattress and dealing as little as possible with banks.

 

I do not condone any type of 'fraud', but my dealings with HMRC on behalf of my sister have left me in a state of dis belief at the system as a whole. After many, many hours of research I have found hidden away in the depth of the .gov.uk website the piece of information that I needed to 'prove' what I had said all along and after having been ignored by the Pension Service, had the 'phone put down on me by them also because I insisted I was right and they were wrong, I finally got them to admit that the piece of information I had found was completely unknown to anyone at the Pension Service!! but it has proved that we (my sister and I) were right all along and her pension and pension credit have been incorrect for nearly 5 years!!

 

So what hope is there for any information 'they think' they have uncovered to not automatically put those people in a potentially distressing position?

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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Yes many people wonder why there can be sudden collection activity against them just as they settle one debt.

 

Well Experian alerts them...

 

Customers who've gone into arrears usually become solvent again at some point in time. We'll monitor your debtor accounts and let you know when a customer's ability to pay has improved so you can immediately start working the account again and collect the unpaid balance

 

http://www.experian.com/business-services/debt-recovery.html

 

An absolute disgrace that they can be in any position to do this.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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it has just happened to me. Have settled a barclaycard and within 3 weeks Egg have sold me loan to arrow who will be chasing soon enough

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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I am going to question the legality of Experians right to share

this data on a commercial basis, as when a CCA or other agreement is signed

I believe the data is only to be used within the definition of personal credit and should no be

sold on without the data subjects permission which is not given under the signature

on the said contracts.

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Yes true.

There are always clauses in an agreement where they say they reserve the rights for sharing with third parties and credit reporting.But when an agreement is terminated,by default or assigning,then the original agreement ends,ansd so with it should any permissions.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Although I am not an expert on CRA I believe they were borne out of the need for creditors to have somesort of database where they could check out potential debtors.

 

Therefore it is no surprise that when they find people are not paying they will refer to the CRA.

 

Whether the Government and other public bodies should be accessing CRA files is another matter I spose.

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oops, sorry to re=post, it was in, I believe, the Daily Mail this week, and I didn't realise it was 'old news'. I must agree with others that this is getting more like the 'old' Russia, perhaps we should now stop claiming of buying anything, it is a definite return to the 'olden days', many of us odies, and, I suspect not so oldies, have already returned to keeping any spare cash under the mattress and dealing as little as possible with banks.

 

I do not condone any type of 'fraud', but my dealings with HMRC on behalf of my sister have left me in a state of dis belief at the system as a whole. After many, many hours of research I have found hidden away in the depth of the .gov.uk website the piece of information that I needed to 'prove' what I had said all along and after having been ignored by the Pension Service, had the 'phone put down on me by them also because I insisted I was right and they were wrong, I finally got them to admit that the piece of information I had found was completely unknown to anyone at the Pension Service!! but it has proved that we (my sister and I) were right all along and her pension and pension credit have been incorrect for nearly 5 years!!

 

So what hope is there for any information 'they think' they have uncovered to not automatically put those people in a potentially distressing position?

 

 

Don't leave us hanging there - what info did you find LOL :rant:

 

Don't agree with looking into spending habits but I do agree with it being used to catch out those who claim to live alone but don't.

 

Perhaps they can reduce our tax with all the savings they make (as if)

Edited by rdm2006

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I remember one of the papers wrote a good article dismissing it at the time.

Trying to find it-I think it might have been Mail or Guardian.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The mail certainly did an article and a couple of other papers did to.

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I have no objection to this.the way i see it, this can only help save the taxpayer (me) money by stopping fraudulent claims for benefits that people are not entitled to.I am all for using the private sector to improve the efficiency of the public sector. Would anybody object to the Child Support Agency (or whatever it is now called) using a CRA to track down an absconding and neglectful father?

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Well mate, it won't be long before our medical records are processed by Experian as well.

Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.

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Hi bob, I am in principle in favour of stopping fraud etc. but the debt collection agencies using

a ''Robust'' approach to recovering over payments, have little regard for the probability

they the individuals they are dealing with may be some of the most vulnerable in society,a

least when the government departments dealt directly they had the full records of the client

to guide and moderate their handling of the individual case.

A DCA's handed minimum details of amount of debt and what it's for with no

background are going to be on dangerous as from experience they appear to have little or

no knowledge of the laws and regulations governing government debts.

Simple things like stating that debts owed to for instance cannot be statute barred, I have dealt with

quite a few cases of this nature, and of course these debts are cover by the Limitations Act.

 

Great care needs to be exercised, IMHO.

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They couldn't make more of a C**k up of than the NHA already does!!!!!!!!!!

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More I see of it's like dribble (or should that be drivel) :madgrin: than drip. drips talking cr*p.

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pitty they can't use the same system to check on MP's expenses claims - if that were true it would soon be stopped :razz:

HTH (Hope This Helps) RDM2006

 

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All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Perhaps we should send such a suggestion to the PM Mr C

HTH (Hope This Helps) RDM2006

 

THE FORCE (OF CAG) IS WITH YOU

;)

 

We've Helped You To Claim - Now Help Us Remain

A live Site - Make a Donation

 

All advice and opinions given by people on this site are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, please seek qualified professional legal Help.

 

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Why not show your gratitude And

Click the * on the post you found helpful.

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I reckon that would make ''A Real Eaton Mess'':pound:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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