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    • Thanks for pointing that out, I have now correctly removed my name and car reg from the file and will upload in this post, so that the previous one can be deleted. ilovepdf_merged_(1).pdf
    • My WS / DEFENCE   This I believe should have been dealt with in 2017 as I sent a defence for this and the CCJ was removed. I had 2 default CCJ’s in 2017 (I will call it case No1. and No2.). I submitted my defence for both, excel discontinued both (I thought). BW Legal discontinued them and I signed a letter of discontinuance for both, and both CCJ’s were removed.  Both claims were for the same alleged offence (parking order on same car park) but different dates and my defence was identical for both and dealt with concurrently. I requested them to be dealt with together on the n244. Initially I sent both defences No.1 (confirmation from Bury court attachment no 5) and this new resurrected one No2. (confirmation from court attachment 1). I received an email from Manchester court advising my defence had not been received for No2. I then forwarded my original email defence sent to court (attachment no’s 2,3,4.) As both the default CCJ’s were removed I presumed both were dealt with. It might be worth noting here that I was suffering with severe depression and a doctor’s note was submitted with the original n244 set aside. Not sure if relevant but also BW Legal asked me to sign a consent order for both set asides to save costs. I agreed and signed the consent order for both cases, I attach consent order for this case No2. (attachment no 6.) Judge Osborne approved these but deleted paragraphs 3/4 ( attachment no 7). I now have a new default CCJ for the same case No2 in Sept 2018 (same case number as in 2017). I spoke to Manchester court who confirmed my defence was still not registered from 2017 and has never been on the file. Although as you can from the attachments, it was submitted. They also advise the newest notes from 2018 say that defence was struck out as the DQ sent in 2018 was returned as not served as I was not living at the address it was sent to. My new address was updated with the DVLA. This case I believe should have been dealt with the same as case No1. inn 2017, and discontinued as the defence and claim is identical except for the date (ie parking order on the same car park same issue just on different dates). NB  All attachments are from 2017 including my defence  My current defence from 2019 is below in this email    Attached also is the letter of discontinuance for case No1. I have attached: 1 Confirmation defence submission C2DP99CJ to bury court from 2017  2 email from Manchester / re-sending my defence to Manchester 2017  3 Pg 2 of original defence from 2017   4 Pg 3 of defence 2017  5 Confirmation defence submission No1 from court 2017  6 consent order for set aside No2 2017  7 approval of the order & judge Osborne deleting 2 paragraphs 3&4 from it 2017  letter of discontinuance for No2 2017        2 *Defence    Defence C2DP99CJ from 2019       
    • its not polite to hi-jack someone elses thread. a debt buyer is not a creditor   have you your own regarding your irl complaint?   dx
    • you've been had thats why..cash cowed you fell for a threat-o-gram from a paperwork only solicitor...fake/tame  I bet Halifax hasn't seen a penny of that money you paid   and you've now got another powerless DCA trying the same things  they need free money for their xmas party drinkies    if Halifax want the money.. then its THEM you pay attention too.    
    • I'm very sorry if you feel that some of the team are rude. I don't think anybody intends to be – but there is a certain forum culture which exists on all forums which makes people seem to be very direct and address each other in a way that they wouldn't face-to-face. I can assure you that the site team gets exactly the same from many of the users on this forum. But also, the site team is here almost all the time – relentlessly – and I can tell you from my own experience that it can be very exhausting and it is easy to burn out. Maybe that helps to make people forget their P' s and Q' s sometimes as well. Anyway, as the original post says, we have some big bills coming up. Things are always a bit tight and at the moment things are exceptionally difficult. I don't know why. Any help that anybody can give us is gratefully accepted
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This seemed like the best forum for this question, mods please move it if it should be somewhere else.


Fraudsters obtained access to a friend of mine's online bank accounts and stole a lot of money.


They did it by first stealing her mobile phone number.

They submitted a fake PAC request to my friend's mobile phone provider and managed to convince them they were her.


They then moved my friends mobile number to a different mobile provider, then managed to gain access to the online bank accounts and reset passwords.


The bank sent verification codes to my friend's mobile number to check the requests were genuine but of course the mobile number was by that time under the control of the fraudsters.


What I've learnt from all that is that PAC theft is a real weak link in online banking security unless mobile phone companies are as rigorour in ID verification for PAC requests as banks are. I don't think phone companies are.


that's just background.

After much time in meetings at the bank etc the bank has refunded all the money stolen without any quibbling and the phone company has apologised and offered (a small amount of) compensation and has closed down the stolen number.


My friend now has a brand new number and as added security has had her account with mobile phone co restricted to say that no PAC code can be issued unless she goes in person to one of their stores with appropriate ID.


I've advised her that she ought to check with the three Credit Reference Agencies to make sure the fraudsters didn't try to set up any fake accounts in her name during the time they were in control of her phone number.


To find out what credit searches have been done on her will it be sufficient to just to get the statutory report from the three CRAs? eg this one from Experian




She doesn't particularly want to pay for wider access to her CRA information - she isn't interested in knowing her credit score for example - if the statutory report will tell her what she needs. (They used to cost £2 didn't they? I see Experian's is free now under GDPR)


She's also changed her passwords on her email and every online site she uses. Anything else she should be doing?


I've told her the fraudsters probably harvested a lot of the information they used from what she's posted on social media so to be very careful about that.

Edited by dx100uk

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Thread moved to Credit Reference Agencies Forum.


Its a little quiet in that forum.



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Hi Ethel...


Maybe this can help :)




I have also first hand been affected by ID Theft.


What your friend experienced is something that is becoming a rapid trend in Fraud. They pretend to be the individual concerned and activate a SIM Card with the existing number.

First thing you hear of it is when your phone just goes dead and wont register with the SIM inside. Or in this case - They have ported it to a different network provider.


Good idea from your friend about setting up extra precautions. I would if I was them. Maybe also add a password - Most companies have that option for security.

Also think about a Notice Of Correction in future asking for a password to be used for new applications. Add it to all 3 agencies, but it will to a degree protect any fraudulent applications occurring as a human will then have to verify the application.


Receptaculum Ignis


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Thanks fkofilee. So looks like the statutory CRA reports would be sufficient to show whether any credit searches had been carried out? I realise it's a only snapshot in time report and wouldn't give notification of future credit searches.

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I would also register with cifas. That way anyone trying to get goods or finance will have extra checks to go through.




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