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JDW, default for id theft account need it removed


davidscreditfile
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I also obtained this from them regarding a JD Williams account.

It does not makes sense.

Debt written off.

No copy of contract,

can't remove default as information was correct at the time

but they can't send or have copies of nothing..?

 

letter below including the reply from Exuifax,

which tells me that the dca can't leave a default if it buys the debt?

so something really wrong here.

111111 dp.JPG

IMG_3526.JPG

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PDF only please

you've been here 7yrs now

you should know by now that when a debt is sold the buyer name replaces that of the original creditor on your credit file.

so yes it will be shown against lowells name now, but he OC filed it upon sale, as they must.

a dca cannot file/register a default notice

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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for that JDW debt

go start a new thread in the mail order forum

and put that page up as a PDF so we can zoom and rotate!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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DCA (Lowells) bought a fraud Vodafone account (debt in my name, no idea who took the phone out).

 

DCA then left a default in my name on my credit file.

 

Contacted DCA & CRA's.

All came back saying information was correct via their clients.

 

DSAR'd Lowells.

They came back asking for ID/Address proof, then a week later, sent another letter saying that due to the amount of requests they have had, it will take them a little longer to get back to me.

 

I SAR'd Vodafone at the same time (they came back asking for my ID. I have since sent them a CTAX bill and awaiting them sending me the information I have requested).

 

I think the DCA has contacted Vodafone and as nobody has any info on me, they're playing the stalling game.

 

I have tried to upload the letters sent to me, but when i try to upload the PDF is says file extension incorrect (I am using a mac and only the Lowells one uploaded ok.

Lowells Response.JPG

Anyone got any ideas on how to progress this?

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So this is about 2 defaults?

What has jdw got to do with a voda default?

 

The defaults are nothing to do with lowells

The original creditor filed these

And its them you need to take to task

Not the dcas nor the cra providers

 

It identity theft because you probably moved and didnt utilise mail redirect

So [email protected] got ahold of pers details still being sent to an old adr

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Right ive updated the title of this thread

Use this one for the jdw id theft stuff

And the other thread for the vodafone one please

 

Ive moved a few posts over here too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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