lenny100 v Credit infomation bureu

[lenny100]

Have received a copy of the loan agreement from this firm but i have found its has changes and has information missing.

Can i claim against this as the information changes make the agreement void?

 

 

loan amount changed from £2925 to £3925 ( Not sure which was written first or second)

 

also selected method of payment not filled in

 

also signature look dodgy

[Donel261]

Who the hell area they? they have searched by credit reference file and I did not request any form of credit.

[lenny100]

they claim to be the collection agancy used by CDF ( Career Development Finance Ltd)

have a ref (uk)oft.ccl 481332

[Donel261]

Never heard of them either, the swines! wonder why they are medling into my credit report. (suspicious)

[goresci]

is anyone any further investigating this company, companies house states that the company was setup in Aug 2006, so not even established for over a year yet, but i won't hold that against them, however what i will say is, there is no information anywhere, apart from directory services that mentions this company, are they real, or an attempt by cdl to threaten consumers by posing as a collection agency, or computer center as it says at the top of my letter received this morning.

And.. are does the wording make any sence at all.

 

"The Credit Information Bureau, "

(business buzzwords to suggest they are a high status credit research and information specialists)

 

 

"National Credit Register and Computer Centre"

(sounds like their status is on par with those of Equifax, Experien and Call Credit, however again, no searchable information regarding this company, and whats this "Computer Center" business, what the hell is a computer center, probably an internet cafe somewhere in Hitchin, hey heres one for you, put the post code "SG4 0EB" in google maps or google earth, and check out that lovely house that this long established, high status company occupies as its registered business address.

 

I'm sure i started this post asking a question, oh well what the hell, I recommend find out who this company is, after I received this letter, It did bring me back to earth the fact that I still had a debt for a crap course supposidly paid for by a government funded loan, which I was supposed to be paying back, but instead owed Career Development Finance the outstanding balance, but a little investigation, has made me realize how funny this actually is, so this week I shall get to the bottom of this company.

 

Oh yeah question was has anyone dealt with this newly setup business or even paid them?

 

Gav

[lenny100]

I received a letter from them this morning threating me with Court action if i do not pay within a week , the problem is the documents they sent me are not signed by me and i told them this but they are ignoring this.

[goresci]

A little update on CIB - The Office of Fair trading does not have them listed as OFT approved

 

Gav

[goresci]

make sure all your letters that you send to them are recorded delivery, if you dont mind me asking why are they pestering you?

 

Gav

[lenny100]

they say i took out a £2400 career development finance agreement in respect of a scheidegger computer course, as i have been unemployed because of a mental health problem for 14 mounths i cannot see how this is possable.

[tomterm8]

"National Credit Register and Computer Centre"

Gav

 

This name borders on the dishonest. The National Computer Centre (NCC) is an internationally recognised security and telecommunications centre, originally set up to do top secret technology research and development (read: spying) in the cold war.

 

AFAIK, The National Credit Register and Computer Centre has no relationship with the NCC.

[tomterm8]

Um... it's too small, can't read it:)

[lenny100]

Um... it's too small, can't read it:)

 

 

can you tell me how to make it larger?

[Having_A_Knightmare]

put it in photo bucket and post the link

[lenny100]

done

[lenny100]

bump

[tomterm8]

bump

 

it SEEMS like they have made a mjor blunder, since (ahem) they've got (a) scribbled all over the total credit, (b) got the total amount payable wrong, and they also seem (from what i can read) to have got the monthly repayments wrong.

 

but I would post this up in the consumer credit agreement thread, because the rules may be different for a non-commercial agreement.

[ruralgirl]

Hope you don't mind me bumping this thread but I have some dealings with this outfit too.

 

I was doing a course with Scheidegger and they stopped returning coursework, I resubmitted it (twice) and I never got it back marked so I stopped paying. Thought that might provoke a response. I got a couple of letters from Career Development Finance Ltd. but I ignored them. Then I got one from BST Credit offering me reduced payments and a complete restart to the course. This I accepted and started paying them £40 a month but NO COURSE. I stopped paying again and got a letter 12 months later from The Credit Information Bureau offering me exactly the same, £40 a month payments and a complete restart of the course.

 

I declined and got a threat of court action from them. I then asked for a copy of my agreement (not a proper CCA request, I wasn't a CAG member then) and heard nothing more until today.

 

Letter from The Credit Information Bureau saying their client Career Development Finance Ltd (formerly BST Credit Ltd) will accept my request to cancel upon payment of a cancellation fee of £75. If I pay within 7 days the full balance will be cancelled. They then thank me for settling this matter out of court so that the credit default can be removed.

 

Now I'm totally confused.

 

My agreement was with Career Development Finance - I was contacted by BST Credit after I stopped paying (how can they be the former company?)

 

I have never asked for the agreement to be cancelled, I asked for a refund under the supply of goods and services act at the same time as I asked for a copy of the agreement.

 

I've never had a default notice.

 

Please can somebody help me sort out this bunch of muppets.

[ruralgirl]

Just to add, sorry.

 

The Credit Information Bureau (Hitchin) look to be a bit dodgy. They seem to be impersonating a 'real' company but this certainly isn't them.

 

The Credit Information Bureau

 

Surely this isn't right.

[lenny100]

just had a smiler letter my self saying i could go on with a course for £ 40 per month after they have had legal advice, sound like i am on a identical path to you

by the way put their post code into google earth etc. and have a look at their "OFFICE"

[ruralgirl]

Yeah, looked at the "office".

 

Not sure to do with this one and hope someone will give me some advice.

 

I've found my copy of the credit agreement with Career Development Finance Ltd. and I have to admit it seems to be okay. It's headed Credit Agreement Regulated By The Consumer Credit Act 1974 and has all the prescribed terms (I think), only things missing are description/production code (so not 100% specific what it's for) and the agreement number. The figures are correct though.

 

Should I risk sending the DCA a CCA request also asking for a statement of account, default notices and Deed of Assignment and hope their filing system isn't as good as mine?

 

or

 

Should I accept their offer to write off the balance, remove all defaults so long as I pay £75 admin fee (that's the stumbling block).

 

This DCA is not hassling me at all and I can't help wondering why. I still owe them £1300+ so why have they offered to write off the balance instead of aggressively chasing me for the debt?

 

Please, any advice would be appreciated.

[ruralgirl]

Anyone?

[lenny100]

Yeah, looked at the "office".

 

Not sure to do with this one and hope someone will give me some advice.

 

I've found my copy of the credit agreement with Career Development Finance Ltd. and I have to admit it seems to be okay. It's headed Credit Agreement Regulated By The Consumer Credit Act 1974 and has all the prescribed terms (I think), only things missing are description/production code (so not 100% specific what it's for) and the agreement number. The figures are correct though.

 

Should I risk sending the DCA a CCA request also asking for a statement of account, default notices and Deed of Assignment and hope their filing system isn't as good as mine?

 

or

 

Should I accept their offer to write off the balance, remove all defaults so long as I pay £75 admin fee (that's the stumbling block).

 

This DCA is not hassling me at all and I can't help wondering why. I still owe them £1300+ so why have they offered to write off the balance instead of aggressively chasing me for the debt?

 

Please, any advice would be appreciated.

 

 

sounds like they know they cant win why else are they willing to wright off £1200+ pounds?

[ruralgirl]

Thanks lenny100, I know you are in the same position with this DCA. I don't know why they are doing what they're doing, this is what's weird.

 

I had NCO on my back over a Capital One debt and they were aggressive. Sent them a couple of Curlyben's letters and they appear to have passed it back to Crap One. I've since followed all the correct procedures and am filing the N1 in court next week for charges + CCI.

 

This DCA (The Credit Information Bureau) don't fit the usual pattern of things. I do owe them over £1300 and if they have a copy of the agreement I have then they can enforce the debt. Why the hell would they offer to write off £1300+ and offer to remove all defaults from my credit file for an admin fee of £75?

 

That is my problem, when you are on benefits, that £75 might as well be £75,000, fact is, I don't have it.

 

What don't they want to pursue this? What have they got to hide?

 

I sincerely hope that someone can shine a little light on what's going on here.

 

If someone thinks I should eat bread and jam for a few weeks and pay these buggers off then please say.

 

Lenny100 and myself both know however that the courses we signed up for were crap and that we could have a case for a full refund of what we've already paid under the supply of goods and services act so PLEASE can anyone help us out.

 

Ta in advance.

[ruralgirl]

I have decided not to take up their offer - why wouldn't they be chasing me if they have an enforceable agreement?

 

I would like the credit agreement, deed of assignment, statement of account and default notices among other things. Would I get all these if I S.A.R. them or do I need to send a CCA request and S.A.R?

[ruralgirl]

An update after I sent The Credit Information Bureau a S.A.R. saying I wanted all data they hold. I received a reply today.

 

They say that all requested correspondence requested has been sent to me previously ??? I have had NOTHING apart from a few threat letters demanding payment. They also confirm no data has been passed to 3rd parties and that my outstanding balance has now been cancelled. They also say my credit rating is unaffected and they returned my 10 quid.

 

I am tempted to accept the situation but my OH thinks I should push for a refund of what I've already paid under the Supply of Goods & Services Act. Any thoughts?