"warning" Requesting Credit Ref Gave Me Nothing But Trouble !!

[DOBBYDOG]

Ok ! Here goes, i signed up with experian for their 1 month free trial. Thought i would get my free trials worth and checked it regularly. Anyway, since signing up i have got an out of the blue letter from Capquest re- a old debt with capital 1. Having checked my credit reference again this am, i am astonished to find a default from capquest for the sum of just over £500. This was'nt there a week ago ! They say on the report that the default occured in 2005 (not sure if this is right). Are these CRA's working hand in hand with the DCA's or what ? Additionally, i have been bombarded with e-mails and letters offering me quick loans. Needless to say i'm absolutley fuming over this (the fact that the CRA's appear to be responsible ). I shall be putting forward a CCA requst to capquest but i also want to add the fact they need to remove this default. Does anyone know if i can do this ? Does anyone have a suitable template which includes both requests ? Has anyone else had this problem. Sorry for all the questions but just when i seem to be getting in control of my financial worries !

Most of this debt is proberbly down to unlawful charges anyway so i will def be pursuing that one ! Lets hope they've just dropped themselves in it !!

[detectall]

Hi DD,

 

What is the nature of the debt and how old is it?

[PriorityOne]

Yes, they do work hand-in-hand. One of them owns Westcott DCA for a start.

[detectall]

Free credit check = DCA on your back then..... bl**dy typical!!!!

 

Reminds me of the saying 'You never get something for nothing'

[DOBBYDOG]

Hi DD,

 

What is the nature of the debt and how old is it?

Hi there. I did'nt know what it was for at first but it says on the letter capquest frmly capital one which is a credit card debt. I had'nt heard from them for absolute ages so dont know if what says on credit reference is true that default occured in 2005 although has only been put on in the last week since signing with experian. I'm not disputing i had a credit card with cap 1 just ded annoyed now and gutted. I'm gunna take them to the cleaners for the charges as i'm sure it will clear the debt. Anway thanks for replying and any further help will be gratefully received. x

[DOBBYDOG]

Free credit check = DCA on your back then..... bl**dy typical!!!!

 

Reminds me of the saying 'You never get something for nothing'

How studid am i ?

[DOBBYDOG]

Yes, they do work hand-in-hand. One of them owns Westcott DCA for a start.

Unbeleivable ! and then to have the cheek to pass my details onto loan companies !!!! This one's from capquest though not Westcott but hey ! who knows who they deal with !

All comments very much gratefully received. x

[detectall]

DD,

 

This link is so you can CCA the DCA, use letter N, enclose £1.00 postal order and don't put your signature on the letter. They have 12 working days to respond at which point the debt is in dispute. After another 30 days they are comitting a criminal offence if they continue to pursue the debt whilst it is in dispute assuming they have not replied.

Creditors and DCAs - Letter Templates & Budget Planner

 

The next link shows how to S.A.R - (Subject Access Request) the original creditor, enclosing a £10.00 postal order, don't use your signature on the letter. They have 40 days within to reply. This will show what was owing when transferred to the DCA to have any unlawful charges removed.

 

http://http://www.consumeractiongrou...ction-act.html

 

Send them off via recorded delivery, USE POSTAL ORDERS NOT CHEQUES..don't want them having any more financial details on you.

 

Hope this helps.

[Allwood]

One of the big tree CRA's was owned by Gus.

[DOBBYDOG]

DD,

 

This link is so you can CCA the DCA, use letter N, enclose £1.00 postal order and don't put your signature on the letter. They have 12 working days to respond at which point the debt is in dispute. After another 30 days they are comitting a criminal offence if they continue to pursue the debt whilst it is in dispute assuming they have not replied.

Creditors and DCAs - Letter Templates & Budget Planner

 

The next link shows how to S.A.R - (Subject Access Request) the original creditor, enclosing a £10.00 postal order, don't use your signature on the letter. They have 40 days within to reply. This will show what was owing when transferred to the DCA to have any unlawful charges removed.

 

http://http://www.consumeractiongrou...ction-act.html

 

Send them off via recorded delivery, USE POSTAL ORDERS NOT CHEQUES..don't want them having any more financial details on you.

 

Hope this helps.

Thankyou so much for that ! i'll get on it today. Do i need to send the SAR at the same time as the CCA ?. Many thanks. x

[DOBBYDOG]

One of the big tree CRA's was owned by Gus.

Wish i knew then what i know now !! Oh well just about calming down. Just have to go through the motions again !!!! x

[detectall]

DD,

 

I would. The CCA goes to Crapquest and the S.A.R - (Subject Access Request) to Crapitol One.

 

Crapquest are obliged to send you a statement of account (will show charges added since they took it over), compare it to the statement as part of the SAR from Crapitol One and you will probably find a discrepancy. Could be unlawful charges that you can have removed.

 

Think my 'r' key keeps kicking in whenever I type in a creditor or dca....very strange.

[DOBBYDOG]

DD,

 

I would. The CCA goes to Crapquest and the S.A.R - (Subject Access Request) to Crapitol One.

 

Crapquest are obliged to send you a statement of account (will show charges added since they took it over), compare it to the statement as part of the S.A.R - (Subject Access Request) from Crapitol One and you will probably find a discrepancy. Could be unlawful charges that you can have removed.

 

Think my 'r' key keeps kicking in whenever I type in a creditor or dca....very strange.

Yep, i think the 'r' is so much more fitting and suited ! Thanks again for the info. Feel better now i've sounded off a little. x

[col123]

Hi sorry to hear of your troubles i was going to request a copy of my credit record but not sure wether to bother now,ive been trying hard to fix my money problems and im just about done,however would it just be opening a can of worms ? :-?

[mrmarmite]

bugger, I set up credit thing last week, I shall wait with amusement to see if any threat letters show up and post here accordingly

[DOBBYDOG]

Hi sorry to hear of your troubles i was going to request a copy of my credit record but not sure wether to bother now,ive been trying hard to fix my money problems and im just about done,however would it just be opening a can of worms ? :-?

Hi there. Yep i would def think carefully about doing it now. Especially if you may have something which might just pop up. I suppose some would say its just a coincidence, but i dont think so ! I never receive letters or e-mails like that and all of a sudden hundreds of them and thats no joke, as soon as signing up to experian. I intend to ring experian on Tuesday to see what they have to say. If you still want to go ahead i def would'nt go with the free monthly trial, i would contact the other one equifax and do it by snail mail ( the £2 way ) and not online as this gives them access to your e-mail and anyway they dont offer a free trial so less likely to mess with you ( i suppose anyway ). All opinions still gratefully received as knowledge not very good ( learning fast though ! ) xxx

[Having_A_Knightmare]

i have been bombarded with e-mails and letters offering me quick loans

 

I got a CCJ last year and I get a loan letter every other day

 

bugger, I set up credit thing last week

 

Same here just, will have to wait and see

[DOBBYDOG]

bugger, I set up credit thing last week, I shall wait with amusement to see if any threat letters show up and post here accordingly

Hi there mrmarmite, keep us posted. will be interesting to see if you get the same. Was it with experian you signed up for as i think these are the culprits as they are offering free trial. Anyone know any different though please comment. Many thanks. xxx

[col123]

cheers dobbydog ill keep watching your thread and see what transpires,good luck col x

[sosumi]

Does anybody think an S.A.R - (Subject Access Request) to all 3 Credit Reference Agencies would show more than they put on the normal report?

Also - can you do the same with the Land Registry?

I know you can get (Land Registry) house info. - we've just done it - but what about the details of other people accessing your information?

[mrmarmite]

yes dobbydog creditexpert.co.uk. me ok with email coz i gave em me hotmail addy, letters from dca's should i get any, easy to sort aswell, good old CCA

[DOBBYDOG]

Does anybody think an S.A.R - (Subject Access Request) to all 3 Credit Reference Agencies would show more than they put on the normal report?

Also - can you do the same with the Land Registry?

I know you can get (Land Registry) house info. - we've just done it - but what about the details of other people accessing your information?

Can we actually SAR the CRA'S and what info would this give us ? sorry if sound a bit thick. x

[detectall]

In theory information from a SAR request should show the names of companies who have accessed the register of the individual concerned.

 

By applying for the credit check, the individual is giving permission for their details to be gathered and more importantly (but not made clear by the CRA) used to update the register which is accessed by DCA's.

[patrickq1]

Department for Constitutional Affairs -

a lot of information does come from your data with councils you can try to put a stop to this by writing to the councils

[patrickq1]

dont forget the goverment are due to put before the house some more bills to limit the FOI a so everyone should keep their eyes peeled for any snippets of info sorry for hijacking your threads