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Morning all 
ya
Just thought i'd give a bit of an update to my history and recent events. Basically, in a nutshell a few years ago (2005-2006) I was the victim of ID fraud whereby several accounts were opened using my name and date of birth, but at an address i'd never heard of let alone lived at. Anyway, the crux of this was around 20 accounts and £100-£150k of debt built up in my name, yet nothing to do with me.
This is what caused me to study and learn all about consumer law, consumer banking, data protection, debt collection guidance and most importantly - what prompted me to start the fight against banks - for you guys! The end result is in fact this shiny new website and forum!
Sooo, what do you do in such a situation? I knew nothing about the CCA or any consumer law back then, however as a result of what was happening to me (stiched up comes to mind) I thought the best thing to do was to actually take the fight to the lender even though it was not my debt. However as part of this, I kept failing security and the lender refused to speak to me - well, so they should (remember it is not my debt) - but if that was the case, why register a load of defaults against me at my address?
I decided nah, and so issued all 3 CRA's with court papers demanding they remove the incorrect link prior to my seeking judgment against them, plus I was looking at suing for libel. Anyhoo - to cut a long story short, I won (without the need for court action) and all the incorrect links were removed from all my credit files, with all 3 agencies. The reason I won so easily, is proof! It is easy to prove you were living somewhere else, however the DCA's at the time never thought of this when they called me a liar and said their clients were correct, and that I owed this money! So off went council tax bill for that year (i.e. 2005/2006) proving my address to be elsewhere - hey presto - job done!
Then, in January 2010 Equifax thought they would be clever and re-add them again so my clean credit file is now a mess again (only with Equifax) - however, this has prompted Fairfax Solicitors in Leeds to write to me demanding I repay £12k within the next 7 days or they will seek to enforce the debt. I say bring it on, but unfortunately I know all too well that this will never get to court quite simply, because I never lived at the address they claim (fookin muppets).
So this thread is for me to show you how Niddy deals with shit that gets thrown at him. I'll attach and copy all documents and all updates, so you can see for yourself how bad these muppets are even when faced with proof that the debt is not linked to me....
It should be interesting reading, being my responses are somewhat unorthadox. That's not saying I am cocky with them, I am assertive and cheeky - yes - but not cocky.
I'll upload the latest batch of letters over the next few days when I get time to think!
Niddygh
ya Just thought i'd give a bit of an update to my history and recent events. Basically, in a nutshell a few years ago (2005-2006) I was the victim of ID fraud whereby several accounts were opened using my name and date of birth, but at an address i'd never heard of let alone lived at. Anyway, the crux of this was around 20 accounts and £100-£150k of debt built up in my name, yet nothing to do with me.
This is what caused me to study and learn all about consumer law, consumer banking, data protection, debt collection guidance and most importantly - what prompted me to start the fight against banks - for you guys! The end result is in fact this shiny new website and forum!
Sooo, what do you do in such a situation? I knew nothing about the CCA or any consumer law back then, however as a result of what was happening to me (stiched up comes to mind) I thought the best thing to do was to actually take the fight to the lender even though it was not my debt. However as part of this, I kept failing security and the lender refused to speak to me - well, so they should (remember it is not my debt) - but if that was the case, why register a load of defaults against me at my address?
I decided nah, and so issued all 3 CRA's with court papers demanding they remove the incorrect link prior to my seeking judgment against them, plus I was looking at suing for libel. Anyhoo - to cut a long story short, I won (without the need for court action) and all the incorrect links were removed from all my credit files, with all 3 agencies. The reason I won so easily, is proof! It is easy to prove you were living somewhere else, however the DCA's at the time never thought of this when they called me a liar and said their clients were correct, and that I owed this money! So off went council tax bill for that year (i.e. 2005/2006) proving my address to be elsewhere - hey presto - job done!
Then, in January 2010 Equifax thought they would be clever and re-add them again so my clean credit file is now a mess again (only with Equifax) - however, this has prompted Fairfax Solicitors in Leeds to write to me demanding I repay £12k within the next 7 days or they will seek to enforce the debt. I say bring it on, but unfortunately I know all too well that this will never get to court quite simply, because I never lived at the address they claim (fookin muppets).
So this thread is for me to show you how Niddy deals with shit that gets thrown at him. I'll attach and copy all documents and all updates, so you can see for yourself how bad these muppets are even when faced with proof that the debt is not linked to me....
It should be interesting reading, being my responses are somewhat unorthadox. That's not saying I am cocky with them, I am assertive and cheeky - yes - but not cocky.
I'll upload the latest batch of letters over the next few days when I get time to think!
Niddy
gh
nah 
^ ..it certainly will make interesting reading, and perhaps we may all learn something along the way.!! :-bd 
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