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  #11  
Old 25-10-2008, 08:18 PM
spark1 spark1 is offline
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Here Goes !

1st three letters all arrived together from booker !







We sent the next 2 letters ! not recorded delivery, did not realise what kind of people we were dealing with, 1st time experience and shocking






Got a reply from barclays







Got all the e-mails regarding experian filed aswell, the ones where they are refusing to remove the untruth information regarding the barclay loan because booker management say it must stay with the unauthorised unrecorded searches carried out without my wifes consent

Thanks Spark

Last edited by spark1 : 25-10-2008 at 08:24 PM.
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  #12  
Old 25-10-2008, 09:06 PM
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Send an email to the board of directors copy them all in and then copy in your local news paper.

This is dsicusting behaviour, Sold or not Bookers are chasing you as a past
Barclays customer.

Barclays!!! you would think would have some concern of this .

But heres the icing on your cake

If your address wasnt the one on the sales sheet to Brookers, then why are Barclays writting to you there, to advise your account has been Sold and! on the same date that Brookers has 20/3/2008

Someone is telling big porkies and its Barclays.

You have your evidence now kick them hard with it.
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Last edited by Hocuspocus : 25-10-2008 at 09:17 PM.
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  #13  
Old 25-10-2008, 10:05 PM
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Looks like Bookers are flying in the wind and their tracing service have come up with the wrong person. i would be inclinde to drop them a kine and mention that you= are now handing this over to the police as you suspect F R A U D. You can prove they person they are seeking is not you/wife, so it must someone who is using your ID. If they continue to harass you regarding this you will be seeking damages through the Courts.

I would also include Barclays letter to you stating that Bookers have made an error in their tracing. If they choose to continue and disregard Barclays letter it will be to their detriment.
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  #14  
Old 25-10-2008, 11:03 PM
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teh notice of assignment IIRC was sent by Bookers on Barclays letterheaded paper, so I'm not convinced Barclays are heavily involved in this.

IMHO Bookers have done a trace and wrongly come up with your name and address (and probably a dozen more same name different addresses) so they are determined one of the the search subjects is going to pay them.
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  #15  
Old 25-10-2008, 11:37 PM
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I would also say that Barclays are inot nvolved with this mess as it was Barclays that passed information about "a debt" of someone with the same name but a completely different address....Bookers are the ones who traced "the debt" to you wrongfully and are solely responsible for all that has happened to you .since they "traced it" to you.
It is Bookers that allege you owe the debt not Barclays, and they have broken every guideline for pursuing you wronfully for that debt.
Next step of action is a clear factual short sequence of events to the OFT ....wrongful pursuit of a debt and severe harrassment.

The OFT can and do take action under section 40 of the Administartion of Justice Act ,.....and as I have said you have an extremely strong defamation claim against both Bookers and Experian.

sparkie

Last edited by sparkie1723 : 25-10-2008 at 11:39 PM.
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  #16  
Old 25-10-2008, 11:39 PM
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I would agree with Tam. Barclays have a corporate font and layout to its letters. You will note that the assignment letter has been typed in a different font and the layout does not conform to Barclays standards
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  #17  
Old 25-10-2008, 11:44 PM
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Keep your thoughts coming

Heres the 1st e-mail !

Date: 06 June 2008
Subject: Re: *********

I have also noticed that " Booker Management Services " have carried out
three unathorized searches on the following dates 20/03/1970, 12/03/2008,
19/10/2007.

I want these searches removed from my credit report, these searches was
never authorized by myself and I have never heard or had any dealings whats
so-ever with the named company

Thanks

Sparks wife

date 20/03/1970 is a spelling error should read 20/03/2008


experians reply !

----- Original Message -----
From: "CreditExpert" <CustomerService@CreditExpert.co.uk>
To:***************
Sent: Thursday, June 12, 2008 8:41 AM
Subject:*********


Our Ref: ***********

Dear sparks wife

Thank you for your email, which we received on 06 June 2008.

In view of your comments about the searches recorded by Booker Management
Services, I am writing to them for you. This is because I cannot amend
your report without their consent. I will let you know what they say as
soon as they reply.
I would also assure you that any searches marked as unrecorded enquiries
are searches made for non-lending purposes such as a quote or management
of an existing account. As any other lenders searching your report cannot
see these searches they have no impact on your credit rating.

Kind regards

Mr Mark Bennett
Senior Consumer Service Officer
CreditExpert

Experian Limited, a company registered in England and Wales with
registered number 653331 and whose registered office is at Talbot House,
Talbot Street, Nottingham, NG80 1TH


asked experian again !

----- Original Message -----
From: sparks wife
Date: 17 August 2008
Subject: ******

Hi Mark Bennet

Have you not had a reply yet from Booker Management ? On the 11th July 2008
I made an Official Complaint to the Information Commisioner's Office
regarding the incorrect linked address's I have never lived at or been
connected with and made a complaint about the unathorized searches that
appear on my credit report. The Information Commisioner's Office are dealing
with it now and require additional information from myself. I have now sent
a letter to GE Capital Bank. Since January 2008 when linked address B12 was
put on my report I have been harassed by Debt Collection Agencies causing me
great distress and anxiety. I have kept all correspondence relating to this
harassment and will take further legal advice to establish who is libel for
this and take appropriate legal action. No company as the right to cause me
great distress or anxiety and not be libel for their incompetence of
handling my personal data.

Thanks sparks wife


experian reply

Our Ref: ******

Dear sparks wife

Thank you for your email, which we received on 17 August 2008.

I can confirm that we have not yet received a response from Booker Management Services and that we are chasing this up for you. I would also assure you that as soon as we receive a reply from them we will let you know what they say.

With regards to the linked address recorded by GE Capital, I trust that you are in receipt of our letter dated 3 June 2008 stating that we had contacted them and they advised that the information was correctly recorded. We are therefore unable to remove this information from your credit report.

Kind regards

Mr Mark Bennett
Senior Consumer Service Officer
CreditExpert

Experian Limited, a company registered in England and Wales with registered number 653331 and whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH


ask experian another one !

----- Original Message -----
From: sparks wife
Date: 18 August 2008
Subject: ************

Hi Mark

Please can you forward me the proof what GE capital advised to you, that
links me with the address you have put on by credit report.

Thanks sparks wife


experian reply

Our Ref: *******

Dear sparks wife

Thank you for your email, which we received on 18 August 2008.

I can confirm I am arranging for a copy of the reply we received from GE Capital to be sent to you in the post.

Kind regards

Mr Mark Bennett
Senior Consumer Service Officer
CreditExpert

Experian Limited, a company registered in England and Wales with registered number 653331 and whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH


Never received their copy of proof from GE Capital, will post letter I got myself through complaining

Back to experian & brooker management !

ask experian again !



experian reply

----- Original Message -----
From: "Client Queries" <CustomerService@CreditExpert.co.uk>
To: **************
Sent: Monday, September 29, 2008 1:29 PM
Subject: **************


Our Ref: ****************


Dear sparks wife


Further to our recent correspondence, I have been contacted by Booker Management Services (regarding P3, P4 and P5). They have confirmed that the details we hold are accurate and have requested that we retain the information on our database. Unfortunately I am unable to amend this information without the authorisation of the company in question.

The 'Notice of Dispute' will remain on your report for 28 days. It will then be removed, unless I receive further notification from you:

"THE CONSUMER HAS DISPUTED THE ACCURACY OF THIS ENTRY AND WE HAVE THEREFORE ASKED THE PROVIDER TO INVESTIGATE IT. GIVEN THAT THIS DATA IS DISPUTED, PLEASE TAKE CARE IF MAKING AN ASSESSMENT OF ANY KIND THAT MAY INCLUDE THIS DATA."

Booker Management have added the following statement:

"These entries refer to a Barclays Bank Resolve / Consolidation Loan for 15,000 lent on 17/12/04 account reference ******. Notice of default sent 31/08/05 (Barclays Bank PLC, 63 Stamford New Road, Altringham, WA14 1DR). The debt balance of 15,***.11 was sold to HLCF Ltd by sale agreement dated 09/01/07. Booker Management Services Ltd are acting as managing agents for HLCF Ltd, registered in the Isle of Man"

If you have any further queries or wish to discuss this further, may I suggest you contact the company concerned direct at the following address:

Booker Management Services Ltd: Booker Montague, Zealley House, Greenhill Way, Newton Abbot, TQ12 3ZH

Kind regards

Mr Tom Glover
Client Queries Administrator
Client Queries

Experian Limited, a company registered in England and Wales with registered number 653331 and whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH


EXPEMA

tell experian again

Hi Tom

The information is incorrect, I have never had any dealings or been
connected with Barclays Bank whatsoever. The complaint I made to the ICO
regarding Experian, GE Money and Brooker Management regarding incorrect
information on my file is still on file and open with the ICO and all
correspondence is still being sent to the ICO regarding Experian in my
Complaint. I believe GE Money have informed Experian to remove incorrect
linked addresss. Now I will be following up a with letter to Brooker
Mangement, I have a letter from Barclays Bank Stating they did not give my
address to Brooker Management. Please forward me the Proof Experian hold
regarding the Brooker Management Statement, under tthe Data Protection Act
Experian are breaking all Rules if you have NO to Proof and are going on
Word of Mouth like Experian did with GE Money. You may be interested to know
I have been harassed by Debt Collection Agencies and they have caused me
great distress and anxiety. I have kept all correspondence relating to this
harassment and will be take further legal advice to establish who is Libel
for this and will take court action to claim Compensation. ThePlease Do Not
Remove my Dispute on this matter from my Credit File.

Thanks sparks wife


ask experian again

----- Original Message -----
From:************
To: ****************
Sent: Thursday, October 16, 2008 8:21 AM
Subject: *****************


Hi Tom

You have not replied to my previous e-mail, the ICO will be informed as
apart of my complaint. I have sent a letter "recorded delivery "to
"Booker Management Services Ltd: Booker Montague, Zealley House, Greenhill
Way, Newton Abbot, TQ12 3ZH "
The letter appears to be on its way back to me. Experian are holding and
displaying "INCORRECT INFORMATION " about me, so once I receieve the
letter it will go in the post to the ICO as part of my case, I am spending
time and money on this matter and intend to push for compensation through
the courts, you have no right displaying " INCORRECT INFORMATION about me,
please forward the proof of the following entry so I can forward it on to
the ICO to prove Experian are not LIBEL, because if you " can not prove it
then dont dispaly / print it "

"These entries refer to a Barclays Bank Resolve / Consolidation Loan for
15,000 lent on 17/12/04 account reference *********. Notice of
default sent 31/08/05 (Barclays Bank PLC, 63 Stamford New Road, Altringham, WA14 1DR). The debt balance of 15,***.11 was sold to HLCF Ltd by sale agreement dated 09/01/07. Booker Management Services Ltd are acting as managing agents for HLCF Ltd, registered in the Isle of Man"
I look forward to your reply and proof of infromation displyed

Thanks sparks wife


experian reply

Our Ref: *********

Dear sparks wife

Thank you for your email, which we received on 16 October 2008.

The accuracy of the information we hold is very important to us. Lenders (who provide most of the information on your report) use it to help them decide who to give credit to and therefore mistakes are not in our interests or theirs. We cannot check the accuracy of each piece of information we receive but we do carry out many important checks. These include whether names and addresses are complete and correct and whether monthly updates to existing credit accounts are consistent with information the lender previously sent to us. We report any discrepancies back to the lender.

We actively encourage people to check their own credit reports regularly and to tell us if they have any concerns about the information we hold. If any mistakes are brought to our attention, we contact the information provider immediately to correct any mistakes as soon as possible. We also produce free advice guides, under our consumer education programme, to help people understand and look after their credit histories.

Please be assured that we will act on any request made by the company recording this information or by the Information Commissioner to amend your credit report accordingly.

Kind regards

Mr Benjamin Wager
Consumer Service Officer
CreditExpert

Experian Limited, a company registered in England and Wales with registered number 653331 and whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH


ask experian again

----- Original Message -----
From: **********
Date: 17 October 2008
Subject: *********

Hi Tom

The information Experian is displaying regarding Bookers Management
Reference to the entries concerning Barclays Default Loans etc are UNTRUTHS
and DAMAGEING to myself, I have asked Experian "yourself" to remove these
UNTRUTHS and your refusing, I sent a letter to booker Management Recorded
Delivery regarding this matter, the letter was returned to myelf today, now
as far as I am concerned Experian are acting unfair and not within the Data
Protection Act, this is causing me Great Distress & Anxiety Knowing UNTRUTHS
are being Written & Displayed about myself for others to see, this is
DEFAMATION. I will be seeking further Legal Advice reagarding the matter to
see who is Libel for this and if a court case would resolve the matter once
and for all.

Thanks sparks wife


experians final answer to me

Our Ref: **********

Dear sparks wife

Thank you for your email, which we received on 17 October 2008.

I would suggest that you contact the Information Commissioner to see if they are able to help you in this instance. You can find out more about the Information Commissioner at the following web address:

http://www.ico.gov.uk

Kind regards

Mr Benjamin Wager
Consumer Service Officer
CreditExpert

Experian Limited, a company registered in England and Wales with registered number 653331 and whose registered office is at Talbot House, Talbot Street, Nottingham, NG80 1TH


Well thats it, this lead to the letter I posted at the beginning of this thread

Thanks Spark
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  #18  
Old 26-10-2008, 12:08 AM
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send a email to john.varely@barclays.com
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  #19  
Old 26-10-2008, 12:16 AM
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Hocuspocus Hocuspocus is offline
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IMHO the fact that Booker sent a letter in Barclay's headed and Barclays allow such actions to risk thier name being used in such flippant ativity. Means Barclay's are just as much in the firing line.

If Barclay's allow fools to play with their business name then they must pay the consequences.

Edited a bit late but Just had to add this as gobsmacked!

We cannot check the accuracy of each piece of information we receive but we do carry out many important checks.
In that case they shouldn't be holding anything they can't confirm as 100% accurate.

Surely this email can be used for future CRA bashing.
I wouldnt mind using it when i need it.
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I will not be on the internet after the end of January 2009, so will not be around as much as usuall.
Anyone who wants to email me still go ahead but i won't be checking daily, more like weekly up the library.

" the cages we live in are often of our own making"

time for a life style change

Last edited by Hocuspocus : 26-10-2008 at 12:44 AM.
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  #20  
Old 26-10-2008, 08:08 PM
spark1 spark1 is offline
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Thanks for all advice
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