help required

[ccbaker]

[ccbaker]

i have never had an account with studio or express gifts some one has used my details an obtained stuff from my address im sure i would be aware of such had i did.it i have raised disputes on all my credit profiles relating to this matter but since doing.so i have suddenly recieved this restons letter i spoke to a guy at restons explaoning i had a ill brother who took drugs an was arrested for fraud around that time so he might have done this account to obtain clothing etc . we kicked hi. out for bring alsorts of ballifs etc to our door .

this an another company have contacted me recently

i dont own a bank account an have been bank free fror going on 10 years my wife has a bank so it suits me not to have any legal ailments etc

[ccbaker]

can you advise.me on steps i need to do to aid resolution of this debt i am unemployed an only get very low income low rate incomesupport carers allowance i look after my very ill brother

least we need is these thugs at the door

[jaguarsuk]

On the enclosed forms tick box D and then in Box I add "Signed Credit Agreement, Default Notice, Notice of Assignment & Deed of Assignment". This goes to the Solicitors, Restons.

CCA Request to Cabot with the £1 Statutory fee and mark the cheque/postal order clearly with "CCA 1974 STATUTORY FEE ONLY."

If they file a claim you'll be sending a different letter to the solicitors on receipt of the claim form and that would be the stage you'd provide them a copy of the CCA letter too.

Vary your signature with an extra line or dot when signing both as we wouldn't your signature finding it's way on to a blank credit agreement conveniently would we?

Next go on to the Subject Access Request Letter guide to send a letter to Studio and you want a copy of the signed Credit Agreement, Default Notice, Notice of Assignment, Deed of Assignment, full history of the account you held, any telephone recordings or logs held and any other information they hold of you. They have 30 days to comply with this request.

Take copies of all letters and the cheque/postal order for your records.

If you have previously had fraud and believe this to be an extension of that then you should report it as such to ensure it's linked to the original issues.

Also in addition to the Subject Access letter make a letter of complaint to Studio of Fraud.

[ccbaker]

got this reply from restons today

[jaguarsuk]

got this reply from restons today

Just need to wait and see what they dig up now.

[ccbaker]

received this of cabot today in regards to the cca asking me to give them proof im me

[jaguarsuk]

received this of cabot today in regards to the cca asking me to give them proof im me

Under the Data Protection legislation they can ask for proof of identity.

[Amethyst]

But they'd happily put a court claim in against you...... anyway, it's possible the original creditor hasn't provided documents because the details differ - so I would, particularly as you believe this may have been fraud or mistaken ID, just send a scan of your ID to Cabot.

Did you hear anything back about the SAR you sent to Studio ?

[jaguarsuk]

But they'd happily put a court claim in against you.

That was my thought exactly.

ccbaker why did you send an SAR to Cabot & did you send the CCA Letter to them?

[ccbaker]

not heard from studio gunna post off q copy of my passport to cabot

[ccbaker]

ok recieved a letter from studio with a credit agreement with a blank signature they state as its a internet agreement there is no signature to provide..

they gave me a break down of items that was taken out an the amount of the balance has been increased through them applying charges to the account on regular basis the original amount was 118 pound owed

[ccbaker]

they also sent my postal order back to me

[ccbaker]

the credit agreement has also been reconstituted they as as it was applied for over the internet the relavant boxes would need to have been clicked

[jaguarsuk]

the credit agreement has also been reconstituted they as as it was applied for over the internet the relavant boxes would need to have been clicked

Okay I think this is the point you need to write back to them and make them aware you have never had an Express Gifts account and the purpose of you requesting the CCA was to see the signature used to obtain the credit.

I would also make a report to Action Fraud and send the reference number of that report in the letter too.

Copies to Restons.