I was called today 01535 358094

[di30]

Re: I was called today 01535 358094

I received an email the other day from Experian in response to my email.

A letter sent from loans.co.uk dated 2007 I did not receive until this year, the neighbourly street received this letter, bless her, she is elderly and the letter was posted to her, and she said she was decluttering and came across an old pile of old letters, they were put on the side, forgotten about, boxed away then up their loft.

I think it was Tuttsi who received the same letter dated at the same year, and I could have requested for a free report/as 12 months free with Experian something like that, well anyway, I raised my concerns with them and told them I am ex directory, tps registered and still receive cold calls to the day now.
Yes I do report to the TPS complaints, but some numbers are withheld, so its probably down to this - why we still receive cold calls, etc..........

Here is the email received from Experian a few days ago.....





Our Ref: E

Dear Mrs

Thank you for your email, which we received on 07 March 2012.

I understand that you may have been a victim of identity fraud and have received a letter from Loans.co.uk for a loan you did not apply for. This query has been passed to the Victims of Fraud team so we can assist you. Our website contains extra information about identity fraud that you may find helpful. You can find this by visiting Identity Fraud - ID Fraud Protection - Experian UK

Here at Experian the Victims of Fraud team handles more than 10,000 cases each year. We work closely with both companies and fraud prevention agencies to resolve cases of identity theft to help ensure that the impact upon your credit history is as small as possible, so you can rest assured that you are in safe hands.

- I recommend you get a copy of your credit report, as this will show if there have been any fraudulent credit applications in your name. You can get a free report if you use the attached form. Please make sure you include your full name, date of birth, current address and any other addresses you have lived at in the last six years on your application.

Please return your completed form with the following supporting documents:

Two original documents dated within the last three months, showing your current address. We accept documents such as bank statements, utility bills, mortgage statements, council tax bills, credit card statements, mobile phone bills. We cannot accept photocopies and faxes.

AND

A photocopy of your passport, birth certificate or driving licence (we cannot accept provisional licences). You do not need to send the original.

- We will return your original documents to you once the report is processed. As you may have been a victim of fraud, we need to take steps to protect your identity and these security measures are in place to protect your identity.

- Once you have seen your Experian report, please let me know if any fraudulent information appears in your name so I can help you. Please quote your unique report reference number when you contact us and specify the entry or entries that you believe are fraudulent.


PROTECTING YOU & YOUR INFORMATION

As it appears somebody has obtained your personal details and has used these fraudulently it is important that you take further steps to ensure that your details are protected from further misuse.

- You can apply for CIFAS Protective Registration, this will help to protect your identity through all three credit reference agencies. For a small fee, CIFAS can add a warning flag to your details to let lenders know that somebody has used your identity fraudulently. You can register online at CIFAS - Welcome to CIFAS or by calling 0330 100 0180 (Mon-Fri 8am-8pm, 10am-1pm Sat).

- We offer a service where you can add a password to your credit report as an added security measure. I have attached a form for you to complete and return to me should you wish to do so. I am unable to take a password over the telephone but am happy to do so by e-mail as you may find this quicker.

- If you are concerned about identity fraud, why not take a look at our ProtectMyID service?

With ProtectMyID, you will get peace of mind protection against Identity fraud. We will monitor your financial records and let you know whenever someone applies for a credit card, loan, contract phone or any other form of credit in your name ? and if it?s a fraudulent application, a dedicated team will help you sort everything out.

You will also get:

- Extra peace of mind with optional free fraud insurance provided by ARC, underwritten by AXA
- Free risk assessment quiz to see how at risk you are from identity fraud
- An Experian credit report to see your financial status
- Online help and advice on identity protection

Visit Identity Fraud - ID Theft - Experian Protect My ID
to learn more.

Kind regards


Fraud Resolution Specialist

Customer Support Centre
Experian

Re: I was called today 01535 358094

So now the thread has descended into women comparing their pussies. :tinysmile_aha_t:

Re: I was called today 01535 358094

She is a Ragdoll

The reason I ask is that my Tuttsi's daddy was Leroy and is a Rag Doll and mum was part persian/birman you can see her in my avitar. She also has lovely blue eyes.

Re: I was called today 01535 358094

She is a Ragdoll

Stuffed? :tinysmile_aha_t:

[valeriej43]

Re: I was called today 01535 358094

She is a Ragdoll

[Hurricane Puffrose]

Re: I was called today 01535 358094

looks like a Birman tuttsi!

i only have a moggie!!

Re: I was called today 01535 358094

Look that number up on SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers and you will be able to phone them on an ordinary low cost number.

By the love the kitty in your avitar, what breed is she?

That was the only no on their correspondence,when she got any
lol

[valeriej43]

Re: I was called today 01535 358094

That was the only no on their correspondence,when she got any
lol

Re: I was called today 01535 358094

0844 calls are expensive

So don't use that number.

SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers

[Celestine]

Re: I was called today 01535 358094

HOLY MOLY!! and thats being polite!!!

looks like we have unwittingly stumbled on a ant hill here my dear :tinysmile_hmm_t2:

PMSL......As Tutts said in her first post.............

"Talk About Calling the W R O N G person!!!!!"

Bad luck CMC's, you flew into a Hornets nest!!

Or a pack of bloodthirsty hungry Beagles :beagle::beagle::beagle:

[valeriej43]

Re: I was called today 01535 358094

I have asked her to bring all the details and their resposes here, but shes had very little in writing, and when she had heard nothing for ages,they said she hadnt sent forms in, which she had weeks before,
They never contact her,she always has to ring them, and 0844 calls are expensive

[Hurricane Puffrose]

Re: I was called today 01535 358094

HOLY MOLY!! and thats being polite!!!

looks like we have unwittingly stumbled on a ant hill here my dear :tinysmile_hmm_t2:

[valeriej43]

Re: I was called today 01535 358094

Ok, i will get as much info as possible from my daughter,and start a new thread on debt management and claims, thanks again for your help

Re: I was called today 01535 358094

Exc has just posted this in VIP he found this in the Financial Times - thought i would share it with you all.

BTW I saw this in today's Financial Times:


Probe launched into insurance sales claims

The Ministry of Justice has launched an investigation into claims management companies following a glut of invalid compensation claims filed on behalf of consumers allegedly mis-sold personal protection insurance (PPI).

According to people familiar with the case, the ministry, which regulates the hundreds of claims management companies that have sprung up in the UK in recent years, has received a string of complaints from banks over the issue.

Financial Times research shows that Britain’s banks are now rejecting up to half of all compensation claims relating to mis-sold PPI after a substantial increase in submissions in the past few weeks.

Up to four-fifths of these come via claims management companies, disparagingly dubbed “ambulance chasers”, which have latched onto the issue of PPI mis-selling, flooding consumers with advertisements, emails and text messages urging them to launch speculative claims.

“It’s delaying things horribly,” said one bank executive who asked not to be identified. “The sheer volume of submissions is distracting us from the process of paying out on valid claims.”

PPI emerged as a mis-selling scandal several years ago. But only a year ago did the process of paying mass compensation begin, when the banks gave up a legal fight against the mis-selling accusations.

This prompted a deluge of compensation claims from customers, with large numbers mediated by claims management companies, which demand fees of up to 33 per cent of any money refunded by the banks.

Santander UK said 40 per cent of the claims it was now receiving were invalid, with the proportion at Barclays estimated at 40-50 per cent. HSBC said that of the claims submitted by claims management companies, a third either had no link to the bank, or no PPI policy had ever been bought. Lloyds is dismissing about a third of its claims, while at Royal Bank of Scotland invalid claims are running at about 20 per cent.

Some banks are calling for changes to the way claims management companies are regulated. Among the companies being investigated by the Ministry of Justice are the Claims Advisory Group, The Claims Guys and The Fair Trade Practice, all of which could not be reached or declined to comment yesterday.

Despite the rejection rates, banks are still honouring a large number of claims. In total, the five big banks have earmarked about £6bn for PPI compensation, and paid out a total of £1.9bn to customers
last year, according to the Financial Services Authority.

Lloyds, which made a PPI provision of £3.2bn, said last month that it had already paid out about £1bn. Apart from Lloyds, the largest provisions have been made by Barclays and RBS, which expect to pay about £1bn each.

The high number of invalid claims submitted directly to banks contrasts with the experience of claims processed via the Financial Ombudsman Service, which tends to deal with more serious cases. Over the past year, only about a quarter of PPI mis-selling claims that went through the ombudsman were rejected.

Re: I was called today 01535 358094

We are including Redress Claims on our bulletin to the MOJ showing them what is going with them.

Valerie I would like you to start a fresh thread on this under Debt management and Claims Management Companies so we can help your daughter recover her money. You should include all the relevant information about dates amounts and in chronological order the story so far. Having read on MSE all the complaints your daughter is not on her own and many have been ripped off by them even some of there ex employees have posted up.

My dughter paid £250 for the HX claims,and £250 for the mortgage claim
I will look at the link now,thank you