PRIVATE AND CONFIDENTIAL
Data Controller
Credit Reference Agency
Mailing location
16 April 2009
NOTICE SEEKING FULL DISCLOSURE
Dear Sir/Madam,
RE: Credit File – STRAWMAN (and all derivatives thereof) National Insurance Number – ********* Birth date of Authorised Representative
It has come to my attention that your company may have filed invalid/unverified information in relation to the personal credit history of the legal entity, STRAWMAN (and all derivatives thereof).
Therefore, in the interests of correcting and/or preventing any false information being recorded that might adversely affect STRAWMAN’S credit scoring, pursuant to the Data Protection Act 1998, please find enclosed payment of the appropriate fee and provide me with a full and complete copy of the records that you hold on file within seven (7) days of your receipt of this notice.
Furthermore, I hereby instruct you to request the validation of every reported delinquent debt, in the form of an original bilateral agreement with wet signatures in blue ink and the appropriate proof of indebtedness from every alleged creditor. Upon your receipt of these items they should immediately be forwarded to the mailing location below by recorded delivery.
For the avoidance of doubt, I do not grant my consent, whether express or implied, for your company to disclose any details of STRAWMAN’S personal credit file to any individual, person or corporation, under any circumstances whatsoever, until further notice. Failure to honour this express stipulation may result in the filing of a complaint with the Chairman of the Office of Fair Trading.
Without malice or mischief, in sincerity and honour,
By: Freeman-on-the-Land, commonly known as Michael
Without Prejudice – Without Recourse – Non-Assumpsit
I receive nothing within the stipulated time, so I deliver the corporation that buys and sells false information supplied to them by the credit bandits, an opportunity to cure their dishonour.
PRIVATE AND CONFIDENTIAL
Data Controller
Credit Reference Agency
Mailing location
26 April 2009
NOTICE OF DISHONOUR & OPPORTUNITY TO CURE
Dear Sir/Madam,
RE: Credit File: STRAWMAN (and all derivatives thereof) Address History: MAILING LOCATIONS National Insurance Number: ********* Birth date of Upper-Case: Lower
Following your company’s dishonour of the NOTICE SEEKING FULL DISCLOSURE, mailed to you with a cheque for two pounds sterling enclosed at the above address on 16 April 2009, I hereby serve NOTICE OF DISHONOUR & OPPORTUNITY TO CURE.
Please be advised that the Section 7 of the Data Protection Act 1998 clearly states that:
“(2) A data controller is not obliged to supply any information under subsection (1) unless he has received—
(a) a request in writing, and
(b) except in prescribed cases, such fee (not exceeding the prescribed maximum) as he may require.”
Therefore, pursuant to the Data Protection Act 1998, please acknowledge receipt of the appropriate fee and provide me with a full and complete copy of the records that you hold on file within seven (7) days of your receipt of this notice.
Once again, I instruct you to request the validation of every reported delinquent debt, in the form of an original bilateral agreement with wet signatures in blue ink and the appropriate proof of indebtedness from every alleged creditor. Upon your receipt of these items they should immediately be forwarded to the mailing location below by recorded delivery.
For the avoidance of doubt, I do not grant my consent, whether express or implied, for your company to disclose any details of STRAWMAN’S personal credit file to any individual, person or corporation, under any circumstances whatsoever. Failure to honour this express stipulation may result in the filing of a complaint with the Chairman of the Office of Fair Trading. I also reserve the right to pursue any and all administrative and/or judicial proceedings that I deem to be necessary to cure said dishonour.
Without malice or mischief, in sincerity and honour,
By: Freeman-on-the-Land, commonly known as Michael
Without Prejudice – Without Recourse – Non-Assumpsit
A few days later I was sent an inappropriate response in the form of detailed letter attempting to convince me that I was required to fill out an application form subrogating my rights to the bogus-info-peddlers, before they would be able to release information that belongs to me. I responded accordingly.
PRIVATE AND CONFIDENTIAL
Data Controller
Credit Reference Agency
Mailing location
15 May 2009
NOTICE OF DISHONOUR
Dear Sir/Madam,
RE: Credit File: STRAWMAN (and all derivatives thereof) Address History: MAILING LOCATIONS National Insurance Number: ********* Birth date of Upper-Case: Lower
Following the your company’s dishonour of both the NOTICE SEEKING FULL DISCLOSURE, mailed to you with a cheque for two pounds sterling at the above address on 16 April 2009, and the NOTICE OF DISHONOUR & OPPORTUNITY TO CURE, dated 26 April 2009 and delivered to said address by Post Office Recorded Delivery, I hereby serve NOTICE OF DISHONOUR.
Please be advised that the Section 7 of the Data Protection Act 1998 clearly states that:
“(2) A data controller is not obliged to supply any information under subsection (1) unless he has received—
(a) a request in writing, and
(b) except in prescribed cases, such fee (not exceeding the prescribed maximum) as he may require.”
Therefore, pursuant to the Data Protection Act 1998, kindly acknowledge receipt of the appropriate fee and provide me with a full and complete copy of the records that your company holds on file immediately. A copy of each notice sent in relation to this matter will now be copied to the Chairman of the Office of Fair Trading, pending any and all further investigations into the possibility of invalid claims being registered on STRAWMAN’S credit file.
Once again, I expressly instruct you to request the validation of every reported debt on STRAWMAN’S credit file, in the form of an original bilateral agreement with wet signatures in blue ink and the appropriate proof of indebtedness. Upon your receipt of these items they should immediately be forwarded to the mailing location below by recorded delivery.
For the avoidance of doubt, I do not grant my consent, whether express or implied, for your company to disclose any details of STRAWMAN’S personal credit file to any individual, person or corporation, under any circumstances whatsoever, until further notice.
Finally, please provide me with your Public Liability Insurance Policy Number and your Tax Identification Number (TIN) in order that I can instigate any and all proceedings I may deem to be necessary in order to cure your company’s dishonour.
Without malice or mischief, in sincerity and honour,
By: Freeman-on-the-Land, commonly known as Michael
Without Prejudice – Without Recourse – Non-Assumpsit
PRIVATE AND CONFIDENTIAL
Data Controller
Credit Reference Agency
Mailing location
15 May 2009
NOTICE OF FEE SCHEDULE
Through the dishonour of legal notices pertaining to the credit file of STRAWMAN, your company is now liable for the following Fee Schedule:
GBP£1,500.00 for every invalid/unverified/false claim registered on STRAWMAN’S credit file
GBP£1,500.00 for every invalid/unverified/false claim disclosed to third parties
GBP£1,500.00 for every piece of information disclosed to third parties without the express consent of the Authorised Representative
Your company has seven (7) days to raise any issues and/or disputes pertaining to this notice, the dishonour of which will constitute your company’s consent to the terms of this Fee Schedule.
Without malice or mischief, in sincerity and honour,
By: Freeman-on-the-Land, commonly known as Michael
Without Prejudice – Without Recourse – Non-Assumpsit
PRIVATE & CONFIDENTIAL
John Vickers, Chairman
Office of Fair Trading
Fleetbank House
2 – 6 Salisbury Square
London EC4Y 8JX
26 May 2009
NOTICE REQUESTING INVESTIGATIVE PROCEDURES
Dear John Vickers,
I hereby serve legal notice that CREDIT REFERENCE AGENCY may be in breach of the Data Protection Act 1994. In support of this notice, please find enclosed certified copies of the following:
1. NOTICE SEEKING FULL DISCLOSURE, dated 16 April 2009.
2. NOTICE OF DISHONOUR & OPPORTUNITY TO CURE, dated 26 April 2009.
3. NOTICE OF DISHONOUR, dated 15 May 2009.
As you will clearly see, pursuant to Section 7 of the Data Protection Act 1994, CREDIT REFERENCE AGENCY was served a written request for personal information dated 16 April 2009, along with a cheque for the appropriate fee. Receipt of payment has yet to be acknowledged but the cheque was cashed by CREDIT REFERENCE AGENCY on 27 April 2009. To date, twenty nine days later, I have received no information pertaining to the credit file of STRAWMAN.
Therefore, it is my reasonable request that the Office of Fair Trading investigates CREDIT REFERENCE AGENCY’S dishonour of its obligation to provide details of STRAWMAN’S credit file, in order that we might resolve the matter in the most expedient manner possible.
I look forward to hearing from you within seven (7) days of your receipt of this notice.
Without malice or mischief, in sincerity and honour,
By: Freeman-on-the-Land, commonly known as Michael
Without Prejudice – Without Recourse – Non-Assumpsit
Within three days for the Chairman of the OFT’s receipt of the last notice, the bogus-info-peddlars finally provided the information they had previously failed to provide three times, spuriously claiming that they had responded to my notices with correspondence that I have truly never received. However, they have not taken issue with the Notice of Fee Schedule…
