Excellent work Tim. Well done for having the gumption to serve a SARN and to work through the results.(posted 8503 days ago)I would *not* hit them with what you've got. I would wait for them to serve a writ on you and then respond to the summons with a defence and counterclaim. If it gets this far you may need a lawyer to help you draft the document but it's pretty straightforward. I strongly recommend that you read the Who Helps? | Books that Help section and buy the Litigation Handbook as recommended their for details on counterclaims.
What I would now do is:
1. make a complaint to the DPC about the instances of whiting out 2. write to Halifax to ask them to document each claim they make about you in the documentation they have sent you. Do not be specific about individual claims just say you want documentation/proof of "all claims". However, there is one claim you should single out and that is the claim that you went to prison. Ask them to specifically document this claim. Don't bother wasting your time threatening to sue them, let them worry about that. 3. they probably won't give you answers that you consider satisfactory, which means you can respond to any subsequent threats from them by requesting again for them to document what they did.
If I remember rightly (and I need to check my files to confirm) White Horse Services are a debt counsellor but I may be wrong.
The reason you shouldn't hit them with your doubts is that you warn them exactly how strong each part of your case against them - or defence against them - is. You need to put it back on to them to justify to you what they have been doing. Then you are controlling whose time is being used up here.
Lee