Hi
I requested a CCA from A & L on 190309.
I have had plenty of phone calls and one letter requesting payment but no mention of my request.
today I received this
TC Alliance and L pictures by cupcake62 - Photobucket
Should I be sending them this?
ACCOUNT IN DISPUTE
Date:
Dear Sir or Madam,
Account number: XXXX XXXX XXXX XXXX
I am in receipt of your letter dated XXXXX
This
account is in dispute with **original creditor/
DCA** and has been since
DATE .
Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's
debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998
My previous dispute from **DATE** has NOT been answered.
As **
original creditor/name of debt collection agency** are now in default of my
Consumer Credit Act agreementrequest and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.
As you are aware while my
Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.
Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.
Now I would respectfully suggest that this account is returned to the
**original creditor/DCA** for resolution of these defaults and breaches, as
**New DCA** cannot lawfully pursue any enforcement activities.
If
**New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office,
Financial Ombudsman Service and possible court action.
After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings Collection Guidelines
I hope that this will not be necessary and an acceptable solution can be accomplished.
I would appreciate your due diligence in this matter.
I look forward to hearing from you in writing.
Yours faithfully
or this?
ACCOUNT IN DISPUTE
Your Reference:
Client reference:
Dear Sir or Madam,
I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***DCA*** and has been since ***Date***
Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998
As ***DCA*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE.
As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.
Now I would respectfully suggest that this account is returned to ***DCA*** for resolution of these defaults and breaches, as ***DCA*** cannot lawfully pursue any enforcement activities.
If ***DCA***chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.
I hope that this will not be necessary and an acceptable solution can be accomplished.
I would appreciate your due diligence in this matter.
Yours faithfully
Or is there something else I should send them? I'm not too sure is RMA part of A & L ? Or are they an independent DCA?
Thanks for everyones advice.
Esile
Esile Vs A & L 
