More Threatenig standard letters from DCA

[Pat-Uk]

Hi Guys

I've today received another letter from a DCA in relation to some accounts, They are the standard You have not responded to our letters so we are 1) going to take you to court or 2) send details to our field agents for collection.

There is no County Court Judgment on the debts, They are unsecured debts.

They failed to supply any documents in response to a CCA request that was sent in February 2007. I wrote to them last week by recorded delivery advising them that they had failed to to provide the documents and that they had broken the law, and that they can not now collect any further money without an court order.

But they still keep writing, Can I ignore this or should I invite them to take me to court as they are now in the wrong ??

Many Thanks

[setmefree]

Ignore them they have failed to comply to your request,the letters you are receiving are just computer generated junk.

[ODC]

Originally Posted by Pat-Uk

Hi Guys

I've today received another letter from a DCA in relation to some accounts, They are the standard You have not responded to our letters so we are 1) going to take you to court or 2) send details to our field agents for collection.

There is no County Court Judgment on the debts, They are unsecured debts.

They failed to supply any documents in response to a CCA request that was sent in February 2007. I wrote to them last week by recorded delivery advising them that they had failed to to provide the documents and that they had broken the law, and that they can not now collect any further money without an court order.

But they still keep writing, Can I ignore this or should I invite them to take me to court as they are now in the wrong ??

Many Thanks

Write to them and ask for a copy of their complaints procedure. Then report them to TS and the OFT and when they fail to correctly address your complaint report them to the FOS. This will cost them £ 400. That should keep you amused for some time and places to shoe on the other foot. Watch them squirm. Who was the DCA by the way

[Pat-Uk]

Thanks, Will do.

It was Thames Credit, who seem to be popping up on here quite alot.

[Pat-Uk]

Can i confirm it's the OFT and not the Information Commissioners Office, or should I just have a party and send to all of them.

Thanks

[ODC]

OFT First of all along with TS. Keep Information Commissioners Office for later amusement

[setmefree]

Yes once again sound advice from ODC

[Pat-Uk]

Hi Again,

Same DCA, and another letter from them demanding money for the accounts that they have failed to supply details from CCA request

I have written up all the information and all the evidence is together including proof of delivery and their initial response to CCA requests saying they will get the information and get back to me, and it is ready to send off to the OFT and TS.

In my last letter to them I (as suggested above) asked for details of their complaints procedure, which they have not sent. I don't think that I can report them to the FOS as I don't think they are regulated by the FSA, they are member of the CSA and they do have a complains system to report thier members, but I don't think that they get into any trouble over it.

[make them aktiv runners]

If they attempt to obstruct the complaints procedure (failing to respond with complaints procedure is obstruction) then you can go directly to the FOS. Only complain about the letters received from 6.4.07.

[Pat-Uk]

and the FOS will deal with it even though they are not regulated by the FSA

[clutchingatstraws]

If you have kept evidence that you have requested a copy of their complaints procedure and it is dated after 6.4.07

I would start a complaint with the FOS that they had not responded.

[ODC]

Originally Posted by Pat-Uk

and the FOS will deal with it even though they are not regulated by the FSA

Originally Posted by clutchingatstraws

If you have kept evidence that you have requested a copy of their complaints procedure and it is dated after 6.4.07

I would start a complaint with the FOS that they had not responded.

And the FOS will charge them £400 just to investigate the complaint

[Pat-Uk]

Can you confirm the the FOS will deal with complaints about companies that are not members of the FSA, as I was under the impression that they are only able to investigate and fine companies that were FSA members.

[Pat-Uk]

DOnt worry,

I have just phoned the FOS and logged a complaint, even though they are not FSA members they will deal with them.

WOO HOO

[ODC]

I thought they would as they are regulated by the FSA. Your 10p phone call has just cost the scum £400. Good result so far.

[tomterm8]

Originally Posted by Pat-Uk

Can you confirm the the FOS will deal with complaints about companies that are not members of the FSA, as I was under the impression that they are only able to investigate and fine companies that were FSA members.

The F.O.S. will consider any complaint about a Consumer Credit License holder that happened after 6 april 2007, within the Consumer Credit jurisdiction, and as long as you have gone through the companies complaint procedure.