Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

reg. office:
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London
NW11 7PE



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  1. #1

  2. #2
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    Default Re: OFT Guidelines on Debt collection

    If your creditors are hassling you, they may be breaching OFT debt collectionicon guidelines. Are they bullying you into making payments you can't afford? Advising you to borrow, from other institutions or even from your own family, to pay off the debt? Demanding payment in full? Implying that they can send you to prison for non-payment? The document laying out these guidelines are in the post above, in .pdf format.

    There is also a ready-made complaints form on the Office of Fair Trading's website, in a .doc format. Every complaint is another step towards getting dodgy DCAs' licenses revoked. Don't hesitate!

    http://www.oft.gov.uk/NR/rdonlyres/B.../complaint.DOC

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  3. #3
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    Default Re: OFT Guidelines on Debt collection

    debt collectionicon guidance
    Final guidance on unfair business practices
    July 2003 (updated December 2006)

    http://www.oft.gov.uk/NR/rdonlyres/5...0/0/oft664.pdf


  4. #4
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    Default Re: OFT Guidelines on Debt collection




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    Default Re: OFT Guidelines on Debt collection

    Sorry Posted in the wrong thread

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    tbern123 vs Cabot
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    Default Re: OFT Guidelines on Debt collection


    SORRY I DID NOT SEE when i started my own thread you had beaten me to it !!

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  7. #7
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    Default Re: OFT Guidelines on Debt collection

    I think all the above links apart from the complaints form relate to a consultation paper from 2002.

    The following link is to:

    debt collectionicon guidance
    Final guidance on unfair business practices
    July 2003 (updated December 2006)

    which may be more accurate and up to date.




  8. #8
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    Default Re: OFT Guidelines on Debt collection

    Quote Originally Posted by demon_x_slash View Post
    If your creditors are hassling you, they may be breaching OFT debt collectionicon guidelines. Are they bullying you into making payments you can't afford? Advising you to borrow, from other institutions or even from your own family, to pay off the debt? Demanding payment in full? Implying that they can send you to prison for non-payment? The document laying out these guidelines are in the post above, in .pdf format.

    There is also a ready-made complaints form on the Office of Fair Trading's website, in a .doc format. Every complaint is another step towards getting dodgy DCAs' licenses revoked. Don't hesitate!

    http://www.oft.gov.uk/NR/rdonlyres/B.../complaint.DOC
    This complaint form is no longer on the OFT site

    Claims:
    bgqs v Barclays (Claim No.1) - Claim Issued 16/3/07 Await Defence to be Entered - Data Protection Act Non-Compliance - *WON

    bgqs v Barclays (Claim No.2) - Prelim Letter Sent (Charges + s.68 Interest) - 16/3/07 - *WON

    bgqs v Halifax - Prelim Letter Sent (Charges +C.I Interest) - 16/3/07 - *WON

    *Paid Deposit on New House with my Winnings !


  9. #9
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    Default Re: OFT Guidelines on Debt collection

    It worked ok for me on post 7..




  10. #10
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    Default Re: OFT Guidelines on Debt collection

    Re: OFT Guidelines on debt collectionicon.

    Hi Team, first post so please bare with me!

    I have just been talking to a man in the complaints dept. at the OFT about 0870 'phone numbers, THEY (they OFT) wan't to know! "They are looking into Banking practices at the moment" They want to hear from YOU if, under Section 2.2 Examples of unfair practices para h Asking or instructing debtors to make contact on PREMIUM RATE 'PHONE NUMBERS and under Physical/Psychological Harassment Section 2.5 para f Pressure debtors to pay in full, in unreasonably large installments or to increase payments when they are unable to do so.

    They ALL do this, I know.

    If the OFT gets enough complaints they will act. If the complaints are upheld they - the DCA's, Credit Card Cos, banks etc stand to have thier licences revoked.

    So PLEASE COMPLAIN to the OFT I Have.

    Hope this made sense

    Viano


  11. #11
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    Default Re: OFT Guidelines on Debt collection

    All above links are not working at the mo...

    Error - page not found

    We have recently updated our website and the page you have requested may have been moved or archived.
    Please return to our home page to find the information you are looking for or press the 'back' button on your browser to return to the previously viewed page.

    Aha! this one does!
    http://www.oft.gov.uk/shared_oft/bus...dit/oft664.pdf


  12. #12
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    Default Re: OFT Guidelines on Debt collection

    I found the complaint form but it states its only for companies or third parties on behalf of clients so ive jsut written a general complaint letter


  13. #13
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    Default Re: OFT Guidelines on Debt collection

    I have just been threatened with court action from"robinson way "debt agency.I am on a payment plan ,paying £20 a month and because I missed 1 payment in december ,they have sent me an N1 form from Northampton county courticon.It seems a bit strange that they,ve done this as i have missed the odd payments in the past and they,ve never gone this far,its only since i,ve lodged a complaint with the F.O.S against "Capital Oneicon " that its happened.The amount that" capital one " has took off me in unlawfull charges,is near enough the same as thier trying to get me in court for.Robinson way bought the same debt off capital one .I have put in an acknowledgement to the court to get more time to prepare a defence.Has anyone else had a similar experience ,any advice would be greatly appriciated. thanks angnnig


  14. #14
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    Default Re: OFT Guidelines on Debt collection

    Just a quick message to say your link to the OFT Doesnt WORK !!! Wondered if you know the new one???

    kind regards


  15. #15
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    Default Re: OFT Guidelines on Debt collection

    The one in post 11 worked for me.

    Viano



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