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.
I've been looking on the "can't find whay your looking for" link and guess what? I can't find what I'm looking for! I'd like to write to Trading Standards advising them of Newman debt collection Agency comitting an offence due to non receipt of cca request. Is there a standard letter for this purpose?
Here's a copy of the one I sent about Scotcall, feel free to adapt and use as necessary:
Dear Sir/Madam,
I would like to make a complaint about Scotcall Debt Collecting Services, who contacted me claiming that they had a debt placed with them which I should pay immediately.
Upon seeking advice from the Consumer Action Group website I sent Scotcall a request (copy enclosed) for a copy of my agreement under the Consumer Credit Act 1974, along with the statutory fee. This was sent recorded delivery and, as you can see from the enclosed printout, signed for on February 16th.
As I’m sure you are aware, Section 78 of the Act states:
(6) If the creditor under an agreement fails to comply with subsection (1)—
(a) he is not entitled, while the default continues, to enforce the agreement; and
(b) if the default continues for one month he commits an offence.
As I have no communication whatsoever from Scotcall and they have had more than the statutory time period they are now committing and offence which I would like to draw to your attention.
I believe that their flagrant disregard for the Act calls into question their suitability to hold a Consumer Credit Licence, and would be most interested in your comments.
Should you require any further information regarding this complaint, please do not hesitate to contact me. I understand that you may need to pass this onto Glasgow Trading Standards, and I give my consent for you to do so.
Yours faithfully
TS have been very helpful so far, good luck with your complaint
Barclays:WON!!! It took four months but was totally worth it!
Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
Elephant.co.uk: VICTORY - they admitted there was no debt!
Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!
<--- If I've been helpful please remember the scales
Trading Standards
Agency comitting an offence due to non receipt of cca request. Is there a standard letter for this purpose?
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