Hello,

I am currently dealing with nelsons law of nottingham, They have wrote to my neighbours to confirm that i live at the address ?, Is this harrasment,

I mean they have my website with all my contact details on ? email address's and phone numbers, not one phone call from them either.

I am in pocession of the letters to as we get on with the neighbours

Personally I would forward copies of the letters to the OFT and TS via Consumer Direct

And report the Sols to the SRA Solicitors Regulation Authority - For solicitors

Good Grief, what next!

Yes its deceptive practices.

What is the nature of their business with you-is it debt collection ?

they are chasing a debt yes, And i tired to come to an agreeement with them but the guy i spoke to was very unreasonable, and set an installment plan much higher then i told him, He emailed me a copy of that agreement, So i know he has my email address, And then he sends letters to both my neighbours asking them to confirm if the above subject lives at the address,

Whats he going to do next ?

Ah ok thanks.

I also see;

Authorised and regulated by the Financial Services Authority

Go get em.

ok so i should contact the oft, which section are they breaking out of that booklet though ?

And also is it worth going to nelsons to ask them to pack it in, Or am i wasting my time and diesel

Debt collection requires a Consumer Credit licence.

A preliminary search of the CC database shows all their previous licences have expired.

Interesting.

so what does that mean martin ? sorry if im thick

Have a look at their letters.

Does it say anything on the bottom ?

That is absolutely outrageous. Report them to everyone.

DD

Make a formal complaint to the Information Commissioner. They have breached the Data Protection Act 1998 by passing your details to a Third Party without your permission to do so and they have no legitimate business reason to ask your neighbour for information about you. The OFT will also take a dim view of this. Make sure the firm know of your complaints - send them copies.

Nelsons Solicitors LLP trading as Nelsons Solicitors and nelsonslaw is a limited liability partnership registered in England and Wales with number OC335458 practising English law and whose registered office is at:

Pennine House, 8 Stanford Street, Nottingham, NG1 7BQ Tel: 0115 958 6262.

Also located in Derby Tel: 01332 372 372 and Leicester Tel: 0116 222 6666

Copyright © Nelsons Solicitors LLP All rights reserved. VAT No: 385 184 329

Nelsons Solicitors LLP is regulated by the Solicitors Regulation Authority

Authorised and regulated by the Financial Services Authority

basicly same as that, no mention of a consumer credit act number, it is shocking realy,or is that different as it relates to a business debt, well sole trader debt so i am personaly liable ?

How strange, never heard of an admitted member of the Law Society, sending a letter to a neighbour.

Report them to the SRA and OFT.

I know there is no money in conveyancing at the moment, but this is taking matters too far...!

Solicitors Regulation Authority - For solicitors

Consumer Direct

basicly same as that, no mention of a consumer credit act number, it is shocking realy,or is that different as it relates to a business debt, well sole trader debt so i am personaly liable ?

Makes absolutely no difference whether you are a consumer or sole trader-codes of practice and regs still apply.

I think you have recd enough advice here to understand that.

Sole traders and partnerships do have protection as a consumer if the debts are as a result of any agreement under the Consumer Credit act-eg loans or financing.

it was a fuel card from atos origin

it was a fuel card from atos origin

If you have obtained credit for the fuel from your atos origin card, then the CCA applies.

Solicitors have to abide by the SRA code of conduct;

Debt collectors by law, are required to be licenced by the OFT.

Both, solicitors and DCA's have to be correctly registered with the ICO as Data Controllers.

If they are not correctly registered for all principles concerned; the Data Protection Act 1998 will have been breached.

1. Definitions

1.1 The following terms shall have the following meanings:

"Account" an Account held under this Scheme

"Account Holder" the person(s) in whose name the Account is held

"Agreement" the application form signed by the Account Holder and these Conditions of Use

"Card" fuelGenie fuel card

"Cardholder" any person using a Card issued under the Scheme

"Company" Atos Origin IT Services UK Limited, 4 Triton Square, Regent's Place, London NW1 3HG

"Conditions of Use" these Conditions of Use relating to the Scheme

"Deposit" the amount required by the Company to be paid by the Account Holder with the Agreement, such sum to be returned by the Company to the Account Holder (interest-free) at the expiry or termination of the Agreement

"Participating Site" an authorised site, which appears on the fuelGenie website

"Registered Vehicle" a vehicle registered on the Account by inclusion in the Agreement signed by the Account Holder

"Scheme" the Atos Origin Supermarket Fuel Card Scheme in respect of which Cards are issued under this Agreement

"Scheme Address" fuelGenie, PO Box 5595, Walsall Road, Cannock, Staffs WS12 9ES Telephone 0845 371 2490

"Supplies" (i) fuel or (ii) fuel and oil, as set out in the Agreement

1.2 In these definitions the singular includes the plural and vice versa; words denoting any gender includes all genders; words denoting persons include partnerships and companies and vice versa.

1.3 Signature of and/or use of a Card constitutes acceptance by the Account Holder of these Conditions of Use which supersede and shall be taken to override any terms and conditions proposed or stipulated by the Account Holder.

2. The Agreement

2.1 Authorisation by the Company of an Agreement under this Scheme permits the Account Holder to use Cards to obtain Supplies for Registered Vehicles at Participating Sites. A sales voucher shall be issued to the Cardholder at the Participating Site in respect of each transaction.

2.2 Completion of this Agreement by the Account Holder constitutes authorisation to the Participating Sites to accept any Card issued to the Account Holder's Account in payment of Supplies, provided that the Account and the Card are valid and current at the date of supply.

2.3 The signature by a Cardholder of a sales voucher issued under this Scheme shall constitute acceptance by the Account Holder that the details shown on the sales voucher are true and accurate in all respects and that no other conditions affect that transaction except as set out in these Conditions of Use.

2.4 Completion of this Agreement by the Account Holder authorises the Company to debit the Account the sums contained in each sales voucher.

2.5 The Account Holder's statutory rights are not affected by this Agreement.

2.6 The Account Holder may cancel this Agreement at any time by giving 14 days notice to the Company at the Scheme Address.

2.7 The Company may terminate this Agreement with immediate effect in the event that (a) the Account Holder becomes insolvent, goes into liquidation, whether compulsory or voluntary, has a receiver or administrator or administrative receiver appointed over all or part of its property or business or is declared bankrupt (as appropriate), or (b) the Scheme ceases to operate for any reason.

2.8 In the event that the Agreement is terminated or cancelled for any reason by either party, the total outstanding balance on the Account shall immediately become due and payable by the Account Holder in full and cleared funds and the right to use the Cards shall automatically cease and all Cards issued to the Account must be returned forthwith.

3. Use of Fuel Cards

3.1 Cards shall be issued to the Account Holder on (a) acceptance by the Company of the completed Agreement, (b) completion of a satisfactory financial search of the Account Holder by the Company, and © receipt by the Company of the Deposit (where required).

3.2 Each Card shall include the name of the Account Holder, the Card number, and the Cardholder name or the vehicle registration number. Cards shall remain valid up to and including the date marked on the Card and shall be valid for the purchase of Supplies at Participating Sites up to any maximum aggregate credit limit placed on the Card as notified by the Company from time to time.

3.3 Cards remain the property of the Company and do not confer any right to receive Supplies. Cards may be cancelled by the Company at any time provided that notice, either oral or in writing, has been given to the Account Holder.

3.4 Cancelled Cards must be returned forthwith to the Company at the Scheme Address. Any cancelled Card presented in connection with any transaction for Supplies shall be retained; a sales voucher shall nevertheless be issued for any Supplies already obtained by the Cardholder and the purchase sum debited to the Account.

3.5 The Account Holder shall notify the Company at the Scheme Address of any change of name, address or commercial status of the Account Holder. Where necessary replacement Cards shall be issued under the Scheme.

3.6 Damaged or faulty Card(s) shall be replaced by the Company on receipt of the Card(s) by the Company at the Scheme Address.

3.7 If any Card is lost, stolen or otherwise no longer in the possession of the Account Holder, the Account Holder shall immediately notify the Company at the Scheme Address.

Oral notification shall be confirmed in writing by the Account Holder within 7 days. Notwithstanding the foregoing, the notification date shall be the date on which the Company receives the written notification. Provided there has been no fraud, negligence or other misuse of the Card by the Account Holder or Cardholder in respect of such Card, the Account Holder shall not be liable for any purchase made with the Card from the date of notification. The Account Holder shall indemnify the Company against all claims, costs and expenses incurred by the Company arising from theft, loss or misuse of the Card, whether fraudulent or not, prior to such notification above or occurring as a result of any breach by the Account Holder of these Conditions of Use.

3.8 The Account Holder may cancel a Card on notification and return of the Card to the Company at the Scheme Address. The Account Holder shall be liable for all purchases made with such Card prior to receipt of the Card at the Scheme Address.

3.9 The Company shall not be liable to the Account Holder for any loss, damage, cost or expense incurred as a result of any failure or refusal to provide Supplies under the Scheme.

4. Payment

4.1 The Company shall debit the Account monthly with the aggregate sum of the sales vouchers issued in the preceding month.

4.2 A statement showing the amount to be deducted from the Account shall be issued to the Account Holder on the day following the last day of each calendar month. The statement shall include the date, time, Card number, Participating Site, description of Supplies provided, mileage (if available) and value (excluding and including VAT) of each transaction.

4.3 All sums owing to the Company by the Account Holder as shown in the statement referred to in 4.2 above shall be paid by means of the direct debit mandate attached to the Agreement. The monthly debit shall be enacted on the 12th of each month or on the next banking day thereafter. Any payment made by credit card will be subject to a 2.35% handling fee.

4.4 If payments are not cleared by the Account Holder's bank under 4.3 above on the first presentation the Company shall have the right to place a stop on the Card and the Account Holder's account will be closed and the Agreement will terminate with immediate effect.

4.5 The Account Holder may request the Company to provide copies of sales vouchers for transactions made on their Cards provided that the transaction took place not more than 3 months prior to the date of the request.

5. General

5.1 The Company shall be entitled to amend these Conditions of Use at any time by reasonable written notice to the Account Holder.

5.2 The Company may assign or transfer this Agreement and any or all of its rights and liabilities under the Agreement by written notice to the Account Holder.

5.3 Where the Account Holder consists of two or more persons "the Account Holder" in these Conditions of Use shall mean and include all such persons and each or any of them. All obligations on the part of such Account Holder shall be joint and several obligations of such persons.

5.4 The Company accepts no liability and gives no warranty, express or implied, whether arising by common law or statue in relation to any transaction by or Supplies supplied to the Account Holder by virtue of entering into the Agreement and/or the use of the Card.

5.5 Save in relation to the Company's liability for death or personal injury caused by its negligence or for fraudulent misrepresentation, which shall not be limited, the Company shall not be liable for loss whether arising from breach of contract, tort (including without limitation, negligence), statutory duty or otherwise, and whether direct or indirect, nor for any of the following: loss of profits, loss of revenue, loss of savings (anticipated or actual), loss of contract, loss of goodwill or loss of reputation, or any indirect or consequential loss or damage.

5.6 Failure by the Company at any time to enforce any breach by the Account Holder of these Conditions of Use or the agreement shall not be construed as a waiver by the Company of such Conditions of Use or Agreement and the Company shall be entitled to enforce such breach at any time.

5.7 If any of these Conditions of Use or the Agreement shall be deemed void for any reason whatsoever, but would be valid if part of the wording were deleted any such conditions shall apply with such modifications as may be necessary to make it valid and effective.

5.8 The information provided by the Account Holder in the Agreement and accompanying documentation shall be held and used by the Company in compliance with the Data Protection Act 1998.

5.9 The Agreement shall be governed by the laws of England & Wales and shall be subject to the jurisdiction of the courts of England & Wales.

these are the terms and conditions

The Consumer Credit Act 1974 (amended 2006) requires most businesses that offer goods or services on credit or lend money to consumers to be licensed by the Office of Fair Trading (OFT). The Act requires credit and hire arrangements to be set out and to contain information that assists the consumer to be fully informed about the details and obligations of the agreement being entered into. The Act relates to agreements with individual consumers as opposed to business to business contracts.