would the FCA be interested as they are a French DCA

Please can you guide me as to why the letter is illegal

Yes go ring them now

Its illegal because they cannot threaten those things at all

FCA's response

A debt collection firm which is based in France, collecting on a debt for a mortgage in France, would fall outside of our remit as the financial services regulator of the UK.

You'll need to make contact with the financial services regulator in France, Autorité des marchés financiers (AMF). I'll list their contact details below.

Autorité des marchés financiers

17 place de la Bourse

75082 Paris, Cedex 02

France

Tel: (33 1) 53 45 60 00

Fax: (33 1) 53 45 61 00

Email: [email protected]

Internet: http://www.amf-france.org/

Oh well

Time to ignore again then

You could email them AMF with copies of all the letters

Cant see them doing much mind

I'll go with ignoring them lol, Thanks DX100UK

are the letter coming from france or a uk address?

From France

Hello,

Credit Limits International sent a letter that is exactly same wording as that of yorker had already uploaded, except for Name, Address, Creditor and the amount.

I have already read through thse posts and checked FCA register. CLI is not authorised by FCA, so not responding is absolutely right thing to do because Creditor did not notify that CLI has been employed to collect debt.

If CLI does visit, I will firmly ask for their identification, then print out status of CLI with FCA and give it to them. Then, warn them that their presence id disturbing peace and quite of my residence and aks them to leave, if CLI do not immediately leave, warn them you are calling the police, then pretend to call th police. If they are still there, then call the police.

One of the mistake most people does is, when aksed for their names (by the open nature of British society), even by some unknown person knocking at door, people do not usually aks for the identification. It takes practice and the best way to practice is to use these nuisance calls or calls from withheld telephone numbers.

In my case the last paymeny was in August 2012. So, it could be SBed.

Besides, whilst there were arrears, the Creditor raised the payment and the payment was being made. However, the Creditor wanted signed paper work, which I did not want to rush into and the Creditor then repocessed. I have the E-mail corresponding with legal department of the Creditor.

So, I think it was the Creditor who broke the contract, cancelled it and then repocessed.

I am wondering whether these can be used for defence, should the Creditor follow the process through to issueing court claims via a UK solicitor.

Any help is appreciated.

Also, before you open the door, ask for identification, and even if you open the door, put it on chain lock.

If the person is genuine, then you can say you had very bad experience against robbers or petty theives pushing the door for forced entry.

follow post 56

CLI now sent me pre-action protocol letter.

The Creditor is SAS NACC and it states by Assignment from BNP Paribas Personal Finance.

Howeve, I have not ever received any communication from BNP Paribas Personal Finance, informing the assignment.

CLI want an acknowledgement of debt and financial statement from me.

CLI are also threatening court action.

What should I do?

Pers I'd ignore them

Thanks for the quick reply.

I have had the same thought.

Let's see where CLI take this.

CLI not creditor so they can do nowt themselves.

How long is too long in the view of your solicitor friend?

Thanks for the help.

probably 5 or 6 yrs but pers id simply ignore them

there is nowt they can do to you in this country anyway

a DCA is NOT a creditor and not a bailiff.

I have also just received a letter from CLI regarding a French bank debt which they claim has been assigned to SAS NACC.

I will follow the advice of ignoring the letters but I am just wondering if anyone has had any closure?

Do the letters just keep on coming?

Has anyone received an actual solicitors letter?

Any follow up would be appreciated.

Thank you.