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Cos the compliant will be rejected The OP should complain to the SRA not FOS

What you said in store may well be irrelevant. Whether you should ignore the answer is no you should not Write back if only to deny their allegations. ALSO demand they retain the CCTV

CR firms claim they have no choice & quote the DPA as the reason this is nonsense The ONLY priviledge that exists between a minor & 3rd party is that between their medical adviser

Even the police MUST contact the parent or guardian where a minor is involved to suggest they can lawfully threaten a minor is ridiculousness & could lead to serious FORESEEABLE consequences

Minors CANNOT enter into a contract which is what the requirement for payment is AND for there to be a liability in tort (not assured) there HAS to be actual damage AND they have to have been under the control of a parent or guardian at the time. I have no doubt that the likes of RLP will have to answer for their claims in open court. Also the protocols as defined by the architect of civil recovery Professor Bamfield specifically excludes, amongst others, minors Civil Recovery is meant to be used against recidivists not kids testing mousse in Boots. Disgracefully some retailers now see CR

Here's some cheery news http://www.realclearpolitics.com/news/ap/politics/2010/Oct/19/ap_source__fbi_looking_at_foreclosure_mess.html

As she's still a minor she can't enter into a contract so even if you or she did pay you could sue to have repaid plus % Also as a minor they cannot place her name on their website of "people who have been involved' in civil recovery" nudge, nudge, wink, wink no what I mean eh! eh!

I do hope you have a name of the individual you dealt with as claiming that amounts to misconduct When you contact the Ombudsman tell them what was claimed. I should also complain direct to that persons boss for attempting to mislead you into giving up

Would your friend be willing to make a sworn statement as to the events you describe?

Please be patient as I understand the Judgement is being considered before commenting

YOU MUST NOT ignore them at the very least write back demanding they provide evidence of your alleged 'unlawful' act which of course you dispute otherwise even though you win your case you may have adverse costs awarded against you for not trying to conclude the matter BEFORE court proceedings commenced

Appeal hearing concluded, Judgment expected early next week

Does their letter identify them as debt collectors?

Great! Also can we have a link to the attestation thread