Thanks Vic Thats cleared that up nicely.

Hello abit of advice please. I intend using the below letter from teh library as my disputed acc has been passed on to another DCA. http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency In this letter it states I am in receipt of your letter dated XXXXX This account is in dispute with **original creditor/DCA** and has been since DATE . [b][u][color="#ff0000"]Not only is this[/color] [/u][/b]a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 My previous dispute from **DATE** has NOT been answered. So my question is what is a breach. 1. the letter received from new dca? 2. the fact original bank has passed it on to another DCA while in dispute? 3. something else? Many Thanks for any advice.

Many Thanks Harrassed Senior.

Hi Is there a problem with the template library I can't access it. tried swapping to different browsers ( tried opera.I.E and chrome) and still can not access it all I get is a blank white page. I need the template to deny permission for doorstep collection. Many Thanks

Re the above yesterday i received another letter from Moorcroft saying they had been in touch with BOS and the credit agreement I received from Bos was binding etc (see above for what i received) Any advice as to my next move/letter etc gratefully received. letter from moorcroft below: Moorcroft Letter. Dear xxxxxxxx Re Bank of Scotland I write in response to your recent communication in relation to the above account and can confirm we have been in contact with BOS who have advised us that you have previously received the agreement you are disputing. The agreement is binding and you are liable and you are required to make payments towards the outstanding balance of £xxxxx. You have not raised a dispute with our clients Customer Relations Regarding this. I can also confirm I have placed this account on hold and request you make immediate contact with our call centre on the above telephone number to discuss a repayment proposal you can afford and maintain. However if you are unhappy with the information provided please contact us by return Yours sincerely Accounts department.

Thanks again Uncle bulgaria, I would prefer to post here and get advice for the moment. I am grateful for all your advice in previous posts regarding legal advice etc though

Thanks unclebulgaria67, I appreciate your help and time concerning this. I'll do as you suggest. where does the law stand if all they have is a microfishe copy of the above with nothing else?

double post sorry

Latest news from BOS In response to a letter from Blair Oliver & Scott ( Notice of Intended Court Action) I sent a copy of the letter in this link http://www.consumeractiongroup.co.uk/forum/show-post/post-2645126.html requesting all the infomation outlined in the letter. I received a letter from Moorcroft last week telling me they'd been instructed to collect on behalf of BOS, I replied with acc in dispute letter telling them to return my acc to Blair Oliver Scott and received another letter saying account on hold etc while they contact their client. Today I received a letter from Bank of Scotland stating "Please find enclosed a copy of the Executed Agreement with Terms & Conditions, This provides the information you require. All they have sent is the exact same photocopy/scan as in the Images I posted in my 1st post. No terms and conditions, no defaults, no statement of moneys I have paid off debt etc. Whats my next move please, any letter templates you can suggest. Thank you

Hello unclebulgaria67 No I'm no longer paying the £1 per month since they sent a demand for £15 odd. I then sent off the account in dispute letter as they had not adhered to my CCA in full. Re not being able to defend any action in court,thats what I've been trying to discover, If I have any defense by asking for the CCA inc terms and conditions and its validly. Surely i have a defense if they haven't fulfilled the terms of the CCA 1974, OK, They have sent part of the agreement but not all of it and if they can't produce the full original agreement in court then I have a defense? do I not?

Hi all I sent the letter regarding account in dispute a couple of weeks ago recorded delivery which they received according to R.M I received today in the post the latest letter from B.O.S re the above loan which states: Notice of Intended Court Action Bank Against Me Sum Claimed = states full balance Date due 16/06/10 FORMAL NOTICE IS HEREBY GIVEN THAT OUR CLIENTS HAVE INSTRUCTED US TO COMMENCE COURT PROCEEDINGS AGAINST YOU WITHOUT DELAY. WHEN THE COURT ORDER IS AWARDED YOU WILL ALSO BE LIABLE FOR OUR AWARDED COSTS AND EXPENSES TO PREVENT COURT ACTION YOU MUST, BY 16/06/10 (today’s date) A)PAY THE BALANCE IN FULL B)TELEPHONE US ON THE NUMBER BELOW TO AGREE A REPAYMENT PLAN, OR C)WRITE TO US WITH PROPOSALS FOR THE REPAYMENT OF THE DEBT AND ENCLOSE THE FIRST PAYMENT Notice dated: 10 June 2010 Signed Blah Blah Manager Litigation So what's my next course of action?, they didn't give me much time to resolve this as I only recieved it today 16th and the letter was dated 10th june Should I SAR them? or send for all info under Civil procedure rules as in http://www.consumeractiongroup.co.uk/forum/show-post/post-2645126.html Thanks in advance

I have my elderly mother down for the weekend and she has had a BT line for 26 years. When she took out the line rental she also rented a basic corded telephone from BT. She has had this phone 26 years and has been charged rental for 26 years,currently £3-odd per quarter I've been onto BT and asked them to cancel the rental of this phone and to ask how to return it as she has also had a cordless phone for years No problem rental canceled and she can keep phone, no need to return it. Looking on line at moneysavingexpert forum BT Equipment Hire - have you been renting your telephone for over 18 months? - MoneySavingExpert.com Forums You only need to rent the telephone for 18 months of your contract and no need to return it. Is there any way where you can claim this money back? Bt don't seem to tell you this and have happily collected the rental for 26 yrs This will mainly be elderly relatives who may have rental telephones from BT, so if you have any eldery parents etc, check their bills for this unnecessary charge

Thanks Steven. Think I've got that? So basically The fact that the APR is wrong doesn't matter. A court could enforce the agreement but the creditor cannot without taking it to court. But: As the agreement does not contain all the prescribed Terms I.E. Terms & Conditions associated with the agreement (Thanks Pinky) it is still unenforcible even by a court, unless the creditor can produce the original Agreement and Original terms and conditions in court.

Think you'll find them in this link to 2006 amendments http://www.opsi.gov.uk/acts/acts2006/ukpga_20060014_en.pdf

Gort70 Have a look here seems there are alot of ex pipex customers receiving letters lately Pipex / Fredrickson Debt Collectors :: ISP Unhappiness :: think broadband