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  1. Hi again another dca that doesn't seem to want to take any notice of my letters!This one is everyone's favourite Cabot lol.The differane with this one is they say they have bought this alledged credit card debt. Surely if they have bought it ,it is their responsibility to ensure all paperwork is in order? They seem to think that my dispute is with credit card company and nothing to do with them therefore they seem to think l should pay them anyway. Any reply l should send? or should l just ignore them and see what they want to do next. Cheers all.
  2. thanks nailpost l asked them for it and they did send one
  3. thanks zazan that was one of my first thoughts failing that Dear Morons go forth and multiply as you are getting on my nerves lol
  4. Hi all this problem was originally with a catalogue company in another part of the forums,but it is now a problem with a DCA so l thought l'd start a new thread here. CCA'D catalogue company nearly 3 years ago and am still waiting for them to send me one. Over the last few years a few DCA'S have come and gone, the 'bemused' letter seeing them crawl away. Latest one to come along sent the usual begging letter, l sent 'bemused' letter as always, ignored that sent another begging letter with the usual threats etc so l replied with a great letter l found on here basically saying 'do not acknowledge any debt so go away as all the other DCA'S have, then l get a letter from a 'solicitor' addy on envelope the addy of DCA by the way. Send the 'frankly amused letter to addy on top of envelope and get a reply from DCA unbelievably saying that if l want a copy of my CCA l need to send them a pound! What planet are these muppets on. l really do not know what to reply if anything they just don't seem to take any notice of any of my letters. By the way l asked for and they sent a copy of their complaints procedures. Sorry to have gone on a bit but any replies gratefully accepted.
  5. advice anyone pls? I'm thinking of just ignoring them now and see what steps they want to take next cause l really cant think of anything else l can write to them to get it through their thick skulls! lol
  6. these muppets are really getting on my nerves! they have sent a reply saying if l want them to ask JD Williams for a credit agreement l will need to send them a £1! What planet are they on. They do not seem to understand any of the letters l have sent them and the one l sent to the so called solicitors has come back clearly from the DCA! l do not really know what sort of reply l can send as we seem to be going round in circles. They have sent me a copy of their complaints procedures. Any help as to what reply if any l should give would be gratefully accepted.
  7. just to update on this, the DCA have now passed this on to a solicitors called Incasso ( funny how the addy on the envelope is the same one as the DCA) naughty! Sending a strongly worded letter to the solicitors and a letter to DCA asking them for their complaints procedures before l report them for breaching OFT collection guidelines.
  8. found a good letter on another thread so thinking of sending this 22 February 2010 YOUR REF: Dear Sir In response to your undated letter received by me on 18 February 2010 You should take note that I do not acknowledge any debt to yourselves or your client. I am informing you that this alleged debt is the subject of an unresolved dispute between myself and your client. Please be aware that as such I have no intention of entering into any dialogue with your company. This matter has already previously been passed around numerous agencies whilst in dispute with JD Williams and subsequently returned to JD Williams very quickly on emergence of the facts. I am also aware of the OFT Guidelines on collection Practices in as much as you should cease collection activity and return this account to your client whilst an unresolved dispute exists. Should you choose not to return this account to your client, I require you to send me a document copy of your formal complaints procedure by return. Furthermore, should your next letter be anything other than to confirm the return to your client I will view this as a direct act of Harassment and will take action accordingly I look forward to your response and due diligence in this matter. Yours faithfully,
  9. the JD Williams account has been round a couple of DCA'S over the last couple of years, a "BEMUSED" letter sees them off. Latest DCA a company l've never come across b4 called UK SEARCH LTD have sent this reply. Having read your letter and put forward your query to JD Williams the replt was as follows DEBTOR RAISED SAME DISPUTE WHEN ACCOUNT WAS WITH WESCOT (THAT WAS THE LAST DCA WHO QUICKLY GAVE UP) You were advised at the time all disputes had previously been dealt with (no its not still waiting for CCA) and if there were any further disputes you were to put them in writing and forward them to JD Williams apparantly you have not done this.(strange) We have been advised to carry on and collect, however l will await your reply b4 l allow this account to proceed. I am totally bemused by this reply what sort of response should l give if any.
  10. had to open another bank account as they froze our rbs account forcing me to ring their collections department and making a payment off the overdraft on the other account! was then told in no uncertain terms to go elsewhere! have now received a letter from their in house dca Triton demanding the money. This account is in dispute as we are all waiting for the final outcome of the test case. l keep telling them it is in dispute but no one seems to be listening!Anyone got any advise as to what l should put in a letter to Triton pls? It is really getting on my nerves now lol
  11. Hi all update on the thread. Collections department starting hassling us about the overdraft. Have written to them stating that it is in dispute, but they are ignoring the letter. Now threatening to default us! Any suggestions please
  12. found it for you. amend to suit ir or Madam, Account number: XXXX XXXX XXXX XXXX ACCOUNT IN DISPUTE I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original/DCA** and has been since DATE 2008. Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 As **original/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, Subject Access request and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to the **original/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities. If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines Also be advised that I will only communicate with you in writing. Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully
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