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    • Ok just an update sent my DQ recorded delivery, received by court 18/07/24, nothing yet showing on mcol. Deadline is Monday 22/07/24. Hopefully shows on before
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Curious letter from Iqor

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Re attached pdf scan letter'


I have just received the attached letter from !qor, and I would be grateful on advise on how to respons ( if at all!)


This concerns a Halifax Visa, which was initially passed to B O S who totally defaulted last Autumn on a CCA request.


Thery passed it to Westcot who got in short order the "Puzzled" letter


They passed it to Iqor who came on strong and also got a "Puzzled" letter (3 times !) Now this one.


It seems that none of the above have bought the account and are acting as collection agents


I feel that somebody somewhere is going to get it in the neck, I have already complained to ICO who are rather mealy-mouthed about it


The only document I have received is what can only bedescribed as an application form ( Called Your Priority Reservation Form)

This does not appear to have any other the details to satisfy section 127 of the CCA


I would appreciate advise on who to reply to and how?


Many thanks

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Oh dear looks like they are phishing for information that they clearly don't have.

Well it is NOT your place to disprove the debt rather theirs to prove it.


Time for something more strongly worded.


Formal Complaint

Letter before Action


Dear Sir/Madam,


Thank you for your letter of xx/xx/xx, the contents of which have been noted.


May I draw you attention to my letter of XX/xx/xx in which I clearly out lined my position concerning this matter. I enclose a copy for your perusal and ease of reference.


**CREDITOR** has failed in my lawful request under the Consumer Credit Act 1974 section 78(1) and subsequent Statutory Instruments.

I formally advise you that since **CREDITOR** has failed to comply with the terms of the Consumer Credit Act that as from **DATE** they are in legal default on this alleged agreement. This default means that the alleged agreement from this date is totally unenforceable. **CREDITOR** may not apply any charges, cannot issue defaults, cannot sell or assign the alleged debt or cannot invoke any clause within the alleged agreement.


Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.


The lack of a credit agreement is a very clear dispute and as such the following applies.


* may not demand any payment on the account, nor am I obliged to offer any payment to you.

* may not add further interest or any charges to the account.

* may not pass the account to a third party.

* may not register any information in respect of the account with any credit reference agency.

* may not issue a default notice related to the account.


Therefore this account has become unenforceable at law.


As **CREDITOR** have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.


Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.


The mere fact that they have passed this account to you while it is in dispute and default is also in breach of the Data Protection Act 1998.


After taking advice, I am of the opinion that your 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.


I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.


I hope that you will enter into a sincere dialogue with me about this matter and I am writing this letter to you on the assumption that you would prefer to do this than merely respond with standard letters and leaflets.


I would appreciate your due diligence in this matter.


I await your rapid response.


Yours Faithfully,

Be VERY careful whose advice you listen too

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Thank you for your very quick reply and excellent letter, I sort of guessed it was a "fishing trip", but one question when I put in "creditor" should that be the original card issuer ie Halifax or B Orrible and Stupid as the first to be chasing?

And what date should I use? the 12 +2 on the CCA to BOS or the 30 days after date?

And this goes to Iqor? sorry to be a bit dim, but I want to get this right



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  • 2 weeks later...

Can I ask for a bit of clarification please?


If the account has been sent to a dca from the OC, and not sold to them only for collection , and on request for a CCA the dca defaults fully,sends back to OC who sends on to another who sends back to OC who sends to another who is rather persistant but the required documents did not appear from first dca, have breaches of Data Protection Act, etc occured, OC says that they havnt breached and are within their rights, the only thing received is the "Application form" which doesnt have anything on limits etc etc, and was received from latest shower ohh, about 4 months after dca1 was CCA'd

I have sent the letter to Igor but no reply as yet,

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The OC clearly needs to be reported to Trading Standards and the OFT in WRITING, the drill for this now is to write to YOUR trading standards department and COPY IN THEIR trading standards department, that way they can't pass the buck between the two... state this in the first paragraph of your letter...


I am writing to "Your trading standards" and copying this document to "their trading standards" as these people have breached OFT Guidelines and other guidelines in pursuing a debt which is clearly in dispute. The facts of the case are: (list the dates you sent your letters and the dates you received their letters).


You can include all correspondence with the complaint letter so they can see what has been happening.

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Halifax really are a total *******

On another matter, First sent to BOS, CCA full time defaulted, they sent to AIC who got the "puzzled letter" and didnt reply, then they must have returned to HBOS who sent it to Rockwell who also got the "puzzled" letter, and have just replied saying they have passed back to HBOS but did not address my request for a reply within 7 days explaining why they took their action, or providing a complaints proceedure.


For what they may be worth ( if anything!) Several letters will be soon on their way to various Trading Standards, OFT and perhaps FOS? but will they do anything positive I wonder?


Should I rip into Halifax as well?, they seem to suggest in their letters that their conduct is perfectly legal and respectable - HA !

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  • 3 weeks later...

Scarey Letter from Igor


Despite sending them a letter before action, pointing out the Unenforceability of the account, as NO ONE has yet supplied the section 78 documents, this shower has just sent me a letter saying that they are instructed by their client to recover full balance immediately, Contact us at once, Solicitors will be instructed a template letter I guesss, the signature of Simon Williams is printed

Now despite the fact that HBOS, BOS, and uncle tom cobley have failed to provide anything apart from wind and P****, should I reply to theM, their letter is dated 20/o3 and received 27/03


I have already submitted complaints on tehm, HBOS and etc to TS, FOS, Info Comm, FSA


Ohh yes, I love the first line," despite previous requests which have been ignored"

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