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    • Heres a point, while we wait for @theoldrouge to condemn rather than promote and support right wing bigots spouting genuine and clear monstrous antisemitic rhetoric ... Isn't it actually specifically unlawful to promote violence against politicians on top of laws to criminalise such things? ... As is reported happening in these closed facebook groups run by Tory staff and where a Tory police minister and the Tory London mayor candidate are members and post?   .. or do the Tories (seemingly like tor) only promote laws for protecting the hate spouting hard right ?   "“Some of these (Tory facebook groups) posts constitute the most appalling racism and I would urge the Conservative Party to swiftly distance itself from these hate-filled groups and urgently investigate what role any Conservative politicians and officials have played within them. “Susan Hall and the Tory MPs who have belonged to these groups need to come out and explain why – and to denounce the content they have tacitly endorsed by their membership.” "Reporters found widespread racism and Islamophobia as well as conspiracy theories and celebrations of criminal damage on the pages, including sharing the white supremacist slogan and antisemitic videos. " "Unearthed found that 46 out of the 82 admins have clear links to the Tory Party, including a recent digital campaign manager for the party and a conservative activist. Conservative councillor for Haywards Heath, Rachel Cromie, is an admin on all the groups. "     Also interesting that Facebook groups opposing 20mph speed limit in Wales are being run by English Tories   Conservative-run anti-Ulez Facebook groups hosted racist and Islamophobic posts - Unearthed UNEARTHED.GREENPEACE.ORG Tory staff running Facebook groups described as 'cesspits of vile racism' WWW.THENATIONAL.SCOT TORY staff and activists are running Facebook pages which are riddled with white supremacist slogans and Islamophobic attacks... Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts   Conservative-run anti-ULEZ Facebook groups are rife with racist and violent posts - London Post LONDON-POST.CO.UK A coordinated network of 36 Facebook groups opposing London’s ultra-low emission zone (ULEZ), run by Conservative councillors and...  
    • Morning dx and thank you for your message.   With regards to your comment about them not needing to produce the deed, the additional directions ordered by the judge included 'a copy of any assignment o the debt or agreement relied upon'  so that is why I thought that point was relevant?
    • Sorry for the long post but I don't want to miss out any relevant information: My wife bought a car from Trade Centre UK and have been having nothing but trouble with it. Unfortunately we paid of the finance used to buy the car as we weren't expecting this much trouble with the car as we we though we would have protection as buying from a dealer. We are wondering if we can still reject the vehicle since the finance plan has been paid off. Timeline is as follows: 13/12/2023 -15/12/2023 Bought car from Trade Centre UK for £10548 £2000 deposit paid on credit card on 13/12/2023 £8548 on finance from Moneybarn (arranged through Trade Centre UK). picked up car on 15/12/2023 Also bought lifetime warranty for £50/month 25/12/2023 Engine Management Light comes on. The AA called out and diagnosed the following error codes: P0133 - Lambda sensor (bank 1, sensor 1) Oxygen Sensor. Error Message : Slow reaction. Error sporadic P0135 - Lambda sensor heat. circ.(bank1,sensor1) Oxygen Sensor. Error Message : Component defective Due to it being Christmas took a few days to get through to them but they booked me in for 28/12/2023 to run their own diagnostics. 28/12/2023 Took car in to Trade Centre so could check the car – They agreed it was the Oxygen Sensor and Booked me in for repair on 30/01/2024. I was told they had no earlier slots, and I would be fine to carry on driving car when I said I was afraid of problem worse. During diagnosing the problem, they reset the Engine Management Light. During drive home light comes back on. 29/12/2023 - 29/01/2024 I carry on driving the car but closer to the date, engine goes to reduced power every now and again – not being a mechanic I presumed that this was due to above fault. 20/01/2024 Not expecting any more problems paid off the finance on the car using personal loan from bank with lower interest rate. 30/01/2024 Trade Centre replace to O2 sensor (They also take it on a roughly 60mile road trip which seems a bit excessive to me – I can’t prove this as something prompted me take a picture of milage when I handed car in but I forgot take one on collection – only remembered next day.) 06/02/2024 Engine goes in reduced power mode again and engine management light comes on – Thinking the Trade centre’s 28 day warranty period was over I booked the car the into local garage for the next day to get problem fixed under the lifetime warranty package. Fault seems to clear after engine was switched off. 07/02/2024 In the Morning, I take it to local garage who say as the light gone off – the warranty company is unlikely to cover the cost of the repair or diagnostics and recommend I contact them when the light comes back on. In the evening the light comes back on and luckily I manage to get it back to the garage just before it shuts for the day. 08/02/2024 The Garage sends me a diagnostics video showing a lot error codes been picked up by their diagnostics machine including codes for Oxygen sensor and Nox Sensors, Accelerator pedal and several more. Video also shows EGR Hose not connected to the intake manifold properly, they believed this was confusing the onboard system as it is unlikely this many sensors would trigger at same the time but they couldn’t be certain until they repaired the hose. 13/02/2024 Finally get the car back as it took a while to get approval and payment for the repairs from the Warranty company. Garage told me to keep an eye the car as errors had cleared with the hose but couldn’t 100% certain that’s what caused the problem. 06/03/2024 Engine management light comes on again. Fed up I go into Trade Centre as I was just around the corner when it happened and asked them how to reject the car or have the problem fixed. They insist that as it’s over 28 days I need to get the car fixed under the warranty package I purchased and they could no longer fix the car as it was over 28 days. When I tried telling them it appeared to be the same or related problem they said they couldn’t help as I hadn’t contacted them earlier. I asked them if they were willing to connect the car to the diagnostics machine and tell me what the problem was, as a goodwill gesture, which he agreed to do and took the car to the back He came back around 30 minutes later and said they took a look at the sensor they replaced previously and there was nothing wrong with it and engine management light went off when they removed the sensor to check it. When I asked what the error code he couldn’t give me an exact fault but the said it one of the problems I told him earlier (Accelerator pedal). I have this visit audio recorded on my phone – I informed the reps I was recording several times. As the light wasn’t on, local garage couldn’t book me for a repair under warranty. 07/03/2024 Light came on so managed to book back into local garage for the 12/03/2024 Whilst waiting to take car into garage, I borrowed a OBD sensor and scanned for errors on the car. This showed the following errors: P11BE – Manufacturer specific code (Google showed this to be NOX sensor) P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow 12/03/2024 Took car to local garage and the confirmed the above errors. This leads me to believe that either Trade Centre UK reps lied and just reset the light or just didn’t check properly (Obviously I am unable to prove this) 22/03/2024 Finally got the car back as according to garage, the warranty company took a long to time to pay for the repairs 28/04/2024 Engine management Light has come back on. Using the borrowed OBD scanner I am getting the following codes: P0133 - Oxygen (Lambda) Sensor B1 S1: Response too Slow P2138 - Accelerator Position Sensors (G79) / (G185): Implausible Correlation I have not yet booked into a garage as I wanted to see what my rights are in terms of rejecting the car as to me the faults seem related. I can’t keep using taxi or train to get to work every time the car goes into the garage as it is getting very expensive. Am I right in thinking that they have used up their chance to repair when they conducted the repair end of January or when they refused to repair it in February ? If I am still able to reject the vehicle could you point to any sample letters or emails I can use. Thankyou for your advice on my next steps.
    • Ok noted about the screenshot uploads. In terms of screwing up I had one previous ticket that defaulted and ended up in a CCJ from Southend airport because for some reason during COVID I didn't receive their claim form just a notice of default. This hospital ticket was the 2nd ticket that went to CCJ due to a lack of knowledge of the process. Maybe it's easier just to pay them in future I'm thinking though, I don't get them very often anyway
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12 Year Old Debts


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Could anyone advise me as to where I stand? About 13 years ago we got into quite a lot of financial difficulty (and I mean a lot) Bankcruptcy was a serious option! Instead we went to the CAB and arranged payments for all of the people that we owed, we have paid every month without fail through the bank for twelve years. Since then we have got on with our lives, moved several times, had kids and eventually bought another house and avoided making the same huge mistakes. But now I have a letter from a debt collection company asking us to complete an income and expenditure form to review the agreement! I think it may be a hoax (we did have one last year) but it does appear very official and although it isn't at all specific there is HFC in their refernce line. This has brought that whole horrible sick feeling flooding back especially as HFC were the most unpleasent of those we owed. Any advice on where I stand 12 years on would be hugely appreciated. Thanks x

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Hi TJ, are you still paying for this debt? And if so do you have any idea how much is still outstanding? On the face of it the DCA are probably chancing it in the hope that they can make a fast buck out of a bit of scaremongering which is what they are good at.

 

I think you will find a few helpful letters in this lot.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Letter N is the CCA request letter which basically asks them to prove that they have the right to collect the debt.

 

If you are sure you have paid everything off then there could be dodgy dealings afoot:eek:

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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I am still paying them all. In truth there are some I probably have paid off I pretty much just acceted the £96 that goes out of my account every month and have ignored it all since the aggreements were put in place. HFC was the largest and nastiest of the bunch!

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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I think you need to have a serious look at the whole situation, if you still have the records of course. Twelve years is a long time and at £96 a month you have paid nearly £14k back.

 

If it is a debt collector then chances are HFC have sold what is left of the debt on - in which case they will have sold it for 5 or 10% of its value.

 

How much was the original HFC debt and how much of the £96 was going to them? If you don't mind me asking:)

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
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The original loan was for £5000. If i remember correctly when we went to the CAB the debt was about £6500 (despite paying £120 a month for about a year and a half!) £18 of the £96 goes to them!! I do still have the records that the CAB sorted out (although they are buried somewhere in the back of a cupboard)I will have to pull them out ( I can't beleve between them I've paid 14k!!!!!) The company who has contacted us are called TBI Financial Services.

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Sounds to me as if you have paid enough. Strangely it seems to be that once these DCAs start to get greedy people find sites like this one and realise that they are being ripped off and then the DCAs get no more money. I can't understand why they decide to upset the apple cart if they are getting a regular payment from someone. After all if they hadn't given you grief you would probably have happily paid them for another few years.

 

Definitely time to take control of your situation. Get that cupboard emptied this weekend and finish what they started:p

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
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rite i have just done the sums and this is what i done.

 

18.00*12= £216.00

£216.00*12= 2,590

 

unless i have done my sums wrong.

 

i would send them a prove it letter and then S.A.R - (Subject Access Request) the bank

 

96*12= £1,152.00

£1,152.00*12=£13,824.00

 

unless i have gone wrong some where.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I worked it out on twelve years:D

 

Anyway it is still a lot of money to have paid out.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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i put 14 but worked it out on 12. I was very tired yesterday but could not sleep.

 

Yep i agree with that. Some of the debts may even be over paid by now.

 

I think all you paperwork needs digging out and seeing what you have been paying each company and what you owed them. Also see if you we paying fees to any company that you could reclaim like PPI interest and overlimit fees.

 

these would be in statements BTW. Also another thing depending on who u owe i l CCA each company.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I am definitely going to have to ge everything out. One of the companies I have definitely overpaid as I pay them £25 per month and that one was only about £2700 back then! The problem is that when we moved I didn't actually tell anyone just kept making the payments and igonored it all. Now I'm concerned that if one has crawled out of the woodwork the rest might. Also I'm very concerned about added charges, although they all agreed at the time that all interest etc would be frozen many of them I have coreesponded with in absolutely years. Realistically if we'd had just filed for bankcruptcy we'd have been cleared years ago, definitley a mistake to go the 'pay them all back route':mad:

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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I do wonder if it does go to court eventually how sympathetic a judge would be to the DCA anyway when he can see that we've clearly been consistent in attempting to pay everyone back and have never missed a payment. Thankfully its always been through the same bank so if need be I can get past info from the bank (I have the last 7 years to hand thanks to the whole bank charges thing)

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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I think you would be fine in court if it got that far, which I seriously doubt.

 

These DCAs are preying on vulnerable people a lot of the time and that is a serious concern as many of them are just paying up through fear.

 

Get your paperwork out and re-evaluate the whole lot. Then we can work out what you are going to do with each one.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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OK. Thanks loads for your advice. I'll be back with an update and no doubt after more advice once I've ploughed through the box that is a the back of the cupboard under the stairs (it will take me a weekend to get to the back through all the rest of the junk) :p

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Haha - you need those awful women from the telly to come and clear your house - just like me:o

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
Share on other sites

I will do both houses with out half the fuss

 

My advise to you is write to the company who you owed 2700 to and enclose the original document and ask for the excess money back.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Were the debts loans, credit cards, etc?

 

You need to send a SAR off to find out just what's been going on for the past 12 years on your accounts. I would also forward CCA requests.

 

PW

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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Ok. I bravely disappeared into the cupboard and dug everything out. Its actually 10 years not 12 (although it feels that is forever). Annoyingly the only one that I couldn't find anything about was the one I'm sure I overpaid, probably becouse it was one that I came to an arrangement before the ones with the citizend advice bureau. I haven't heard anything back from TBI and am holding fire to see if anything more coms of it. I know its cowardly but I can't help but think its a case of letting sleeping dogs lie. These people don't have my current address or number and while it is easy enough to trace us if they are bothered (same bank and a mortgage and same road makes us easy to find) I don't really want to wave a huge flag saying 'look at me....start harrassing me again please'. Are there companies I could hand this to do you think that will investigate on our behalf?? Or perhaps a solicitor if they don't charge a crazy fee.

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Oh yeah and to answer your question Paul the answer would be all of the above. The grand total in January 1998 according to the CAB paperwork was just over £21000. We did the classic get a loan to pay the cards, use the cards get another loan etc

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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Share on other sites

  • 2 weeks later...

Hi

 

Received another nastier toned letter from TBI. So posting off a very brief letter today which is brutally short. It bascially says 'I don't know who you are or what this is in regard to so bugger off until you supply the info' Off course I suspect that I do know what its about but they haven't identified it all all and it has been ten years without any correspondence. It just make me all warm and fuzzy inside to see that even ten years after our last horrendous experience with the likes of them they are still a bunch of *****!!! I mean I know we all have to work for a living but for god sake get a job where you don't have to be an arse!!!!!

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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  • 2 weeks later...

HELP!!!!! Ok nasty TBI have replied and are after £3157.63(HFC LOAN) plus accrued interest!!!!!! and £495.87 (HFC GM CARD)plus accrued interest!!!!!! :mad: I don't agree with the figures and the interest was supposed to have stopped when the CAB stepped in 10 years ago. At this point should I go with the requesting a CCA and also sending a S.A.R as I want to know all the payments from when the loan actually began and if they applied PPI. They want me to send and Income & Expenditure form which as far as I am concerned they can swing for but I am reeeeaaaaaly concerned about the 'accrued interest' part. They haven't said how much it is or anything and the tone of their letter is sarcastic at best saying 'I am sure you will recall you are currently making token payments'!!!! I hate DCA!!! Any advice or pointers would be hugely appreciated.....its been a while since any of this has happened and I am more determined this time round as I think after ten years of regular unfailing payment they are taking the mick crawling out of the woodwork now!!! HELP! HELP! HELP!

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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I wonder if it would be better to send them the statute barred letter now they have told you what they are chasing.

 

It is in the list of letters I posted on Post 2. I think that's what I would do if it has been that long.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

Link to post
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Hi

 

I couldn't see that letter in the list and would it be applicable as we have been making payments. At the moment I've prepared CCA letters and SAR's for both accounts but am holding them until I am sure thats what should be sent. I don't want to unwittingly give them any ammunition. Also how can we say we don't acknowledge the debt when we've been paying for ten years???

T J :p

 

 

S.A.R Sent 21/8/06

Statements and microfiche received 11/10/06

Request for payement of charges 29/1/07

LBA sent 21/2/07

MCLO filed 26/3/07

Acknowledgement of service recieved 4/4/07

Defence filed/received - transferred to Southend 30/4/07

Stayed unitl 27/6/07

Allocation & Case Management Conference 17/7/07 14:00pm

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I'd be tempted to go the CCA and SAR route, at least then you'll know where you stand. I don't suppose you have it in writing re the frozen interest? At the end of the day if they cannot produce a CCA they don't have a leg to stand on anyway :)

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Hi sorry I didn't re-read your thread - not the statute barred one then!

 

I would send the CCA and SAR letters - the CCA will prove whether they have an agreement to enforce and the SAR will give you everything they have on you - in theory - which might help with the frozen interest bit. Worth spending £11 if it gets them off your back.

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

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the CCA to the DCA and SAR to the original company.

 

40 days from RECIPT for the SAR

12+2 days for the CCA or if they recieve it b4 the 2 days 12 WORKING days.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

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