1st Credit no cca threatening charging order

[zazen.warrior]

I use this one for 'solicitors' these days.

I refer to your letter of******* the content of which is noted.

 

PLEASE SEND ME A COPY OF YOUR COMPLAINTS PROCEDURE

Frankly, I am surprised by the need to remind a firm of solicitors about the terms and conditions surrounding my legal request for a true copy of my Consumer Credit Agreement (Consumer Credit Act, 1974) received by ******* on *******.

 

I can only assume therefore that ******* failed to inform you that the account remains in dispute through *********’s non-compliance with this request.

 

Your letter is clearly, therefore an unlawful demand for payment and is, in my view, contrary to s.5(2), s.6(a)(b)© and s.7 of the Consumer Protection from Unfair Trading Regulations 2008 as well as being in breach of the OFT guidance on Debt Collection.

 

For the avoidance of any doubt, no payment will be forthcoming in respect of this alleged debt.

 

Should ******* persist with threats of legal action, I would very much welcome the opportunity for a judge to look at several offences committed by ******** under The Data Protection Act, 1998 and The Consumer Credit Act, 1974, as well as***********’s non-compliance with and total disregard for the law on this occasion.

 

Take notice that any further collection activity will be viewed as harassment and action taken accordingly. Further, unless you can provide evidence of my explicit consent to the processing of my data by ********I now require you to confirm that you have deleted all my personal data from your systems. Failure to comply will result in a formal complaint to the Information Commissioner.

 

In the circumstances, I am unable to enter into further correspondence with you. Any further contact from you, other than to confirm that you have closed your file, will be viewed as harassment and treated accordingly.

 

THIS IS THE SUBJECT OF A FINANCIAL OMBUDSMAN SERVICE COMPLAINT.

 

If you do not understand this letter you should pass it to someone who does

 

Kind Regards

Edited October 5, 2008 by zazen.warrior