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can account be passed to DCA's if under dispute


johnDo
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had dispute about the sum charged on last and penultimate mobile bills as concerned of duplication and essentially incorrect amounts.

had 'use of' history for prior 16 months which show a steady pattern and amount that was half the sum charged for last two bills.

Concerned as discovered default few days ago with CRA. Thought that this mobile bill was and is in dispute!

what is the correct procedure to check the costing and accuracy of the bill?

How do I actually go about it and where are the regs that state no action can be taken whilst an account is in dispute? Or is that my moral niavity?

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  • 2 weeks later...

How did you go about disputing the sum? Was this done in writing?

 

If you have your bills, is it itemised to show a breakdown of charges?

 

The OFT guidance rules on debt collection state that it is unfair to not cease collection activity whilst investigating a reasonably queried or disputed debt and the firm involved would therefore be using deceptive/and or unfair methods. Although technically not collection activity if you have a reasonable query on an account then this should not be defaulted.

I am not one for providing a letter for this but would also suggest thatwhilst this debt is queried and disputed then there are Data Protection issues here relating to the information registered with the CRA. Basically is this information correct or not, if not then a complaint to the information registrar regarding a breach of the data protection act may be in order. I am fairly sure there is a template in the templates library that could be amended for this.

Rich (not LOL :D)

 

If I have been helpful please add to my reputation, if not then don't lol :shock:

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