cca to aic . further contact?

[orange78]

Hi there , i have just recived a few days ago a postcard from aic, which had nothing more than a note saying "please contact this number from blah"

 

i moved house 18 months ago and had forgotten to update my address to my oc, and now am in this pickle of owing i do not know how much to aic, i am going to send a request for a cca to clarify what it is i owe, since looking at the forum it seems best that i do not phone them,

i was just curious even though the only contact i have had to where i am living now is a postcard, can i add to the cca template letter that i only want to communicate through letters? i am really really worried as i am living with my boyfriends family and would be distraught if they called the house phone or turned up at the door. do i have a legal right that they cannot discuss anything with anyone else? or can they turn up at the door and say "hi we are the debt collecters wheres xxxx?"

Any advice would be much appreciated!

 

Thanks !

 

orange78

[berrylover]

Yeah, send them this, recorded delivery, unsigned and with a £1 postal order.

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

Re:

Dear Sir,

With reference to the account above I would be grateful if you could send me a copy of the signed credit agreement.

I understand that under the Consumer Credit Act 1974 (sections 77-79); I am entitled to receive a copy of the credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand that a copy of the credit agreement should be received within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

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.

 

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

 

Be advised that any further telephone calls from your company will be recorded.

 

I await your written confirmation that this matter is now closed.

 

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I look forward to hearing from you.

Yours faithfully,

[mr.ton]

can they turn up at the door and say "hi we are the debt collecters wheres xxxx?

 

They can..but wont & even if so, have as much right to money off you as i do quite frankly