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yes car and a default


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Thank you for your email to the Office of Fair Trading (OFT).

Unless your email concerns a [problem], we will usually respond to standard enquiries within 10 working days.

If you are writing to us because you wish to report a [problem] please accept this e-mail as an acknowledgement and refer to the end of this email for further information. For requests for information under the Freedom of Information Act, we will respond to you within the statutory limit of 20 working days.

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Right you have given this shower enough rope so now its time to hang them by it.

 

Dear Ms Ferguson

 

I refer you to my previous correspondence regarding this matter.

 

On XXXXXX date I made a Legal request for a copy of a Credit Agreement you say was signed by me. You are doubtless aware that in accordance with the Consumer Credit Act 1974 you had 12 working days in which to produce it. You have to date failed to comply with my LEGAL request and as such are in default. As members of the CSA I am sure I do not need to remind you of the OFT Guidelines on the collection of debt. You are in breach of several of these guidelines as well as those of your Trade Body the CSA. As a consequence you are also committing an offence under the Consumer Protection from Unfair Trading Regulations 2008.

 

I will not enter into any further discussion with you or your company regarding this matter until you rectify the DEFAULT in my CCA request.

 

Please take this letter as a formal complaint and send me details of your customer complaints procedure which you are LEGALLY obliged to provide upon request.

 

I will be reporting the actions of your company to Trading Standards, the OFT and the CSA and to whomsoever else I see fit.

 

yours etc

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It's a standard reply, don't worry. If they need any further information they'll get back to you. They are being inundated by complaints against DCAs & they don't normally deal with individual complaints. However, the more people that complain gives them a bigger picture as to the problem.

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ok i will send that letter away tomorrow ,but i think they are just goping to send another final notice letter or this same letter ,but thanks for the info everybody

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  • 2 weeks later...

ok this is what i got back from them now .seem i got passed on to somebody else now ? hope you have got idea's of what is going on now

 

 

 

 

Direct Legal & Collections \ Hillesden Securities Ltd

 

I write in response to your recent letter and note your comments therein. Please be advised that the above referenced account was passed for collection to ScotCall from our client Direct Legal & Collections on 11/2/09.

 

I can advise that we are unable to provide you with a signed copy of agreement, therefore the account has been closed on our system and returned to our client. -

 

With regard to rectifying the default notice logged with any Credit Reference Agencies, please be advised that ScotCall have not registered a default on this account.

 

I would advise that you contact our client direct, quoting their reference number , for the information you require.

 

ScotCall have no further information that we can provide to you.

 

As requested, please find attached copy of our Complaints Procedure.

 

Yours sincerely

 

Correspondence Department

 

Enc

 

Registered in Scotland No. SC127277 Consumer Credit Licence No: 307076

 

Please note that, for the purposes of training, telephone calls may be recorded.

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Whose the letter from? Direct Legal or Hillesden? Without reading back thro the posts I assume you have checked with the CRA with regards to the default. From readding the above it doesn't sound like they can produce anything.

DG:)

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I have no legal training my knowledge comes from my personal life experiences

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well hillesden was the company that had the debt first and tried to collect,then passed it on to belfast collection services to collect

 

now i got this letter with letter head (scotcall debt collecting service )

address in glasgow its the same logo as belfast collection agent but different heading and company now

 

sorry who are the CRA?

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well do i have to do something now? or is it all gone except the listing on my file ?

 

 

sorry all most forgot thanks everybody that helped with this long story !!!

thanks alot you guys and girls helped me alot

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DLC/Hillesden will have had the account and Scotcall/Belfast would have been acting as agents for them.

They could not register a default if they were not assignees (owners of the account)

 

If its been passed back to the OC then there could not have been any assignment otherwise they would (or should have) had the documentation.

 

Your credit file will give the details of who has registered and default there and who you need to contact (if of course there is a default there)

 

Its not to say that the OC will not pass this on again-you need to get a response from them and an assurance that they will not be passing this account on.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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