westcot account in dispute no CCA but this letter

[alchemy9]

this is the letter I sent via recorded delivery so it went into default on 20th May, today I got the attached- see below what do I do next?

 

firstly it is past the dispute date and still no cca agreement....

 

ACCOUNT IN DISPUTE

adress xxxx

 

Date: 30th May 2009

Ref: Debt Number D3/xxxxx

Dear Sir/Madam

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On 6TH May 2009 I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8.

You have failed to comply with my request, and as such the account entered default on 20th May 2009 (12+2 days after you made the initial request).

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you/your client enters into a default situation.

This limit has expired.

As you are no doubt aware section 78(6) states:

If the creditor fails to comply with Subsection (1)

(a) He is not entitled , while the default continues, to enforce the agreement.

Therefore this account has become unenforceable at law.

As you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested. You will also be aware of the CPUTR 2008 and the OFT's guidelines on debt collection which state under the title Deceptive and/or unfair methods - Examples of unfair practices are as follows - 2.8

(i) - 'Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued'

(k) - 'Not ceasing collection activity whilst investigating a reasonable queried or disputed debt'

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

Should you not respond within 14 days I expect that this means you agree to remove all such data.

Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

Yours faithfully

xxxxxxxxxx

letter back.doc

[PGH7447]

is this a loan? judging by your previous thread then the answer is yes, in which case I would wait for them to start the court proceedings and let them screw it up.

 

also the letter no doubt on a bright red background says they MAY not they will start proceedings

[alchemy9]

You are correct it is a loan, and on a bright red background.

 

I did notice the May rather than they will start proceedings.

 

 

When all this kicked off it was very scary. Now I want to have my day in court with this rabble.

 

Can I claim the money back I have already paid them as they have not provided a cca? If I can how do you suggest I proceed?

 

Ian

[PGH7447]

You are correct it is a loan, and on a bright red background.

 

I did notice the May rather than they will start proceedings.

 

 

When all this kicked off it was very scary. Now I want to have my day in court with this rabble.

 

Can I claim the money back I have already paid them as they have not provided a cca? If I can how do you suggest I proceed? Fraid not on this score

 

Ian

 

Chances are they will not start any thing, but just sell it on or pass it back to the OC

[alchemy9]

are they allowed to sell a debt on if it is in dispute?

[PGH7447]

no but they do, all you then do is send the bemused letter to the new pondlife

[sam614]

should not,but they do:rolleyes:

 

SAM:pLOWELL DETESTER