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langtonhighway

first Collect Direct, now Fredrickson Int - what's happening?

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Been arguing with Collect Direct about a Credit card from Egg which I defaulted on through lack of money. Egg have not produced a CCA, I kept telling Collect Direct this, but they just ignore me. I offer interim payments, which they ignore. I ask for statements of account, which they ignore.

 

Now I have another "pay up or else" letter but this time from Fredrickson International Ltd from Surrey. Have Collect Direct sold it to them? Or is this another arm of Egg? Why have they sold it on?

 

I've SARd Egg, and they have replied saying my docs will arrive mid August.

 

Shall I just write to this new group and tell them all of this - they are phoning me about 20 times a day, every day.

 

Thanks.

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Just send Freds the bemused letter - this is in dispute so should not have been passed on to another DCA. Looks like Collect Direct knew they had a dud, so have passed it on.

 

ACCOUNT IN DISPUTE

 

Your Reference:

Client reference:

 

 

Dear Sir or Madam,

 

I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***OC*** and has been since ***Date***

 

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

 

As ***OC*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Now I would respectfully suggest that this account is returned to ***OC*** for resolution of these defaults and breaches, as ***DCA*** cannot lawfully pursue any enforcement activities.

 

If ***DCA***chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

 

Yours faithfully

Print do not sign your name


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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