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Hi just hoping someone could give me some advice please. I requested a copy of the credit agreement with Grattan catologue and they could not provide it so I put the account in dispute. A few days ago I received a letter from them saying" after reviewing the account they will not be pursuing the debt and no further collections activity will be taken but the details of the account will be registered with a credit reference agency." Can anyone advise me if they are allowed to still register this debt with the credit reference agency and if not is there a letter I can send to them. Thankyou in advance for your help.

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Unfortunately both the ICO & FOS seem to agree that even though a CCA may not exist the OC is still entitled to register information with the CRAs. You could try sending a s.10 notice http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980 also see; Knocked back by a DCA on a Sec 10 notice? - The Consumer Forums

 

Another method is to offer a full & final settlement with the proviso that any defaults are removed from your credit file. Remember tho' a default only remains on your file for six years from when the a/c went into default (five in Scotland).

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Unfortunately both the ICO & FOS seem to agree that even though a CCA may not exist the OC is still entitled to register information with the CRAs. You could try sending a s.10 notice http://www.consumerforums.com/resources/templates-library/86-debt-collectors/586-legal-notice-issued-under-section-10-of-the-data-protection-act-1980 also see; Knocked back by a DCA on a Sec 10 notice? - The Consumer Forums

 

Another method is to offer a full & final settlement with the proviso that any defaults are removed from your credit file. Remember tho' a default only remains on your file for six years from when the a/c went into default (five in Scotland).

 

I understand this practice has recently been challenged and a judgment will be handed down shortly.

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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another way is to reclaim any charges on the account to see if that will clear the balance

 

ida x

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Thanks for your replies which I found very helpfull. I have another problem now though, Grattan sent the letter on 28th september saying that they will not be pursuing the debt and no further collection activity will take place on the account and today I received a letter from EOS Solutions saying the account has been passed on to them and demanding payment. I rang EOS and explained that Grattan were not pursuing the debt but they didnt want to know. Can anyone tell me what I need to do now. Thankyou in advance.

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Send EOS this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/574-letter-when-account-has-been-passed-on-whilst-agreement-request-is-in-dispute enclosing a copy of the letter from Grattan. If they continue to pursue make a complaint to Trading Standards & the OFT.

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Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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