Problems With Cleared Debt - Debt Collection Company

[powerful_rogue]

Last year I had an outstanding balance of £1200 owing to a Debt Collection Company.

 

Before I got my mortgage I paid off a £1200 debt in full and received a letter stating that the debt had been cleared. I spoke to them on the phone and was advised my credit file would be updated to reflect this. This was in Sept 2005.

 

In November I applied to have my bank account upgraded from Visa Electron to Visa but was declined. I sent a copy of my credit file and a letter showing the debt had been cleared and was then accepted.

 

Three months ago I got a copy of my credit report and it showed £1200 still outstanding. I contacted the debt collection company and they stated they would have my credit file updated to show the debt settleded.

 

Last month I applied for a new bank account but was declined. I sent in a copy of my credit report and a copy of the letter showing the amount had been paid in full and was then accepted on appeal.

 

I have no tried to get extra funds on my mortgage for home improvement but was told today I had been declined due to this pitstanding debt. I explained the situation and was told if I send a copy of the letter in showing it had been cleared then I will be accepted.

 

Is there any action I can take against the debt collection company as this is now beyond a joke.

[powerful_rogue]

Just contacted the debt recovery company and asked for them to email me a copy of the letter stating the balance was cleared in September. (Other letter is currently at mother in laws and shes on holiday!)

 

Was told that if I dont get the letter today then then I will get it Monday. Was advised to send a copy of the email on to experian when it arrives and they will update my credit file!

 

The cheek of it!

 

Will be contacting them every hour until the email is received. I need this to get the loan accepted and if it wasnt for their poor service I wouldnt need to be waiting for this letter.

[powerful_rogue]

Well made numerous calls yesterday, but no email.

Was told it was sent to the wrong email address, and they would re-send it! Shocking

 

Phoned up today and was told there is no-one in the office able to send emails on a weekend and will have to wait till Monday.

[Mistermind]

All debt collection companies need to hold a licence from the OFT their regulator, a licence which needs to be renewed, annually(?)

 

In your next letter possibly raise the above question with the debt collector to concentrate his mind if he wants to stay in business.

[mrmarmite]

any out come on this thread?

[mattyarmouth]

?????

 

 

Please help with my case

http://www.consumeractiongroup.co.uk/forum/legal-issues/226535-help-set-aside-do.html#post2509926