"Empire strikes back."

[microbar]

I have finally seen the light at the end of the cca request tunnel.

I cca empire catalogue

I did originally offer to pay a token payment.

As my chronic arthritus prevents me from working.

 

But they refused my offer.

Shop Direct sent me out a blank credit agreement.

They said they did not have the executed agreement,

they then ignored my account in dispute letter and started adding charges

 

via NDR. I contacted NDR and explained my account was in dispute.

And they should not be adding charges,

They then said they would look into it

 

I received a letter this morning from shop direct,

They said they would not be pursuing this debt now

 

But it would still show on my credit file as unsatisfied

Can I dispute this as they do not hold a signed executed agreement

 

So therefore they do not have permission to use my data.

Edited March 31, 2009 by microbar

[dx100uk]

quite correct

if they hold no cca then thay cannot process your data.

 

dx

[microbar]

quite correct

if they hold no cca then thay cannot process your data.

 

dx

 

Thanks for your reply dx100uk

who do I contact to get this default removed ?

IE do I Query this with equifax etc

[dx100uk]

yep write them a letter stating the data they have was placed by a co that does not have the right to process your data & could they please remove it.

give them 14 days,

 

there is a large thread on this & what to do.

 

have a poke around the forum.

 

dx

[cerberusalert]

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 21 days I expect that this means you agree to remove all such data.

 

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

You have 21 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

 

 

Print DONT sign and send by recorded delivery minimum.

[microbar]

After being Informed by shop direct that they would not be enforcing this debt,I have received 2 default notices over the last 2 month,

the only excuse shop direct come up with is that it can take time to close the account down.I have once again filed a complaint to shop direct complaints dept for this months default notice, But they just tell me they are looking into the matter when I file a complaint and nothing is done.

Can anyone suggest a suitable letter thanks.

[42man]

Title the next letter LETTER BEFORE ACTION and send it to the Managing Director !!

[42man]

Can you post up the default notices....when I said title the letter LBA, then add it to the top of Cerberus''s letter above....

[microbar]

I cca empire stores jan 2009 and after 2 months of letter tennis,

With the usual threats lies and phone calls.

It came to light that they did not have a signed agrement,

I received a letter in march 2009 confirming that they will not be pursuing the account for the outstanding balance,

Signed by Mark Warburton admin support team.

 

But today out of the blue i have received a default notice on this account,

And a letter telling me if i dont take action by a certain date,

then court action may be started.

and to contact them with a payment offer.

can anyone suggest a suitable reply to this thanks.

[cerberusalert]

Yes, send them this http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale and enclose a copy of their letter from the baker's son.

[harrassed senior]

Have you checked your credit files, to see if there is any info on this registered, if so and it is the DN mentioned above you should make sure that they remove that, as per the above advice regarding timescales.

[microbar]

Yes, send them this http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale and enclose a copy of their letter from the baker's son.

 

Yes thanks for that cerberusalert will get that letter off.

I had to laugh at the bakers son bit lol,

thanks again.

HS Will check my credit file for this DN Thanks.

[gyos]

I can't believe you didn't take the opportunity to title this thread -

 

"Empire strikes back."

 

Sorry.

[microbar]

I can't believe you didn't take the opportunity to title this thread -

 

"Empire strikes back."

 

Sorry.

 

Yes nice one gyos like an england striker i missed the target lol.

[cerberusalert]

There you go, done it for you.

[microbar]

There you go, done it for you.

 

Thanks. May the force be with you cerberusalert lol