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The nightmare that is Roxburghe ....

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Any comments on these blighters ....


Depiste knowing the account is in dispute, they just keep on ringing and writing with letters of threats of court (we may do this .. we may do that ...you get the idea) ... inferring in the letters that I haven't made any response to either them or the OCs demands for payment ....


Just wondered what you guys think of them, any experience of them ... etc ...

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Roxburghe are as laughable as all the rest of the DCA outfits out there.


Absolutely zero to worry about what do they think they are going to do?

If they have inferred court, then hit them where it hurts and request the information they intend using in court using the civil procedures rules, it costs you nothing and will shut them up as they foolishly spout off the legal action/ court action is imminent threat, without ever thinking about the ramifications of their words, utter fools.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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Send them this:


Re: Harassment by telephone



Dear Sirs

I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

I now require all further correspondence from your company to be made in writing only.

I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

Be advised that any further telephone calls from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)

Yours faithfully,



Section 40 of the Administration of Justice Act

“S40 Punishment for unlawful harassment of debtors.

A person commits an offence if, with the object of coercing another person to pay money claimed from the other as a debt due under a contract he- harasses the other with demands for payment which, in respect of their frequency, or the manner or occasion of making any such demand, or of any threat or publicity by which any demand is accompanied, are calculated to subject him or members of his family or household to alarm, distress or humiliation; falsely represents, in relation to the money claimed, that criminal proceedings lie for failure to pay it; falsely represents himself to be authorised in some official capacity to claim or enforce payment; or utters a document falsely represented by him to have some official character, or purporting to have some official character which he know it has not.

A person may be guilty of an offence by virtue of sub-section (1) (a) above if he concerts with others in the taking of such actions as is described in that paragraph, notwithstanding that his own course of conduct does not by itself amount to harassment.”

and this:

Dear Sir/Madam,



This is in acknowledgement of your letter dated ................and also of .............The contents of which have been duly noted.

Further to you stressing that county courtlink3.gif proceedings will be actioned by yourselves should I fail to make contact/stressing that proccedings are about to be commenced in regard to alleged sums outstanding and alleged owed by me on the above account,I remind you of Civil Procedurelink3.gif rules protocols. Nevertheless in my response to your letter please be advised of the following.



I put forward that you now have a requirement to provide me with;



1) A true copy of the executed credit agreement and any terms and conditionslink3.gif that applied to the account at the time of default and at the time the account was opened. Please note that a "true copy" as defined by the Consumer Credit Act will not be acceptable in this case, and a copy of the actual executed agreement, including signaturelink3.gif, is required.


2) All records you hold on me relevant to this case, including but not limited to


1. A transcript of all transactions, including charges, fees, interestlink3.gif, payments and both the amounts of credit and any repayments made to the account.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations

3. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by me with........... is required.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditionslink3.gif, date it was added and deleted (if applicable).

6. Details of any collection charge added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998.

9. A list of third party agencies to whom you have disclosed my personal datalink3.gif and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.


I make this request to ensure that each party has equal footings which can allow action to proceed speedily fairly and without undue costs or waste of courts time,as defined within Pre-action Practice Directions -Protocols 4.6 of the Civil Procedures Rules.

I will give you 14 days to respond with the above,failure to comply will result in a complaint being made to the Court./In addition to the foslink3.gif for any breaches of OFT and CCA codes.This includes breaches as a result of initiating a Country Court claim where failing to provide or produce documents make litigation improper..

Specifically this relates to one or any number of the following;


* demand any payment on the account, nor am I obliged to offer any payment to you.

* add any further interest or charges to the account.

* pass/sell the account or outstanding balance to any third party.

* register any information in respect of the account with any of the credit reference agencieslink3.gif.

* issue a default notice related to the account.


Furthermore,I reserve my right to make a copy of this letter available for inspection to the Court and Financial/Consumer regulators should you fail to comply with this request.

I await your response,and should you need further clarification on any of the above points,then I suggest that you direct them to your legal department.

Every journey begins with a single step :):)


Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.


If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You


The only person entitled to your Personal Finance details is a Judge not a DCA


Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Thanks guys .....


I've also put in my letter that their unquatified threats of court, continued pursuance of a disputed debt, and their telephone calls demonstrate a clear programme of harrassement, designed to intimidate and badger the individual - of which their behaviour is to be reported to the OFT and TS, with a complaint made about themselves and also the Creditor, who has employed them to act as their Agent, and so are equally responsible for their behaviour in this matter.


So shove that up yer pipe Mr Roxy .... !!!!

Edited by Abby25

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"designed to intmidate and exploit the alleged debtors lack of knwoledge"

Your response has been reported to the OFT and TS and has been recommended that your use of a consumer credit license be withdrawn due to your failure to abide by the basic recommendations.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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