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Help with LIbrary template letter please. I don't understand something


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Hello abit of advice please.


I intend using the below letter from teh library as my disputed acc has been passed on to another DCA.





In this letter it states


I am in receipt of your letter dated XXXXX

This account is in dispute with **original creditor/DCA** and has been since DATE .

[b][u][color="#ff0000"]Not only is this[/color] [/u][/b]a breach of the Consumer Protection 

From Unfair Trading Regulations 2008

in line with the Office Of Fair Trading's debt collection guidelines, 

but also in breach of the Consumer Credit Act 1974 
and Data Protection Act 1998

My previous dispute from **DATE** has NOT been answered.


So my question is what is a breach.


1. the letter received from new dca?


2. the fact original bank has passed it on to another DCA while in dispute?


3. something else?


Many Thanks for any advice.

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Hi shaun


The breach is them passing it on whilst it's in dispute.


Of course, they might dispute that it's in dispute but if they had failed to supply a CCA or you had made a complaint under their formal complaint procedures then it would clearly be in dispute.


Best wishes



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