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dark vader

Credit Security Ltd & £15 debt for BT non DD fees

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I have refused to pay BT a final bill of £15.46 due to the fact that i have asked and written on many occasions since december 2011

 

the particulars of their processing fee which i was getting charged for paying by non direct debit ,

 

CSL (debt collectors) wrote to me on the 5th dec 2012 demanding the £15.46 ,

 

they also rang a friend (3rd party) on the 10th ,

 

5 days after contact by post so they had direct contact with me already,

 

has anyone else claimed for this breach by a debt collector ?

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You could make a complaint to the OFT, because this is indeed a breach of their guidelines.. and all for £15.00 !!

 

Did they pass on any of your details to the 3rd party ?


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'Using neighbours to pass on messages to trace subjects is an unacceptable practice that contravenes our debt collection guidance. It has the potential, whether unintentional or not, to lead to the disclosure of private financial affairs and to cause distress and embarrassment, and we have made this clear in discussions with the Credit Services Association.

 

From an OFT press release in 2009 in respect of Link who also used to do this quite a lot.


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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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im unsure ,

 

but its clear that they hide behind the CSL image to the sofa people etc,

 

i have written 1 letters with 14 days in regards to the contact of a 3rd party when they clearly had direct access to me as proven by the letter,

 

this contact under the FDCPA is clearly a breach and has a valid claim for damages,

 

regards to the BT refusal it seems to be a common problem that BT do not have the particulars for the processing fee

and every one i speak to there gives me a completly differant answer

Edited by dark vader

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