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New to this forum, any pointers greatly appreciated.


I foolishly signed a Personal Guarantee for 2 lease cars. 6 months after they had taken the car back they have wrote to me at home, marked 'final demand', this was on 20th Dec. I kicked off with them and said I had not received any previous letters or reminders and I disputed the account.


On 24th Dec I then got an email from a debt collector saying they were now dealing with it (no response whatsoever from the company), 4 days after the 'final demand'.


The debt collector sent me file copies of invoices that were (incorrectly) addressed to my work, along with a copy of the Personal Guarantee. They also sent me a copy of another persons PG, which showed his address, signature and DOB. I didn't really need to see this.


I have looked at the PG document and it says that all documents will be sent to me by 'first class recorded delivery'. They definitely didn't because I would have seen them (and remember they even had my business address wrong).


The company (not the debt collector) threatened in their 'final demand' to put a Default against me, but there is nowhere in the PG that mentions a Default. It does however confirm that it is regulated under the Consumer Credit Act, therefore do they not actually need to mention a Default'?


Most of the 'debt' is for marks and scuffs on the cars. They were pretty mint when we sent them back. And after 6 months I am guessing it would be difficult to prove either way.


Are they acting within their regulations here? Or do you think I have some good arguments? Many thanks.

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Timoti! Welcome aboard... I would normally comment on this one but its a hard one.

One of the other guys will come along and help out


Who is the DCA?


We could do with some help from you.


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Receptaculum Ignis


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Thanks fkofilee. The DCA is P&A Receivables. I'm more mad at the car lease company ALD Automotive, but I suppose P&A shouldn't be disclosing other consumer's personal details to me.

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