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Mass complaint ;Add your name here if a dca has acted incorrectly with your account.

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Would it be possible to take such a company to court en masse?

Surely if enough people have the same issue re bought debts that are not owed, or harrassment or such....we could fight this together...

 

a mass complaint looks the only way forward in ALL cases albeit DCA's or banks. FOS & OFT MIGHT and I MEAN might lift an ear,

 

hows bout bogging OFT down all send letters at same time complaining about your relevant complaint and add this is part of a mass complaint by the users/members of CAG


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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This form is well hidden on the OFT's website and appears to be for the use of solicitors, but I see no reason why individuals cant use to to bring DCA harassment to the attention of the authorities.

 

oft debt collection complaint form

 

Click on this link and you will get a PDF complaint form from the OFT.

 

Print it off, complete it and send it to:

 

Enquiries Centre

Office of Fair Trading

FREEPOST

London

EC4B 4AH

 

The more people who do this, the more chance we have of something being done.

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all we want is for these companies to abide by the law/acts/guidelines.


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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that not any good for us, it's for use by adivce agencies and organisations. so for it be be effective Bankfodder would have to do thousands of these forms on our behalf as CAG is a third party organisation


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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What on earth gives you that idea?

 

Just down load it and send it, FFS.

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The form relates to OFT Debt Collection Guidance http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

The complaint form specifically states " We would like your help in checking whether those licensed under the Consumer Credit Act are complying with the OFT's Debt Collection Guidance"

 

You want a way to bring DCA abuse to their attention and the OFT are asking you to do so.

 

What are you waiting for?

 

Someone to do it for you?

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lol kk, i'll print 22 coppies off for me then, lucky it freepost :D


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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The form relates to OFT Debt Collection Guidance http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

 

The complaint form specifically states " We would like your help in checking whether those licensed under the Consumer Credit Act are complying with the OFT's Debt Collection Guidance"

 

You want a way to bring DCA abuse to their attention and the OFT are asking you to do so.

 

What are you waiting for?

 

Someone to do it for you?

 

well............. if you wouldnt mind :p


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I will be useing to report NCO/RMA

 

The more complaints they get, the harder it will be to ignore them.

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Yeah- FREEPOST!

 

Its FREE- they want to hear from you and they will even pay for the stamp!

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:D

 

Happy to help. I love Marmite on toast.

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I cant see it, can anyone else?

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nope, i got 1 aswell, only apeared once in the last 100 posts


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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what address do we send it to

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lol, look on page 6 of the complaint form


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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WARNING- do not co-operate with g-men are they will frack you over even more!!!

 

I am not allowed to post what I need to post on this site!!!

 

Here is something i posted elsewhere but just as relevant here!!!

 

YOU CAN NOT FIGHT THESE B'STARDS!!! I DID AND WON- BUT I AM STILL SUFFERING TOT HIS VERY DAY!!!! YOU CAN NOT DO ANYTHING!!! ONCE THEY DECIDE TO FRACK YOU OVER THERE IS ABSOLUTELY NOTHING YOU CAN DO EVEN IF YOU DO SPEND THOUSANDS OF POUNDS AND THOUSANDS OF MAN HOURS FIGHTING THEM!!!

 

I DID, I WON BUT THEY'RE STILL FRACKING ME OVER TOT HIS VERY DAY!!! YOBS WITH NO NAMES- THEY HAVE THE SAME POWER AS G-MEN THESE DAYS!!!

 

THERE IS ABSOLUTELY NOTHING YOU CAN DO!!!! MERE MORTALS SUCH AS MYSELF AND YOU ARE NOT EVEN ALLOWED ACCESS TO THE COURT SYSTEM ANYMORE!!!! ALL YOU CAN DO IS SUICIDE OR FIGHT BACK, AND I CAN'T RECOMMEND THAT FOR LEGAL REASONS!!!!

 

WANT MY STORY? EMAIL ME!!!!

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Cabot - Harassment, not giving account info when asked, not reducing debt when payments are made.

 

Credit Security Limited - Harassment, adding on covert charges, not responding to queries, failure to provide documentation when asked, failing to keep correct and accurate records of account, abusive messages, threatening letters, taking payment and denying it has been received, buying/selling my account without informing me - the list goes on and on - even worse than Cabot.

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Capquest, non compliance with cca.

xxorlsxx

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mackenzie hall fall into this category, by not saying in their letter, who the debt is from IE: company name, how much the debt is for. I believe i have previously dealt with these people in writing invoking the statute laws. I have had to ask trading standards for help on this matter.

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lol LETS JUST FACE IT, they are all a bunch of numpties who CHOOSE to ignore the law to get cash out of you, if they were FORCED to abide by law and rules they would never get a penny out of any 1. hmmmm...........

 

got enough names in this thread to launch mass complaint yet?????????

 

but then again what would us Caggers to without any threat letters????????

 

 

catch 22


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Stay away from Trading Standards!!! They just frack you over even more and won't even 'pretend' to help you unless you give them DOB, NINO and Mobile number so they can track you for the rest of your life!!!!!!

 

Obviously won't put anything in writing for legal reasons!!!!!

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Have you had any communication or made payments in the last 6 years?

 

if not it's statute barred, send letter telling them so and to not contact you about this again, might be worth checking your credit file to see what it now says

 

If only, MrMarmite, then I would know which side my toast was buttered on!

I was paying monthly for years and cleared about 3/4 of the debt.

But I could try the statute barred approach just in case they dont have access to or incomplete records then see what transpires. Can allways return if necessary to

1/ the improper cca provided and/or

2/ refusing to deal with capquest as they have not shown a deed of assignment yet I have sent the £1 fee for it and the cca. Have recieved the cca (application actually)

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