elliesnan v jd williams and kays catalogues

[elliesnan]

l have just looked at my credit file and have found that kays have put big red no payments on my file. Been reading through some threads so could someone confirm for me that as they have not been able to supply CCA that they should not be passing on data to a third party? s there a template letter anywhere that l can send them if not how long should l give them to remove the data they have put on credit report. Thanks

[elliesnan]

l finally found a nice letter in the general debt forum so ive picked bits out of it basically saying no cca you cannot put any adverse comments on my credit reference file so ive given them 7 days to reply and ive threatened them with informing the relevant authorities if they do not comply

[elliesnan]

the JD Williams account has been round a couple of DCA'S over the last couple of years, a "BEMUSED" letter sees them off. Latest DCA a company l've never come across b4 called UK SEARCH LTD have sent this reply.

Having read your letter and put forward your query to JD Williams the replt was as follows DEBTOR RAISED SAME DISPUTE WHEN ACCOUNT WAS WITH WESCOT (THAT WAS THE LAST DCA WHO QUICKLY GAVE UP)

You were advised at the time all disputes had previously been dealt with (no its not still waiting for CCA) and if there were any further disputes you were to put them in writing and forward them to JD Williams apparantly you have not done this.(strange) We have been advised to carry on and collect, however l will await your reply b4 l allow this account to proceed.

 

I am totally bemused by this reply what sort of response should l give if any.

[elliesnan]

found a good letter on another thread so thinking of sending this

22 February 2010

YOUR REF:

Dear Sir

In response to your undated letter received by me on 18 February 2010

You should take note that I do not acknowledge any

debt to yourselves or your client.

I am informing you that this alleged debt is the subject of an unresolved dispute between myself and your client. Please be aware that as such I have no intention of entering into any dialogue with your company.

This matter has already previously been passed around numerous agencies whilst in dispute with JD Williams and subsequently returned to JD Williams very quickly on emergence of the facts. I am also aware of the OFT Guidelines on collection Practices in as much as you should cease collection activity and return this account to your client whilst an unresolved dispute exists.

Should you choose not to return this account to your client, I require you to send me a document copy of your formal complaints procedure by return. Furthermore, should your next letter be anything other than to confirm the return to your client I will view this as a direct act of Harassment and will take action accordingly

 

I look forward to your response and due diligence in this matter.

 

Yours faithfully,

[elliesnan]

just to update on this, the DCA have now passed this on to a solicitors called Incasso ( funny how the addy on the envelope is the same one as the DCA) naughty! Sending a strongly worded letter to the solicitors and a letter to DCA asking them for their complaints procedures before l report them for breaching OFT collection guidelines.

[elliesnan]

these muppets are really getting on my nerves! they have sent a reply saying if l want them to ask JD Williams for a credit agreement l will need to send them a £1! What planet are they on. They do not seem to understand any of the letters l have sent them and the one l sent to the so called solicitors has come back clearly from the DCA! l do not really know what sort of reply l can send as we seem to be going round in circles. They have sent me a copy of their complaints procedures. Any help as to what reply if any l should give would be gratefully accepted.

[elliesnan]

advice anyone pls? I'm thinking of just ignoring them now and see what steps they want to take next cause l really cant think of anything else l can write to them to get it through their thick skulls! lol