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blair,oliver and scott(non compliance).

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I wrote b.o.s on 14may requesting a copy of cca but i've heard nothing from them since,



so they've defaulted and commited an offence.



does anyone have suggestions about my next course of action.

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Write and tell them that. Tell them that the account is now unenforcable and that they must not


1. ask you for payment

2. add any charges or interest to the account

3. pass on any information about the account to any third parties

4. put any marks on your credit rating relative to this account.


Tell them that, if they take you to court about this account, their non-complaince with the CCA 1974 is a complete defence. tell them that, as far as you are concerned, the matter is at an end.


Copy the letter to the OFT and your local Trading Standards.

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