sorry

Hi all just an update on my previous threads about these DCAs. They were still attempting enforcement despite this account being disputed. Their last tactics was to send a letter via judge and Priestly solicitors about payment on the account and offering a discount of £900. this arrived 2 days after a bemused letter was sent to connaughts. Anyway this week a letter arrived from CoNNS stating that neither 1st crud or the OC halifax were aware of any dispute. I CCad wescot last year who sent me all the usual jargon about contacting their client but no CCa ever arrived . It was then passed to several other collectors before 1st crud. All of whom recieved an account in dispute letter. Now they are asking for all evidence of this account being in dispute to be forwarded to them. Should I sent copies of everything to them even the postal order I originally sent(which I copied just in case!). Any advice appreciated as usual guys and girls, x

anyone got any advice x

Hi all just a quick update. This morning I have recieved a letter from connaughts basically saying that 1st credit nor the halifax are aware of any dipute on this account! I cca'd wescot last year about this account and it went into default Jan 2008. They are asking for details of the alleged dispute to be forwarded to them. Now 1st crud sent me a dispute/query letter last month and said that it would take 4 weeks but now they are saying the know nothing of a dispute! Something afoot me thinks. Should I forward all the info when I cca'd wescot including the £1 postal order I photocopied (just in case)! they have now confirmed the account has been put on hold and any enforcement activity will be considered. Oh by the way I have reported 1st cud and connaughts to FOS, Ts and OFT. cheers guys x

Hi thanks for your replies, is there any letter though that i can send to solicitors and had anyone heard of Judge and priestly x

any advice anyone? x

Cheers is there a letter to send to a solicitor to remind them of a dc non compliance if they are acting on their behalf thanks

Hi all just a quick update. I sent the bemused letter on 10th march by recorded delivery. this morning I have recieved a letter from Judge and priestly solicitors saying that connaughts have appointed them to collect the balance owing. It also says on the letter that they will reduce the balance by £900 as a f&f settlement. This letter was sent on the 12th march. Any advice on what to do next? thanks

thanks for your help a bemused letter is on its way xx

hi all 1st crud has now passed to connaughts on my disputed account is it time for the bemused letter again. This is the 4th time now its been passed on.1st crudits time was up last week on sending a copy of the CCA which i requested from ODC in dec 2007. Any advice appreciated folks:-x

Your Reference: Client reference: Dear Sir or Madam, I must admit that I am rather bemused as to why this account has been passed to you, as it is in dispute with ***DCA*** and has been since ***Date*** Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998 As ***DCA*** is now in default of my Consumer Credit Act request, Office of Fair Trading Collection Guidelines and s10 Data Protection Act request, I consider this account to be in SERIOUS DISPUTE. As you are aware while my Consumer Credit Act request remains in default, enforcement action is NOT permitted; under s127 this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Now I would respectfully suggest that this account is returned to ***DCA*** for resolution of these defaults and breaches, as ***DCA*** cannot lawfully pursue any enforcement activities. If ***DCA***chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action. I hope that this will not be necessary and an acceptable solution can be accomplished. I would appreciate your due diligence in this matter. Yours faithfully __________________

lmao:D

send them the bemused letter. Im sorry I dont have it but someone will. x

knowing youre all there for the advice helps a lot x

Aww thanks everyone I think I just needed some advice from my fellow caggers. Just to let you all know they have 8 days to respond back to me when their MONTH ends for contacting their CLIENT...roll on. Thanks to all for your advice and reassurance it means a lot x