I think it would be wise to point out that people are hijacking the OP thread here. It would be more prudent to start your own thread regarding issues you have with vehicles and purchases so that the guys on this site can assist in a better way.

No why would i?

Who is your employer broken arrow and how much is your yearly salary? . . . . . . . . . . Very personal questions one's which you would not be expected to answer over an open forum so why should i? More over why should i when i am within a forum that actively works against such employers!

No because as stated i am not here to represent either the company i work for nor any other DCA (please read the complete thread) I offered assistance, if needed on the techniques and procedures DCA's should, could and don't do.

In this instance have you followed the complaints procedure that the DCA have? If so i would do the following. Inform them once more in writing that you have requested both SAR and CCA as such until these documents are supplied then any further correspondence regarding the claimed debt will be treated as threatening behaviour. Do this via email or recorded mail as unless you have voice recording for your phone its easier to proove. I believe on this site are examples of letters you can send covering the above. Keep all letters like the LBA's they are sending you as you may need to provide them as proof. Also keep those cards they post claiming that an "attempted" visit was made.

While your explanation of the English language is thorough it is also somewhat flawed. Using your example it would therefore be correct to assume that any employee of Asda is responsible for the actions taken by Tesco. Based on the fact i work for a debt collection agency does not in any way shape or form make me responsible for other companies actions and performance while operating within the industry sector, it is a ridiculous concept. One not far from the belief of a far right fascist and or racial organisation. Each company and each employee within that company should be judged on their own individual merits. Where you refer to high profile examples, these situations are proven that through the course of their actions they where directly responsible for any indiscretion caused. More so it is a foolish suggestion to imply that my employment is based not under threat or duress. While this may be true you are therefore suggesting that to pacify members of an on line consumer forum i should withdraw my employment status. Thus resulting in financial hardship and the prospect of having such companies contact me for financial responsibilities i can no longer adhere to. That i would consider a threat, would you not? It is a very interesting moral high ground you take, when considering, rightly or wrongly people are attracted to this site because they are looking for advice and guidance in dealing with debt they have generated. However that debt has been accrued and for what circumstances does not matter. But to attempt to aid them in technical loopholes to remove the responsibility (which i have attempted to also be apart of) while attempting to conclude that someone within the debt collection industry would not wish to do the same, is either blinded by their own naivety or self importance. I do not attempt to distance myself from my employers, i have been open and honest at every step of this thread. Granted i do not wish to announce the company/organisation i work for because this would very well expose me. Which conteracts the initial reason for my posting. I once again i ask you to point out and prove where i have given advice to someone that it has been wrong, or aimed in the benefit of any DCA. To conclude when talking about another DCA other than the company i work for this would be classed as a "third party" I am not employed by them so therefore i am not affiliated to them either.

I cannot do that for obvious reasons. Happily they are not mentioned on this website though which should be a good sign i hope

Good morning i hope you slept well. It should not be "we" or "us" or "i" only if i am referring to myself in this form. English language stipulates that when referring to a third person or party then you refer to them as "them" or "they". How am "i" part of the problem? Please explain

From what i am aware VW do also have a good rep for customer service so i am shocked that you have been treated like this. I think the ideals of service get diluted with the local dealerships somewhat and its a real shame. I called two of my local dealers in my area for some work to be done. One quoted £260 and the other £190. The one that quoted £220 when questioned why there was such a vast difference told me that they could reduce the cost to £190!! to match the other quote. I told them frankly that this was not a price match like Kwik Fit and National Tyres you guys are both VW dealers. Any way i digress here is a link about one guy who had his backside burnt by his heated seat, VW in this instance where over helpful UKpassats.co.uk • View topic - VW Seats =PLS READ !

It is your choice on if you wish to contact them by writing a letter. From my understanding of the matter they have referred your accused debt to a collector without contacting you first? If so i would do as di0430 has suggested and contact the bank or loan provider first. Ask them for the details regarding the debt they hold on you including the original CCA (there are people on this forum who will help regarding that) Informing Regal that you are doing so, and in essence the debt is therefore in dispute. A collection agent is in effect a representative of the DCA. They cannot remove goods from your home unless as stated there is a CCJ against you which has remained unpaid. Even then as stated it would be a long long time until it reaches this scenario. In addition unless the collection agent is a qualified bailiff or sheriff then they cannot legally remove goods anyway. In conclusion a collection agent has no powers.

yes but its not cost effective or practical i live a very long distance from my place of work. Also i needed to be around to make arrangements regarding my car.

A point to note here is that they are obliged to inform you in writing before they take any form of action regarding the claimed debt. They should send you what is regarded as a letter of intent/instruction, which should outline their position in regards to the OC and what their intentions are. They are then not allowed to contact you for a period of 7 days in any way shape or form. It sounds to me that you have not received this letter? or that hey have not sent it?

unclebulgaria67 Thank you for your understanding it seems at least that one or two people understand

My god you imagination is amazing lol. No the person is not my alter ego Ask a mod to do an IP check then respond back to quash that one

Well spotted. I am not in work this week due to an issue with my car i have had to take a weeks annual leave. I would not be posting on this site from my office its way to risky on my part