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My debt


mortalwombat
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Does this look okies i think ive done it correctly.

 

 

 

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number:

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with BTMK solicitors and has been since 4th October 2007.

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

 

My last letter from Fenton & cooper was 4th October 2007 and intimated that my complaint would be resolved on 22nd October 2007 , this obviously hasn’t happened.

 

As Fenton & cooper are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject Access request and have also breached *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 Fenton & cooper for resolution of these defaults and breaches, as Credit Resource Solutions cannot lawfully pursue any enforcement activities.

 

If Credit Resource Solutions 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.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

Yours faithfully

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Thanks for ya help, ive sent a letter via recorded delivery this morning, incidently would it make any difference that i was very poorly in hospital last year with herpes encephalitis, which is swelling of the brain, was in 25 days, then 3 days on coming home i hemmeoridged behind me right eye and was left without the sight in it for 2 months before having an operation. Dont know if it was stress related due to debts.

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  • 5 weeks later...

http://i238.photobucket.com/albums/ff20/mortalwombat_2007/28thaug08.jpg

 

Ok this has been recieved today it says i havent responded to the letters, they have passed it onto YET another debt agency what the hell is going on? I sent the last letter RECORDED delievery aswell.

What are the options i must follow now? this is getting beyond a joke.

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  • 4 weeks later...
I Dont know which way to turn now, i feel so low. Seems the bayliffs are gonna call if i dont act within 7days, and that letter was dated the 25th so i have about 3 or 4 days to act, do i phone them????

NONSENSE, UTTER NONSENSE

 

you cannot be visited by Bailiffs unless there is a county court judgment in place, and you fail to keep repayments on said judgment and a warrant of execution has been granted by the court

 

now then, has the above happened?? as far as im aware, the answer is no

 

the letter above is designed to do exactly what it has done, SCARE

 

thats all,

 

im sure someone will pop along with a good letter to send this idjits

 

if someone does turn up at your front door, politely tell them to leave, they have no rights of entry to your home and would be trespassers

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http://i238.photobucket.com/albums/ff20/mortalwombat_2007/28thaug08.jpg

 

Ok this has been recieved today it says i havent responded to the letters, they have passed it onto YET another debt agency what the hell is going on? I sent the last letter RECORDED delievery aswell.

What are the options i must follow now? this is getting beyond a joke.

 

 

Anyone please advise me on what action to take asap, ie do i phone them or is there a letter i can send them?

 

Cheers.

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Cheers 42man, sorry if i sound worried bumping alot, just the debt places dont give alot of time to respond.

 

Thanks again.

have you ever wondered why?

 

purely so that you panic, you dont have time to seek advice etc

 

dont panic, its never the case that we dont want to help, its just that i really am pressed for time with work an all, so i for one cannot jump in right away to answer your questions :)

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  • 2 months later...

http://i238.photobucket.com/albums/ff20/mortalwombat_2007/img023.jpg

http://i238.photobucket.com/albums/ff20/mortalwombat_2007/img024.jpg

 

 

These are new ones from credit resource solutions, do i send off another copy of a bemused letter? they just seem to be ignoring my others?

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  • 3 months later...

 

 

 

Please please please help, they said they are going to take legal action in 10 days? they have sent me the cca am i in trouble now, can i proceed with any letters or do i have to write to them on what amount to pay back per month? :???:

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