Triton Credit Services / Natwest (acc sent back from APEX)

[OnAndOn]

APEX was dealing with few accounts of mine when I asked for CCA they were unable to supply those and referred me back to Natwest telling me i should ask them. I complained sending them the account in dispute letter from CAG. After a month or so they have sent me a letter saying Natwest is unable to supply the CCAs therefore they are sending the account back to them, they quoted a case law where judge said with out CCAs debts can not be enforced etc etc..

 

Not long after I started getting calls from Triton (natwest debt collection unit) - at least 3-4 times a day. I have not taken any calls. Finally they sent me a letter demanding the debt.

 

What do I do now? Many thanks in advance.

[harrassed senior]

Send the 'bemused' letter, as whilst their is no CCA it cannot be passed on. Hang on to the NW letter admitting no CCA.

 

Letter #17 The Consumer Forums - debt collectors

[OnAndOn]

Thank you very much for your help. I am sorry I tried to find the letter but i have been unable to do so - link is taking me to a general page. I searched for the letter 17 but no luck either. Sorry for being a pain!!

[Revenant]

Thank you very much for your help. I am sorry I tried to find the letter but i have been unable to do so - link is taking me to a general page. I searched for the letter 17 but no luck either. Sorry for being a pain!!

 

This is the one . .

ACCOUNT IN DISPUTE

 

Date:

 

Dear Sir or Madam,

 

Account number: XXXX XXXX XXXX XXXX

 

I am in receipt of your letter dated XXXXX

 

This account is in dispute with **original creditor/DCA** and has been since DATE .

Not only is this a breach of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Trading's debt collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My previous dispute from **DATE** has NOT been answered.

 

As **original creditor/name of debt collection agency** are now in default of my Consumer Credit Act agreementrequest 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 the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New 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.

 

After taking advice, I am of the opinion that any continued pursuit is in violation of the Consumer Protection From Unfair Trading Regulations 2008 in line with the Office Of Fair Tradings 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

 

Print name do not sign

Obviously amend to suit and send recorded delivery

Good luck

R

[OnAndOn]

Many thanks both of you!