o2/scot call

[paulh1818]

Hi. I have a debt with o2 which has been passed to scot call.

 

I will make an offer of payment to o2 but scot call are saying they will make a personal visit.

 

I have sent them the template letter to stop them but they have responded with this...

 

''I write in response to your recent correspondence.

The case you have referred to is not applicable to your circumstances.

As part of the credit agreement that you signed and entered into,

you agreed to repay the full outstanding balance and that where necessary,

the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection.

 

Therefore the license you state that has been revoked is irrelevant,

which for the avoidance of doubt we do not agree to,

is not binding on us as it does not fulfill the relevant principles of contract law.

 

We are entitled by law and under contract to recover monies outstanding

and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such.

 

Please advise if you will be making payments on this account.

Regards

S White ''

 

Any advice as to what I should respond with would be much appreciated. Thanks

Paul.

[dx100uk]

std crap they send

 

ignore them.

 

is this debt on your cra file?

[unclebulgaria67]

Silly response as your letter is withdrawing any permission you may have given in the original contract. The OFT debt collection guidance 3.2k say this is unreasonable.

 

k.

 

ignoring or disregarding debtors' reasonable requests in respect

of when, where and how to contact them

 

ww.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

 

If O2 still have this debt and you have no dispute about it, then start to make repayments to 02. This is provided that the debt is not statute barred because you have made payments or send written acknowledgement in the last 6 years.

[dx100uk]

you should be well used to these muppets by now

looking at your past thread paul...

 

dx

[2Grumpy]

If Scotcall say that there is a credit agreement then ask to see a copy of it (there isn't a credit agreement with a mobile phone contract, although you could argue that there is an implicit one for purchasing the phone via hp)