Cougar ignoring OFT rules doorstep visit

[ArclightUK]

I love this site thanks guys

[ArclightUK]

I'm going to give them both barrels

[ArclightUK]

Shall I make a complaint to the oft and send them the letter

[filrobbo]

Yes and local trading standard

[ArclightUK]

Brilliant

[filrobbo]

If you put a claim in for charges then the account will be in dispute also claim back ppi you may find you don't owe th owt

[ArclightUK]

Again I LOVE this site thanks my friend

[ArclightUK]

Can I ask how do I claim for charges and ppi

[filrobbo]

If you go to the liberty on this sit all letters are there get claiming

[citizenB]

They actually say that's not what the oft say?

 

 

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

 

Section 3.12 deals with visits.

 

Whilst they appear to have watered down their previous guidance, Cougar have put their own interpretation on what has actually been said by the OFT.

 

The fact is, you have made an offer of payment - they are not prepared to accept this. How will them visiting you change that position. Therefore contrary to their statement.. the account is in dispute !

[ArclightUK]

While its watered down the fact still remains without an appointment they can't just turn up correct?

[citizenB]

They actually say that's not what the oft say?

 

While its watered down the fact still remains without an appointment they can't just turn up correct?

 

Correct and if they do. Just tell them to go away.

[ArclightUK]

Oh I will thanks so much

[citizenB]

If you don't have all your statements, you need to send Subject Access request - they have 40 calendar days and it will cost you £10.00.

 

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

 

Meanwhile, you could send a CCA request - request for copy of the agreement - to cougar - it will cost you £1.00 and they have 12 working days + 2 for posting.

 

http://www.consumeractiongroup.co.uk/forum/content.php?414-CCA-request-letter

[Guest]

I had this with scotcall.....I complained to OFT. Scotcall still said they were entitled to visit....but they didn't, they sent it back to lowell who have now brought debt managers into it, who have sent emails twice a week, left messages on phone etc etc....having said at the start "letter only" I am ignoring them.