UTCC in conjunction with CCA's, is it possible?

[adarling2006]

While reading the many posts on the first 18 pages of the CCA thread, i posted something which might be a good idea, Using the UTCC 1999 and know that some of the terms of the banks T&C's are in breach of this, couldn't we hit them harder?

Suggestions and help most welcome

[pudsters14]

Hi, I am following the CCA route with a few different companies but will be very interested to see what is said on this thread, consider me subscribed.... unfortunately I'm not very knowledgable on these things... but will offer my support and experiences where possible,...good luck!

[ladybird17]

Hi - thanks for starting a new thread for this! Can you explain a bit more your thoughts on the UTCC & how it affects CCA's?

[adarling2006]

Unfair Terms

5. - (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.

 

(3) Notwithstanding that a specific term or certain aspects of it in a contract has been individually negotiated, these Regulations shall apply to the rest of a contract if an overall assessment of it indicates that it is a pre-formulated standard contract.

 

(4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was.

 

(5) Schedule 2 to these Regulations contains an indicative and non-exhaustive list of the terms which may be regarded as unfair.

[adarling2006]

as we all know, every time we have signed a contract we never had the chance to negotiate terms, which mean if i'm looking at it rightly, all our contracts are unfair under this.

[adarling2006]

Statutory Instrument 1999 No. 2083

The Unfair Terms in Consumer Contracts Regulations 1999

 

© Crown Copyright 1999

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The text of this Internet version of the Statutory Instrument which is published by the Queen's Printer of Acts of Parliament has been prepared to reflect the text as it was Made. A print version is also available and is published by The Stationery Office Limited as the The Unfair Terms in Consumer Contracts Regulations 1999 , ISBN 0 11 082990 5. The print version may be purchased by clicking here. Braille copies of this Statutory Instrument can also be purchased at the same price as the print edition by contacting TSO Customer Services on 0870 600 5522 or e-mail:customer.services@tso.co.uk.

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STATUTORY INSTRUMENTS

 

 

 

 

1999 No. 2083

 

 

 

CONSUMER PROTECTION

 

 

 

The Unfair Terms in Consumer Contracts Regulations 1999

 

 

 

Made

 

22nd July 1999

 

 

 

Laid before Parliament

 

22nd July 1999

 

 

 

Coming into force

 

1st October 1999

 

 

 

Whereas the Secretary of State is a Minister designated[1] for the purposes of section 2(2) of the European Communities Act 1972[2] in relation to measures relating to consumer protection:

 

Now, the Secretary of State, in exercise of the powers conferred upon him by section 2(2) of that Act, hereby makes the following Regulations:-

 

Citation and commencement

1. These Regulations may be cited as the Unfair Terms in Consumer Contracts Regulations 1999 and shall come into force on 1st October 1999.

 

Revocation

2. The Unfair Terms in Consumer Contracts Regulations 1994[3] are hereby revoked.

 

Interpretation

3. - (1) {t2} In these Regulations-

"the Community" means the European Community;

"consumer" means any natural person who, in contracts covered by these Regulations, is acting for purposes which are outside his trade, business or profession;

"court" in relation to England and Wales and Northern Ireland means a county court or the High Court, and in relation to Scotland, the Sheriff or the Court of Session;

"Director" means the Director General of Fair Trading;

"EEA Agreement" means the Agreement on the European Economic Area signed at Oporto on 2nd May 1992 as adjusted by the protocol signed at Brussels on 17th March 1993[4];

"Member State" means a State which is a contracting party to the EEA Agreement;

"notified" means notified in writing;

"qualifying body" means a person specified in Schedule 1;

"seller or supplier" means any natural or legal person who, in contracts covered by these Regulations, is acting for purposes relating to his trade, business or profession, whether publicly owned or privately owned;

"unfair terms" means the contractual terms referred to in regulation 5.

(2) In the application of these Regulations to Scotland for references to an "injunction" or an "interim injunction" there shall be substituted references to an "interdict" or "interim interdict" respectively.

 

Terms to which these Regulations apply

4. - (1) These Regulations apply in relation to unfair terms in contracts concluded between a seller or a supplier and a consumer.

 

(2) These Regulations do not apply to contractual terms which reflect-

(a) mandatory statutory or regulatory provisions (including such provisions under the law of any Member State or in Community legislation having effect in the United Kingdom without further enactment);

 

(b) the provisions or principles of international conventions to which the Member States or the Community are party.

Unfair Terms

5. - (1) A contractual term which has not been individually negotiated shall be regarded as unfair if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.

 

(3) Notwithstanding that a specific term or certain aspects of it in a contract has been individually negotiated, these Regulations shall apply to the rest of a contract if an overall assessment of it indicates that it is a pre-formulated standard contract.

 

(4) It shall be for any seller or supplier who claims that a term was individually negotiated to show that it was.

 

(5) Schedule 2 to these Regulations contains an indicative and non-exhaustive list of the terms which may be regarded as unfair.

 

Assessment of unfair terms

6. - (1) Without prejudice to regulation 12, the unfairness of a contractual term shall be assessed, taking into account the nature of the goods or services for which the contract was concluded and by referring, at the time of conclusion of the contract, to all the circumstances attending the conclusion of the contract and to all the other terms of the contract or of another contract on which it is dependent.

 

(2) In so far as it is in plain intelligible language, the assessment of fairness of a term shall not relate-

(a) to the definition of the main subject matter of the contract, or

 

(b) to the adequacy of the price or remuneration, as against the goods or services supplied in exchange.

Written contracts

7. - (1) A seller or supplier shall ensure that any written term of a contract is expressed in plain, intelligible language.

 

(2) If there is doubt about the meaning of a written term, the interpretation which is most favourable to the consumer shall prevail but this rule shall not apply in proceedings brought under regulation 12.

 

Effect of unfair term

8. - (1) An unfair term in a contract concluded with a consumer by a seller or supplier shall not be binding on the consumer.

 

(2) The contract shall continue to bind the parties if it is capable of continuing in existence without the unfair term.

 

Choice of law clauses

9. These Regulations shall apply notwithstanding any contract term which applies or purports to apply the law of a non-Member State, if the contract has a close connection with the territory of the Member States.

 

Complaints - consideration by Director

10. - (1) It shall be the duty of the Director to consider any complaint made to him that any contract term drawn up for general use is unfair, unless-

(a) the complaint appears to the Director to be frivolous or vexatious; or

 

(b) a qualifying body has notified the Director that it agrees to consider the complaint.

(2) The Director shall give reasons for his decision to apply or not to apply, as the case may be, for an injunction under regulation 12 in relation to any complaint which these Regulations require him to consider.

 

(3) In deciding whether or not to apply for an injunction in respect of a term which the Director considers to be unfair, he may, if he considers it appropriate to do so, have regard to any undertakings given to him by or on behalf of any person as to the continued use of such a term in contracts concluded with consumers.

 

Complaints - consideration by qualifying bodies

11. - (1) If a qualifying body specified in Part One of Schedule 1 notifies the Director that it agrees to consider a complaint that any contract term drawn up for general use is unfair, it shall be under a duty to consider that complaint.

 

(2) Regulation 10(2) and (3) shall apply to a qualifying body which is under a duty to consider a complaint as they apply to the Director.

 

Injunctions to prevent continued use of unfair terms

12. - (1) The Director or, subject to paragraph (2), any qualifying body may apply for an injunction (including an interim injunction) against any person appearing to the Director or that body to be using, or recommending use of, an unfair term drawn up for general use in contracts concluded with consumers.

 

(2) A qualifying body may apply for an injunction only where-

(a) it has notified the Director of its intention to apply at least fourteen days before the date on which the application is made, beginning with the date on which the notification was given; or

 

(b) the Director consents to the application being made within a shorter period.

(3) The court on an application under this regulation may grant an injunction on such terms as it thinks fit.

 

(4) An injunction may relate not only to use of a particular contract term drawn up for general use but to any similar term, or a term having like effect, used or recommended for use by any person.

 

Powers of the Director and qualifying bodies to obtain documents and information

13. - (1) The Director may exercise the power conferred by this regulation for the purpose of-

(a) facilitating his consideration of a complaint that a contract term drawn up for general use is unfair; or

 

(b) ascertaining whether a person has complied with an undertaking or court order as to the continued use, or recommendation for use, of a term in contracts concluded with consumers.

(2) A qualifying body specified in Part One of Schedule 1 may exercise the power conferred by this regulation for the purpose of-

(a) facilitating its consideration of a complaint that a contract term drawn up for general use is unfair; or

 

(b) ascertaining whether a person has complied with-

(i) an undertaking given to it or to the court following an application by that body, or

 

(ii) a court order made on an application by that body,

as to the continued use, or recommendation for use, of a term in contracts concluded with consumers.

(3) The Director may require any person to supply to him, and a qualifying body specified in Part One of Schedule 1 may require any person to supply to it-

(a) a copy of any document which that person has used or recommended for use, at the time the notice referred to in paragraph (4) below is given, as a pre-formulated standard contract in dealings with consumers;

 

(b) information about the use, or recommendation for use, by that person of that document or any other such document in dealings with consumers.

(4) The power conferred by this regulation is to be exercised by a notice in writing which may-

(a) specify the way in which and the time within which it is to be complied with; and

 

(b) be varied or revoked by a subsequent notice.

(5) Nothing in this regulation compels a person to supply any document or information which he would be entitled to refuse to produce or give in civil proceedings before the court.

 

(6) If a person makes default in complying with a notice under this regulation, the court may, on the application of the Director or of the qualifying body, make such order as the court thinks fit for requiring the default to be made good, and any such order may provide that all the costs or expenses of and incidental to the application shall be borne by the person in default or by any officers of a company or other association who are responsible for its default.

 

Notification of undertakings and orders to Director

14. A qualifying body shall notify the Director-

(a) of any undertaking given to it by or on behalf of any person as to the continued use of a term which that body considers to be unfair in contracts concluded with consumers;

 

(b) of the outcome of any application made by it under regulation 12, and of the terms of any undertaking given to, or order made by, the court;

 

© of the outcome of any application made by it to enforce a previous order of the court.

Publication, information and advice

15. - (1) The Director shall arrange for the publication in such form and manner as he considers appropriate, of-

(a) details of any undertaking or order notified to him under regulation 14;

 

(b) details of any undertaking given to him by or on behalf of any person as to the continued use of a term which the Director considers to be unfair in contracts concluded with consumers;

 

© details of any application made by him under regulation 12, and of the terms of any undertaking given to, or order made by, the court;

 

(d) details of any application made by the Director to enforce a previous order of the court.

(2) The Director shall inform any person on request whether a particular term to which these Regulations apply has been-

(a) the subject of an undertaking given to the Director or notified to him by a qualifying body; or

 

(b) the subject of an order of the court made upon application by him or notified to him by a qualifying body;

and shall give that person details of the undertaking or a copy of the order, as the case may be, together with a copy of any amendments which the person giving the undertaking has agreed to make to the term in question.

 

(3) The Director may arrange for the dissemination in such form and manner as he considers appropriate of such information and advice concerning the operation of these Regulations as may appear to him to be expedient to give to the public and to all persons likely to be affected by these Regulations.

 

 

Kim Howells

Parliamentary Under-Secretary of State for Competition and Consumer Affairs, Department of Trade and Industry.

 

22nd July 1999

 

 

 

 

SCHEDULE 1

 

Regulation 3

 

 

 

QUALIFYING BODIES

 

 

 

 

 

 

PART ONE

 

 

1. The Data Protection Registrar.

 

2. The Director General of Electricity Supply.

 

3. The Director General of Gas Supply.

 

4. The Director General of Electricity Supply for Northern Ireland.

 

5. The Director General of Gas for Northern Ireland.

 

6. The Director General of Telecommunications.

 

7. The Director General of Water Services.

 

8. The Rail Regulator.

 

9. Every weights and measures authority in Great Britain.

 

10. The Department of Economic Development in Northern Ireland.

 

 

 

 

PART TWO

 

 

11. Consumers' Association.

 

 

 

 

SCHEDULE 2

 

Regulation 5(5)

 

 

 

INDICATIVE AND NON-EXHAUSTIVE LIST OF TERMS WHICH MAY BE REGARDED AS UNFAIR

 

 

 

1. Terms which have the object or effect of-

(a) excluding or limiting the legal liability of a seller or supplier in the event of the death of a consumer or personal injury to the latter resulting from an act or omission of that seller or supplier;

 

(b) inappropriately excluding or limiting the legal rights of the consumer vis-à-vis the seller or supplier or another party in the event of total or partial non-performance or inadequate performance by the seller or supplier of any of the contractual obligations, including the option of offsetting a debt owed to the seller or supplier against any claim which the consumer may have against him;

 

© making an agreement binding on the consumer whereas provision of services by the seller or supplier is subject to a condition whose realisation depends on his own will alone;

 

(d) permitting the seller or supplier to retain sums paid by the consumer where the latter decides not to conclude or perform the contract, without providing for the consumer to receive compensation of an equivalent amount from the seller or supplier where the latter is the party cancelling the contract;

 

(e) requiring any consumer who fails to fulfil his obligation to pay a disproportionately high sum in compensation;

 

(f) authorising the seller or supplier to dissolve the contract on a discretionary basis where the same facility is not granted to the consumer, or permitting the seller or supplier to retain the sums paid for services not yet supplied by him where it is the seller or supplier himself who dissolves the contract;

 

(g) enabling the seller or supplier to terminate a contract of indeterminate duration without reasonable notice except where there are serious grounds for doing so;

 

(h) automatically extending a contract of fixed duration where the consumer does not indicate otherwise, when the deadline fixed for the consumer to express his desire not to extend the contract is unreasonably early;

 

(i) irrevocably binding the consumer to terms with which he had no real opportunity of becoming acquainted before the conclusion of the contract;

 

(j) enabling the seller or supplier to alter the terms of the contract unilaterally without a valid reason which is specified in the contract;

 

(k) enabling the seller or supplier to alter unilaterally without a valid reason any characteristics of the product or service to be provided;

 

(l) providing for the price of goods to be determined at the time of delivery or allowing a seller of goods or supplier of services to increase their price without in both cases giving the consumer the corresponding right to cancel the contract if the final price is too high in relation to the price agreed when the contract was concluded;

 

(m) giving the seller or supplier the right to determine whether the goods or services supplied are in conformity with the contract, or giving him the exclusive right to interpret any term of the contract;

 

(n) limiting the seller's or supplier's obligation to respect commitments undertaken by his agents or making his commitments subject to compliance with a particular formality;

 

(o) obliging the consumer to fulfil all his obligations where the seller or supplier does not perform his;

 

(p) giving the seller or supplier the possibility of transferring his rights and obligations under the contract, where this may serve to reduce the guarantees for the consumer, without the latter's agreement;

 

(q) excluding or hindering the consumer's right to take legal action or exercise any other legal remedy, particularly by requiring the consumer to take disputes exclusively to arbitration not covered by legal provisions, unduly restricting the evidence available to him or imposing on him a burden of proof which, according to the applicable law, should lie with another party to the contract.

2. Scope of paragraphs 1(g), (j) and (l)

(a) Paragraph 1(g) is without hindrance to terms by which a supplier of financial services reserves the right to terminate unilaterally a contract of indeterminate duration without notice where there is a valid reason, provided that the supplier is required to inform the other contracting party or parties thereof immediately.

 

(b) Paragraph 1(j) is without hindrance to terms under which a supplier of financial services reserves the right to alter the rate of interest payable by the consumer or due to the latter, or the amount of other charges for financial services without notice where there is a valid reason, provided that the supplier is required to inform the other contracting party or parties thereof at the earliest opportunity and that the latter are free to dissolve the contract immediately.

 

Paragraph 1(j) is also without hindrance to terms under which a seller or supplier reserves the right to alter unilaterally the conditions of a contract of indeterminate duration, provided that he is required to inform the consumer with reasonable notice and that the consumer is free to dissolve the contract.

 

© Paragraphs 1(g), (j) and (l) do not apply to:

- transactions in transferable securities, financial instruments and other products or services where the price is linked to fluctuations in a stock exchange quotation or index or a financial market rate that the seller or supplier does not control; - contracts for the purchase or sale of foreign currency, traveller's cheques or international money orders denominated in foreign currency;

(d) Paragraph 1(l) is without hindrance to price indexation clauses, where lawful, provided that the method by which prices vary is explicitly described.

 

 

EXPLANATORY NOTE

 

(This note is not part of the Regulations)

 

 

 

These Regulations revoke and replace the Unfair Terms in Consumer Contracts Regulations 1994 (S.I. 1994/3159) which came into force on 1st July 1995.

 

Those Regulations implemented Council Directive 93/13/EEC on unfair terms in consumer contracts (O.J. No. L95, 21.4.93, p. 29). Regulations 3 to 9 of these Regulations re-enact regulations 2 to 7 of the 1994 Regulations with modifications to reflect more closely the wording of the Directive.

 

The Regulations apply, with certain exceptions, to unfair terms in contracts concluded between a consumer and a seller or supplier (regulation 4). The Regulations provide that an unfair term is one which has not been individually negotiated and which, contrary to the requirement of good faith, causes a significant imbalance in the parties' rights and obligations under the contract to the detriment of the consumer (regulation 5). Schedule 2 contains an indicative list of terms which may be regarded as unfair.

 

The assessment of unfairness will take into account all the circumstances attending the conclusion of the contract. However, the assessment is not to relate to the definition of the main subject matter of the contract or the adequacy of the price or remuneration as against the goods or services supplied in exchange as long as the terms concerned are in plain, intelligible language (regulation 6). Unfair contract terms are not binding on the consumer (regulation 8).

 

The Regulations maintain the obligation on the Director General of Fair Trading (contained in the 1994 Regulations) to consider any complaint made to him about the fairness of any contract term drawn up for general use. He may, if he considers it appropriate to do so, seek an injunction to prevent the continued use of that term or of a term having like effect (regulations 10 and 12).

 

The Regulations provide for the first time that a qualifying body named in Schedule 1 (statutory regulators, trading standards departments and Consumers' Association) may also apply for an injunction to prevent the continued use of an unfair contract term provided it has notified the Director General of its intention at least 14 days before the application is made (unless the Director General consents to a shorter period) (regulation 12). A qualifying body named in Part One of Schedule 1 (public bodies) shall be under a duty to consider a complaint if it has told the Director General that it will do so (regulation 11).

 

The Regulations provide a new power for the Director General and the public qualifying bodies to require traders to produce copies of their standard contracts, and give information about their use, in order to facilitate investigation of complaints and ensure compliance with undertakings or court orders (regulation 13).

 

Qualifying bodies must notify the Director General of undertakings given to them about the continued use of an unfair term and of the outcome of any court proceedings (regulation 14). The Director General is given the power to arrange for the publication of this information in such form and manner as he considers appropriate and to offer information and advice about the operation of these Regulations (regulation 15). In addition the Director General will supply enquirers about particular standard terms with details of any relevant undertakings and court orders.

 

A Regulatory Impact Assessment of the costs and benefits which will result from these Regulations has been prepared by the Department of Trade and Industry and is available from Consumer Affairs Directorate, Department of Trade and Industry, Room 407, 1 Victoria Street, London SW1H 0ET (Telephone 0171 215 0341). Copies have been placed in the libraries of both Houses of Parliament.

 

Notes:

 

[1] S.I. 1993/2661.back

[2] 1972 c. 68.back

[3] S.I. 1994/3159.back

[4] Protocol 47 and certain Annexes to the EEA Agreement were amended by Decision No. 7/94 of the EEA Joint Committee which came into force on 1st July 1994, (O.J. No. L160, 28.6.94, p. 1). Council Directive 93/13/EEC was added to Annex XIX to the Agreement by Annex 17 to the said Decision No. 7/94.back

 

 

ISBN 0 11 082990 5

 

 

 

Other UK SIs | Home | National Assembly for Wales Statutory Instruments | Scottish Statutory Instruments | Statutory Rules of Northern Ireland | Her Majesty's Stationery Office

 

 

 

We welcome your comments on this site© Crown copyright 1999

Prepared 30 July 1999

[adarling2006]

my problem with this now is who do i take up such action to uphold a compliant, would it be OFT or Trading standards?

[Advoc8]

if, contrary to the requirement of good faith, it causes a significant imbalance in the parties' rights and obligations arising under the contract, to the detriment of the consumer.

 

This is the bit you're going to have to demonstrate.

[adarling2006]

true enough but if u apply for your credit agreement and they actually send u the true copy, Could you use the UTCC against them once u have actual prove of their terms and conditions? I was told they have the right to off set any other monies u have to correct a debt, which if it's there then it's a unfair term, at which point contract is under dispute. I'm sure there are other terms in their T&C's that could be read as unfair.

My real point is 1: said contract wasn't negotiated,

2: said contract was printed up in advance and was to the deteriment of the consumer, who was unable to negotiate.

this is just my view on it, like i siad when i opened this thread up any suggestions would be helpful

[adarling2006]

it is this part that is of real interest to me

(2) A term shall always be regarded as not having been individually negotiated where it has been drafted in advance and the consumer has therefore not been able to influence the substance of the term.

This bit applies to all consumer contracts, which we all know are printed well in advance, and standard T&C's too.

and this bit at the end is also relevent as i read it burden of proof doesn't lay with us but with the bank to prove their terms aren't unfair to our deteriment.

(q) excluding or hindering the consumer's right to take legal action or exercise any other legal remedy, particularly by requiring the consumer to take disputes exclusively to arbitration not covered by legal provisions, unduly restricting the evidence available to him or imposing on him a burden of proof which, according to the applicable law, should lie with another party to the contract

[SteveH2508]

my problem with this now is who do i take up such action to uphold a compliant, would it be OFT or Trading standards?

 

From my dim and distant memories of Contract Law, this does not give rise to a complaint to OFT, TS or whoever. It lays down rules which must be addressed by the civil courts when you end up in front of them. If the bank sues you, you rely on whichever bit of the Act is relevant in your defence.

[adarling2006]

so in theory you should wait til the bank sues u and produce the relevent sections of the act as your defence? is that what your getting at?

It is very tempting to say to the bank, sod off i'm not paying u anything under this but in real life banks do what they want at the mo til law say's otherwise.

It would in my view take an actual ruling to decide what would happen if said bank were in breach of these terms and from then on to use such case law as and when needed.

at the mo i'm seeking legal advice on this, so any help would be very helpful. any solictors out there reading this Help plz

[adarling2006]

this is a copy of the letter i'm sending to blair oliver and scott, can someone have a read and let me know what they think

[adarling2006]

this is a copy of the letter i'm sending them

 

 

 

Blair, Oliver and Scott ltd

March 29, 2007

PO Box 66

Rosyth

Fife

KY11 2WG

Dear Sir or Madam:

I am writing this letter today to inform you of your duty to uphold all statutory regulations and acts in which you act under. My concern is that you failed in this duty when you directly used funds from one of my accounts to off set a Debt in another, which you stated under the terms and conditions which I opened the account, you had the legal right to do so, which under the Unfair Terms in Consumer Contracts Regulations 1999 clearly states that you don’t have this right. I would love to see which regulations or laws you directly quote from giving you that express right to off set in such a manner.

Also under said statutory Regulations above said terms and conditions are unfair and to which the contract which I’m bound under with yourselves, is not binding unless said contract can continue in it existence without the unfair terms.

I would hope that I could clear this up before commencing further action against your company for such a flagrant breach of the regulation and that you put back the sum of money that you unlawfully took from roll no

Failure to do so would force me to lodge various complaints with trading standards, OFT and FSO, and also any legal action required to redress your actions.

I further require from you the removal of the default notice against this account as it has been settled in full and as such the default no longer exists. I know that it is standard industry practice for defaults to remain on file for 6 years but that is not law, in fact the only thing that should remain on files for the required 6 years or IVA’s CCJ’s or bankruptcy orders which are sealed orders issued by a judge through the courts relating to law. It is not upto lenders, DCA’s or even CRA to decide legal issues. the fact that the default remains on file means you are operating under the pretense of a judge and that would be illegal as you have no legal right to do so.

My aim’s to resolve this are simple, the removal of the default by your company, even if I have to commence legal action to do so, be under no illusions that I won’t pursue it. And For you to comply with the regulations and offer a full refund of the amount monies which you illegally took from the account, which if you fail to do so then be prepared to face upto court action to justify the actions that you undertook, which directly contravenes the UTCC regulations 1999. Also any burden of proof required has to be undertaken by you, not me in regards to your terms and conditions and how you would justify them as fair and binding.

I look forward to hearing your responses

 

Sincerely,

[joneshousehold]

Adarling - I recommend you take your name and address and account number off the posting as you can too easily be identified.

 

Also try turning your words around. The opening paragraph for example can be used to direct a question/demand at them like this

 

You appear to have used funds from one account to set against the debt on another and have quoted a clause in the contract to support your actions. I would remind you of your requirement to act within all legislation in your dealings. This particular clause is very clearly caught by UTCCR, a fact I would expect an organisation such as yours to be fully aware of. I assume you took this step ONLY after fully considering the impact of UTCCR and I shall require a full and detailed report of your justification of the overriding legislation including statutory authorities. In the event that you failed to consider the full impact as I believe then unless I receive a full refund within the next 14 days I shall commence legal action. Failure to supply a full report and justification will be taken as an acknowledgment that no such assessment was undertaken.

 

However you word it depends on what you are trying to achieve but I would always try to say what you think is wrong first and ask them to prove they were acting lawfully.

[adarling2006]

good point and taken on board, thanks again

[joneshousehold]

just noticed some similar comments on this thread

 

http://www.consumeractiongroup.co.uk/forum/general/33174-consumer-credit-act-agreements-253.html

 

post 5045 onwards

[adarling2006]

i think it was me that brought it up from about page 241 i think, then started this thread on it

[ladybird17]

yes you did adarling, because I just thanked you for the link on the CCA thread, and then this thread popped up on my subscibed list and I realised that I think, it was me:rolleyes: - who asked you start a separate thread for it. Doh!

 

Too many threads - not enough brain space!

[adarling2006]

lol i know the feeling, getting the hang of it though, only just lol, can i ask what does imho mean anyway?

[ladybird17]

In my humble opinion

[adarling2006]

ah i get it now lol

[adarling2006]

changed my letter abit thanks to an earlier comment, what do u think of it now?

 

 

 

 

Blair, Oliver and Scott ltd

March 29, 2007

PO Box 66

Rosyth

Fife

KY11 2WG

Dear Sir or Madam:

You appear to have used funds from one account to set against the debt on another and have quoted a clause in the contract to support your actions. I would remind you of your requirement to act within all legislation in your dealings. This particular clause is very clearly caught by UTCCR, a fact I would expect an organisation such as yours to be fully aware of. I assume you took this step ONLY after fully considering the impact of UTCCR and I shall require a full and detailed report of your justification of the overriding legislation including statutory authorities. In the event that you failed to consider the full impact as I believe then unless I receive a full refund within the next 14 days I shall commence legal action. Failure to supply a full report and justification will be taken as an acknowledgment that no such assessment was undertaken

I would hope that I could clear this up before commencing further action against your company and that you put back the sum of money that you unlawfully took from roll no .

Failure to do so would force me to lodge various complaints with trading standards, OFT and FSO, and also any legal action required to redress your actions.

I further require from you the removal of the default notice against this account as it has been settled in full and as such the default no longer exists. I know that it is standard industry practice for defaults to remain on file for 6 years but that is not law, in fact the only thing that should remain on files for the required 6 years are IVA’s CCJ’s or bankruptcy orders which are sealed orders issued by a judge through the courts relating to law. It is not upto lenders, DCA’s or even CRA to decide legal issues. The fact that the default remains on file means you are operating under the pretense of a judge and that would be Unlawful as you have no legal Authority to do so.

My aim’s to resolve this are simple, the removal of the default by your company, even if I have to commence legal action to do so, be under no illusions that I won’t pursue it. And For you to comply with the regulations and offer a full refund of the amount monies which you Unlawfully took from the account, which if you fail to do so then be prepared to face upto court action to justify the actions that you undertook, which directly contravenes the UTCC regulations 1999. Also any burden of proof required has to be undertaken by you, not me in regards to your terms and conditions and how you would justify them as fair and binding.

I look forward to hearing your responses

Sincerely,

 

[joneshousehold]

Take this sentence out as it duplicates what you have said in the previous paragraph

I would hope that I could clear this up before commencing further action against your company and that you put back the sum of money that you unlawfully took from roll no .

 

On the complaints to FOS etc I would add that their actions may affect their ability to hold a credit licence. Have you anything from them or a website to look at, do they have a credit licence, if not threaten them with a complaint to OFT about that as well unless they show you their licence number.

 

I would also have a look at the OFT document on debt collection. Try to get as many bullet points on unfair practices as possible from the report - be imaginative!

The report can be found here

http://www.oft.gov.uk/shared_oft/reports/consumer_credit/oft664.pdf

 

On the default point have a look at this thread from Surlybonds

http://www.consumeractiongroup.co.uk/forum/legalities/24013-defaults-proposed-method-removal.html

There is a good letter you can take bits from and should cover what you are trying to say in more detail.

Then end your letter with a summary such as -

So what I require is

1. refund of...

2. confirmation of default removal...

3. anything else you require etc

Give a time limit for a reply after which a final letter before action type letter can be sent and then court claim. You will need to read up on this as I don't know how you would proceed here but I know there is more information about so make sure you research it all whilst waiting for the reply.

 

Good luck

[adarling2006]

i think this letter will be a first under the UTCC regs to be posted to anyone so all help is very much appriciated, had a glance at the OFT report, will work on it over the week-end at some point.

Probably better to use the actual paragraphs from the UTCC reg's to ensure they know what bit's are pertaining to themselves but why should i make it any easier on them???