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In light of the laudable referral by the FCA to the police over the Wonga case, I am wondering if the FCA will have more teeth than the OFT and the FOS? The fact that Wonga has been caught issuing letters purporting to come for actual law firms has reignited for me some unfinished business with regard to legal chicanery.
In an attempt to recover a disputed debt, back in 2012 1st Credit engaged a Scottish law firm to act for them and this firm hit me with an SD. This was swiftly seen off and both 1st Credit and the law firm disappeared into the ether but not before the law firm issued a further document that I found rather alarming: the law firm a had created its own default notice! Not a copy of the original one sent by the original creditor seven years earlier but one constructed by the law firm itself!
I have sounded off about this in the SD forum way in the past and events are catalogued there. My pursuit of this firm for issuing a document falsely ground to a halt after being stymied by the police, the Scottish Legal Complaints Commission and, finally, the OFT in the shape of local Trading Standards who, after a few perfunctory jabs at the law firm, let the complaint fizzle out.
Yesterday, I decided to resurrect this complaint and try to have this firm finally investigated and to hopefully have their license for debt recovery revoked. I have attached, for comment and amusement, the Default Notice constructed by one Stephen Cowan at the law firm. I have no idea why he constructed this notice (Mr Cowan is, supposedly, recognised as a bit of a legal whizz kid amongst his contemporaries) but he really should have known better and I intend to see him reprimanded over it. As stated, I've already approached the FCA but I'm wondering if any legal bods on here have any advice or thoughts to impart?
In an attempt to recover a disputed debt, back in 2012 1st Credit engaged a Scottish law firm to act for them and this firm hit me with an SD. This was swiftly seen off and both 1st Credit and the law firm disappeared into the ether but not before the law firm issued a further document that I found rather alarming: the law firm a had created its own default notice! Not a copy of the original one sent by the original creditor seven years earlier but one constructed by the law firm itself!
I have sounded off about this in the SD forum way in the past and events are catalogued there. My pursuit of this firm for issuing a document falsely ground to a halt after being stymied by the police, the Scottish Legal Complaints Commission and, finally, the OFT in the shape of local Trading Standards who, after a few perfunctory jabs at the law firm, let the complaint fizzle out.
Yesterday, I decided to resurrect this complaint and try to have this firm finally investigated and to hopefully have their license for debt recovery revoked. I have attached, for comment and amusement, the Default Notice constructed by one Stephen Cowan at the law firm. I have no idea why he constructed this notice (Mr Cowan is, supposedly, recognised as a bit of a legal whizz kid amongst his contemporaries) but he really should have known better and I intend to see him reprimanded over it. As stated, I've already approached the FCA but I'm wondering if any legal bods on here have any advice or thoughts to impart?
Attached Files
