Threat of adverse data on unregulated non-existent debt

[Lord_Alcohol]

Guys - hope someone can help with this.

Firm A failed to send advance notices of price increases under a subscription (non-CCA) contract. The requirement to send notices in set out clearly in the contract. I made an indemnity claim, received the money and closed my account.

Some time later, Firm A demanded I pay it the sum received from my claim, with no reason given. Requests for reasons were ignored.

A year later, Firm A assigned the alleged debt to Firm B, who have been hounding me for the money since. I repeatedly ask Firm B for reasons why the money is due and they say that Firm A investigated and provided reasons (it didn't). I have asked Firms A and B for those reasons, but have been ignored.

Firm B now says it is going to report adverse data (a default) if I don't pay up. There is no contract; there was no data reporting under the contract while it existed; Firm B is justifying itself by claiming that the relationship has broken down, there is a debt, and that is sufficient (apparently) under GDPR for the default to be reported.

I have tried to find a local solicitor to assist but none will. Really need a steer on this as a default on my credit file would be a disaster.

Many TIA
LA

[echat11]

Is Firm B regulated by the FCA?

Lodge a formal complaint with the firm, follow the complaints procedure on their website.
If your not happy with the resolution, you can lodge a complaint with the FOS.

Lodge a complaint with Trading Standards via CAB.

[Lord_Alcohol]

Is Firm B regulated by the FCA?

Lodge a formal complaint with the firm, follow the complaints procedure on their website.
If your not happy with the resolution, you can lodge a complaint with the FOS.

Lodge a complaint with Trading Standards via CAB.

Thank you Echat11

Yes Firm B is FCA regulated but, when I checked their permissions on the FCA website, there was one thing it had no permission to do;

Take action as set out in any other type of loan or credit agreement.

All their other permissions were in respect of regulated credit agreements or unregulated loans, but in this case the alleged debt is neither.

I have made a complaint but all I had was dross, with no reference to the underlying issue. The liability from Firm A has never been demonstrated to me - the subject is always avoided.

LA