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Thought I would post a letter I sent to a DCA in case anyone can use anything from it. Don't mess with Pinky!
I am in receipt of the above “Final Demand” referenced letters from your company which I am sending to the OFT for their information for consideration when your company’s consumer credit licence comes up for renewal. Any other drivel your company care to send me will go straight into the shredder. In sending me these threatening letters your company is in breach of the CCA 1974, the CPUTR 2008 and the Data Protection Act. These alleged debts have been in dispute for 4 years and this is the second time in 4 years that your company has tried to collect on them in breach of OFT guidelines – they sent me the same letters in 2009 and I have them on file. There are no agreements for these alleged accounts, no Terms and Conditions and statements full of errors which the Bank have admitted are concocted. The Bank failed to send a Default Notice for one of the disputed alleged agreements and sent an unlawful Default Notice for the other, unlawfully rescinding them both in 2008. You were given all this information in 2009 – I have copies of the letters I sent – but you have chosen to ignore it and breach OFT guidelines again. The person who dealt with it then was (Name), Quality and Compliance Support Officer. She obviously can’t do her job.The letters threaten further action which cannot lawfully happen, in breach of OFT guidelines. They threaten a doorstep agent, which cannot happen without first asking my permission, in breach of OFT guidelines. I do not give my permission. If anyone does call, he/she will be arrested. The sole purpose of these letters is to harass.
Cc The Office of Fair Trading Licence Fitness Department for information only. I will be more than happy to sign an official permission form for the OFT to use this information against (DCA). This kind of harassment merits substantial damages in court."
I think this also emphasises the need to keep all correspondence.
I am in receipt of the above “Final Demand” referenced letters from your company which I am sending to the OFT for their information for consideration when your company’s consumer credit licence comes up for renewal. Any other drivel your company care to send me will go straight into the shredder. In sending me these threatening letters your company is in breach of the CCA 1974, the CPUTR 2008 and the Data Protection Act. These alleged debts have been in dispute for 4 years and this is the second time in 4 years that your company has tried to collect on them in breach of OFT guidelines – they sent me the same letters in 2009 and I have them on file. There are no agreements for these alleged accounts, no Terms and Conditions and statements full of errors which the Bank have admitted are concocted. The Bank failed to send a Default Notice for one of the disputed alleged agreements and sent an unlawful Default Notice for the other, unlawfully rescinding them both in 2008. You were given all this information in 2009 – I have copies of the letters I sent – but you have chosen to ignore it and breach OFT guidelines again. The person who dealt with it then was (Name), Quality and Compliance Support Officer. She obviously can’t do her job.The letters threaten further action which cannot lawfully happen, in breach of OFT guidelines. They threaten a doorstep agent, which cannot happen without first asking my permission, in breach of OFT guidelines. I do not give my permission. If anyone does call, he/she will be arrested. The sole purpose of these letters is to harass.
Cc The Office of Fair Trading Licence Fitness Department for information only. I will be more than happy to sign an official permission form for the OFT to use this information against (DCA). This kind of harassment merits substantial damages in court."
I think this also emphasises the need to keep all correspondence.
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