Now they are getting more aggressive at Reigate. Please see the attached letter.
I replied to their previous letter with the following:
"15 December 2014
Mr Gavin Flynn
Collections Director
First Credit
PO Box 278
Reigate
Surrey RH2 7WB
Dear Mr Flynn
Your reference: xxxxxx
Account number: xxxx xxxx
Your client means: Marks & Spencer Financial Services plc
My reference: Mayhew 1b
Thank you for your letter dated 9 December 2014. The alleged account is currently in serious dispute due to following reasons:
I requested a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) on 3 July 2012 for the above MasterCard account. I subsequently received an application form for a store card account number xxxx along with some largely illegible terms and conditions. I subsequently re-requested my Consumer Credit Agreement pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) on 19 October 2012. Again, I received an application form for the store card number along with some largely illegible terms and conditions.
I was seeking a true copy of a Consumer Credit Agreement relating to the MasterCard account number xxxx as referred to in my original and follow-up requests. However, I have no recollection of having provided with the appropriate new agreement for this product at the time. As your client may be aware, a new agreement would have been required under section 61 of the Consumer Credit Act 1974 as was proven in the case of Santander vs. Mayhew in the Clerkenwell and Shoreditch County Court on 8 March 2012. Therefore, I suggest that you return the alleged account to your client.
Please note that I will only communicate with you in writing and will not discuss the matter on the telephone with you or your representatives.
Yours faithfully
Mr $quandaŁot"
Any advice please how I should respond now?
1st Credit guys are vary naughty by using purple blue colour!
I replied to their previous letter with the following:
"15 December 2014
Mr Gavin Flynn
Collections Director
First Credit
PO Box 278
Reigate
Surrey RH2 7WB
Dear Mr Flynn
Your reference: xxxxxx
Account number: xxxx xxxx
Your client means: Marks & Spencer Financial Services plc
My reference: Mayhew 1b
Thank you for your letter dated 9 December 2014. The alleged account is currently in serious dispute due to following reasons:
I requested a copy of my Consumer Credit Agreement, pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) on 3 July 2012 for the above MasterCard account. I subsequently received an application form for a store card account number xxxx along with some largely illegible terms and conditions. I subsequently re-requested my Consumer Credit Agreement pursuant to s.77-79 of the Consumer Credit Act 1974 (CCA1974) on 19 October 2012. Again, I received an application form for the store card number along with some largely illegible terms and conditions.
I was seeking a true copy of a Consumer Credit Agreement relating to the MasterCard account number xxxx as referred to in my original and follow-up requests. However, I have no recollection of having provided with the appropriate new agreement for this product at the time. As your client may be aware, a new agreement would have been required under section 61 of the Consumer Credit Act 1974 as was proven in the case of Santander vs. Mayhew in the Clerkenwell and Shoreditch County Court on 8 March 2012. Therefore, I suggest that you return the alleged account to your client.
Please note that I will only communicate with you in writing and will not discuss the matter on the telephone with you or your representatives.
Yours faithfully
Mr $quandaŁot"
Any advice please how I should respond now?
1st Credit guys are vary naughty by using purple blue colour!
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