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Hi, please can you help. I sent all the creditors a CCA request. They have basically said they cant find the agreement and it isn't enforceable. Link are calling me all the time and sending letters. I complained to them and told them as they cant produce the statement of account or CCA I will not be paying anything further and to stop harassing me. One letter stated the complaint wont be upheld as they are not in breach and the fact that I was paying and now stopped means that it is liable and I have to pay. I have also got a letter back from Idem who said they will pay me a visit to my home even though they cant produce my requests. Please can you help. Thank you
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Write back to them to explain that they have been warned that you consider their behaviour as harassment contrary to the Protection from Harassment Act 1997 s.1 and that if they continue their actions you will issue legal proceedings against them without further reference to them. Advise them that Ferguson v British Gas 2009 established that an entity can harass an individual.Originally posted by Mirranda101 View PostCOMPLETING AN N180 DIRECTIONS QUESTIONNAIRE (SMALL CLAIMS TRACK) GUIDE
My posts here are based on my experience of a variety of life events. I have no formal legal training & if in doubt take professional legal advice or contact CAB. If you follow anything I write here you do so at your own risk & I accept no liability for any loss, costs or other outcomes.
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While youre at it, remind them of their finest day in Court in this case, https://www.bailii.org/ew/cases/EWHC...e/2011/B3.html telephone harrasment comes under s140A too and creates an unfair relationship which can lead to the debt being written off per the above linkI work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.
If you need to contact me please email me on Pt@roachpittis.co.uk .
I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.
You can also follow my blog on consumer credit here.Comment
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