I just re-jigged an old 1st credit response:
Dear Sir or Madam,
I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY
Client Account xxxxxxx
I write in response to your correspondence received 20th March 2009.
It would appear from the letter that 1st Credit have failed to inform you failed to of my previous correspondence to them (dated 30th October 2008), where I clearly stated that HFC/Marbles are in default of my statutory credit card agreement request under the Consumer Credit Act 1974. I also stated that Marbles had provided me with a copy of an application form, which does not meet the criteria for a credit card agreement. The document you have sent me clearly states it is an application form at the top and contains no prescribed terms or details of interest and credit amounts therefore it does not satisfy my legal request for a credit agreement and you, 1st Credit and HFC continue to be in default.
I should remind you that by attempting to collect on a clearly disputed account you are committing an offence and that any attempt by you or HFC regarding court action will be taken as vexatious litigation and defended in full.
I would also like Connaught to contact me in writing and confirm if you are either the owners or assigned collectors on this account and also send a copy of your complaints procedure. In addition:
Take Notice, that you (Connaught) have been served with a formal Notice under Section 10, Section 12 of The Data Protection Act 1998, (“the Act”) to cease, desist from unlawfully processing my personal subject data to third parties, together with the fact that I have formally withdrawn my alleged consent from HFC Bank, which is my right under that same Act, to process my personal subject data. You are processing data about me which is ‘not true’ it is unjustified, unwarranted and defamatory. Together with the fact: that you continue to process my subject data whilst, I am in dispute with HFC/Marbles which is in Default under Section 78 of The Consumer Credit Act 1974.
• You may not demand any payment, on this account, nor am I obliged to offer any payment to you.
• You may not add any further interest or charges to this account
• You may not pass this account to a third party.
• You may not register any information in respect of this account with any of the credit reference agencies
• You may not issue a default notice related to this account.
You (Connaught) are in breach of The Data Protection Act 1998.