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  #21  
Old 20-06-2009, 08:01 PM
BOUDICCA BOUDICCA is offline
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scroll to the bottom for the OFT email addy:

http://www.oft.gov.uk/news/press/2009/20-09
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  #22  
Old 30-06-2009, 11:54 AM
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I was away last week, so slight delay with this. I sent this to Consumer Direct via email this morning. Also, a second letter has been sent to my father's house...

I am writing to advise you of bad business practice experienced by myself from dealings with First Credit, a debt collection agency.
First Credit have been pursuing me for a Marbles credit card debt for which they cannot produce an enforceable Credit Card Agreement. Every time they have contacted me at my address (above) I have responded to them in writing. At no stage during any of my dealings with them have they had any reason to believe I no longer live at my current address.

However, I recently received phone calls from my Father and Brother, who live at different addresses. They had received letters to me from First Credit, listing the addresses as ‘C/O’. This is interesting as I have never lived at either my father’s current address or my brothers. First Credit know exactly where I live and are now trying to bother my relatives with these letters.
Furthermore, my Mother – who now has a different surname – has not received a letter. This has left me concerned that a letter has been sent to anyone with my surname.
Surely this breaches data protection rules, not to mention the fact they shouldn’t be pursuing the debt in the first place as they defaulted my legal CCA request. I understand First Credit have been in trouble with the OFT for bad business practices recently and this has done nothing to deter them from behaving in a completely unacceptable manner.

Please note I have copies of all correspondance to and from First Credit, including the letters sent to my relatives, if you need to see copies.

I look forward to your response.

Kind regards,
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  #23  
Old 01-07-2009, 10:09 AM
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Hi folks,

Does anyone know how long I should wait for a response from Consumer direct?
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  #24  
Old 01-07-2009, 10:27 AM
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A bit of paranoid thought here, maybe.

I read the thread about EU rules the other day (changing the stat barred time to three years) and DCA reaction, where they threatened to get Judgements on 'gone aways'. Is it possible that DCAs are starting to fabricate 'gone aways' so they can try and push judgements through?

Just a thought...
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  #25  
Old 01-07-2009, 02:34 PM
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Received a response from Consumer Direct - the relevant TS has been informed and 'may not contact me but will take any action they deem necessary'. They also added the OFT email address and advised me to forward the complaint to them, which I promptly did...
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  #26  
Old 01-07-2009, 05:32 PM
BOUDICCA BOUDICCA is offline
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Good!

OFT/TS are a slow moving machine.

BOUDICCA
x
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  #27  
Old 01-07-2009, 08:25 PM
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Of course Danson there is always an injunction.Think about it.

Term
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The real evil is not the payment of money, but the secrecy attending it (Chitty L.J. in the case of Shipway v Broadwood [1899] 1 QB 369, 373). .

The courts shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner

Moneylending transactions as a class give rise to significant social problems.

Astalavista baby and I'll be back
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  #28  
Old 01-07-2009, 09:42 PM
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Hi Term,

Are you suggesting I take legal action against F.C? like a restraining order?

Last edited by danson79 : 01-07-2009 at 10:15 PM.
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  #29  
Old 02-07-2009, 09:11 AM
BOUDICCA BOUDICCA is offline
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Trading Standards should be dealing with this matter!

However, you could take out an injunction against First Credit, as Tam suggests.
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  #30  
Old 02-07-2009, 09:31 AM
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Quote:
Originally Posted by danson79 View Post
Hi Term,

Are you suggesting I take legal action against F.C? like a restraining order?
Exactly what I'm suggesting.

Term
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The real evil is not the payment of money, but the secrecy attending it (Chitty L.J. in the case of Shipway v Broadwood [1899] 1 QB 369, 373). .

The courts shall not make an enforcement order under section 65(1) if section 61(1)(a) (signing of agreements) was not complied with unless a document (whether or not in the prescribed form and complying with regulations under section 60(1)) itself containing all the prescribed terms of the agreement was signed by the debtor or hirer (whether or not in the prescribed manner

Moneylending transactions as a class give rise to significant social problems.

Astalavista baby and I'll be back
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