DCA have messed up! I'm taking them to small claims, they are fully defending it

Broken_hearted

Send them another letter and change your number.

NUFCnutter

Any advice as to what I should put in the letter, oh and I am moving on friday to a new area so my phone number will be changing anyway.

rayday2

Its not over till the fat lady sings, now is the time to step up your complaint and take it further. Start reporting them to the bodies given you on the first page and make sure at the bottom of the letters you CC the DCA and then send the DCA a copy of what you are sending out.

NUFCnutter

The account will be in dispute with the DCA seeing that I sent a CCA request in on thursday won't it? Therefore until they send me a true signed copy of my CCA I won't need to pay them anything will I?

NUFCnutter

Does this letter read ok?


Dear Sir,

On the 4th July 2008 I sent a complaint letter to yourselves regarding the disgraceful treatment of myself by one of your members of staff. In that letter I politely requested that you do not make any future contact with me via the telephone and that all communications should be in writing.

I was most upset to receive a telephone call from one of your members of staff on the evening of 7th July 2008, which initially seemed to be dealing with my complaint, but actually turned out to be a thinly veiled call to see when I would be willing to pay some money to yourselves.

In future can you please refrain from calling myself regarding this account. If you do insist on calling I will record every call you make to me. I explained in the last letter that if you telephoned me I was going to view it as harassment and therefore am left with little choice but to consider you in breach of Section 40 of the Administration of Justice Act 1970 and the Protection from Harassment Act 1997. You are also in breach of the Communications Act (2003) s.127 and I am going to report you to OFCOM, Trading Standards and the Office of Fair Trading, meaning that you would be liable to a substantial fine.

I am currently waiting for a signed copy of the Consumer Credit Agreement and a full breakdown of the account. I understand that under the Consumer Credit Act 1974 [sections 77-79], I am entitled to receive a copy of any credit agreement and a statement of account on request. In the letter requesting the signed CCA I also enclosed a postal order for £1 to represent the fee payable under the Consumer Credit Act 1974. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days of the original request.

I understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I will forward to you a copy of the letters that I am sending to the Office of Fair Trading, Trading Standards and OFCOM within 7 days.

pania

good for you!!! go for it girl!!

NUFCnutter

So it reads ok then? Cheers for having a look.

immoral_angeluk

:rotfl::T:T:T:T:T:T:T:T

fermi

Looks OK to me.

immoral_angeluk

Oi fermi... when did you get promoted??