Do debt collectors charge interest?

fuzzgun19

Wescot have today sent me a 'Final Notice' bill.

I am going to send the below letter, but I think I need to change the last paragraph, as I have not made any payments to them for this debt... also, do I really need to report them to [FONT=Times New Roman, serif]the appropriate enforcement authorities?

[/FONT]

[FONT=Times New Roman, serif]I refer to my letter dated 09-Feb-10,[/FONT][FONT=Times New Roman, serif] in which I made a formal request under the Consumer Credit Act 1974 (CCA1974) s.77-s.79 for a true copy of the regulated agreement referred to in the above account number. You are reminded that you are obliged to supply this under s.189 whether you are the original creditor or not. I also enclosed the statutory fee of £1.00.

To date you have failed to comply with my statutory request and have defaulted in respect of this account. Additionally this alleged agreement is unenforceable until such time as you come out of default or enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as your default is revoked.

Consequently I am ceasing all payments to your company until such time as this matter is resolved. It is also my intention to report this matter to the appropriate enforcement authorities.

I await your prompt response.

Yours faithfully[/FONT]

fuzzgun19

Should I change this sentence to 'I will not be making any payments'?

..and who is the enforcement authority?

GeorgeUK

... no payment will be made to your company...
Is what i would put.

and also add at the end
... appropriate enforcement authorities... unless you comply with this legal requirement.

fuzzgun19

Thanks George.

fuzzgun19

Well here I go again.. lol

After more phone calls from Creation, I've now had a phone call and received a letter from these muppets.

I'll get my CCA letter out again lol

fuzzgun19

Just a couple of questions if I may.

a) Do I make the £1 P.O. out to 'clarity', or 'Creation'? (last time with Wescot they returned it saying it should be made to Creation).

b) Should I also enclose a copy of Creation's letter (See post 22) about their 'System Anomaly' and not being able to provide the agreement?

Thanks.

aimingforadebtfreelife

Don't bother with the PO, just send a copy of the letter as this shows that you have asked for a copy CCA before and tell them to go forth... (in a polite way of course:D)

fuzzgun19

lol thanks.

Don't suppose you have a template for the 'go forth' letter PSML!

c3ali

you are doing the right thing so long as you let them know if not let them send it to the debt collectors where they will try it on to but dont except anything they say so long as you agree a payment

aimingforadebtfreelife

Have a look at:

https://forums.moneysavingexpert.com/discussion/1868507

Cut and paste a couple depending on your mood to them