Complaining to the Financial Ombudsman about Debt Collectors.

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MarkWatson wrote: »

In terms of the CSA being an even handed and independent ombudsman, they are absolutely nothing of the sort. Avoid!

The are not an ombudsman. They are a trade body to represent their members.

To be blunt, it's pretty pointless to complain to the CSA.

After all, they only exist to represent the interests of their members (DCAs). They don't give two hoots about anyone else.

They do however have a code of conduct for their members that all must agree to:

http://www.csa-uk.com/media/editor/file/Code%20of%20Practice%202009.pdf

And under CPUTR 2008.

http://www.oft.gov.uk/shared_oft/business_leaflets/cpregs/oft1008.pdf

Failing to honour commitments made in a code of conduct

7.11 The third category of commercial practices prohibited as misleading actions is that where:

• The trader has undertaken to be bound by a code of conduct (or code of practice), and indicates that he is bound by it in the commercial practice, and
• The trader fails to comply with a firm and verifiable commitment in that code, and
• The average consumer takes, or is likely to take, the different decision as a result

Failure to comply with CPUTR is prosecutable I think.

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magpiecottage wrote: »

I thought I had better put a further post as I have learned that some adjudicators are siding with DCAs.

That has been going on for some time.

Many adjudicators seem less than well informed on law, regulation and guidelines such as those issued by the OFT and trade bodies. Appalling for people who are supposed to be the official recourse for consumers.