Cougar Financial and Capital One - DEBT PASSED TO a dca urgent help please

fermi

inamess_man wrote: »

oft reply tonight havent got time at present

Presumably along the lines of;

"Thank you for the information provided. We cannot deal with individual complaints. The information you supplied will be kept on file and may be taken into account when considering the fitness of xxxxx to hold a consumer credit license."

inamess_man

pretty close fermi

no calsl today which is a plus heres the reply isit worth my trouble printing of said form and returning it to them?

Dear Mr Bxxxxxxx

Consumer Credit Act 1974 (the Act)
Complaint Against: Credit Solutions Limited, Capital One (Europe) Bank Plc & Power 2 Contact Ltd t/a CSL
Licence No: 300314, 489354 & 543806

Thank you for your email received on 2 April 2011.

I can confirm that the businesses you mention hold consumer credit licences. Under the Consumer Credit Act, holders of consumer credit licences must be fit and competent to do so and the Office of Fair Trading (OFT) has a duty to monitor the fitness and conduct of all traders who hold such a licence.

The OFT has issued guidance to consumer credit licence holders engaged in the debt collection industry. The guidance is intended to ensure that debt collectors treat individuals fairly. Non-compliance with this guidance will call into question the fitness of licence holders and applicants. You can view our guidance at: www.oft.gov.uk/advice_and_resources/resource_base/legal/cca/debt-collection

We have therefore recorded the details of your complaint, and we will consider this alongside any other complaints we have received with a view to any consumer credit licensing or other action we may decide to take. If we do take any action against these traders, it is likely that we would need to disclose your identity to these traders along with details of your complaint. I should therefore be grateful if you could sign the enclosed consent form and return it to me. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information.

While we are very sorry to hear about the difficulties you have been experiencing, the OFT has no authority to become involved in individual disputes between consumers and traders so we cannot advise you directly in this matter.

The Financial Ombudsman Service can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. The Financial Ombudsman Service can be contacted at:

The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR

Telephone: 0800 0234 567

I enclose a list of organisations which can offer you help and advice. For specialist, face-to-face assistance, or intervention, you may wish to seek legal advice either through a local Citizens' Advice Bureau or directly from a legal adviser. The Insolvency Service has published a guide for debtors which contains an overview of the main debt solutions. The guide entitled ‘In Debt? Dealing with your creditors’ can be accessed from the Insolvency Services’ website at:
www.insolvency.gov.uk/guidanceleaflets/Guides.htm

Thank you again for writing to us and bringing this matter to our attention.

Yours sincerely


Oxxxxxx xxxxxxxxxxxxxxxwon
Enquiries and Reporting Centre
Office of Fair Trading

fermi

inamess_man wrote: »

pretty close fermi

no calsl today which is a plus heres the reply isit worth my trouble printing of said form and returning it to them?

Yep. Their standard letter.

If it was me I would, but up to you whether you can be bothered and think it worth the stamp?

inamess_man

might as well

might expirement and send them a two word email and see if i still get the same reply

thanks again

fermi

inamess_man wrote: »

might expirement and send them a two word email and see if i still get the same reply

There are several stock replies.

That just seems to be the most common generic one when you complain about the conduct of debt collectors etc.

I have managed to get some that look like they actually required a bit of thought.

inamess_man

sent reply today u never no as they say

inamess_man

a further reply to put me in a bad mood for the weekend

FINAL WARNING

we refer to our previous communications and are disappointed that you have not made reasonable proposals to clear your debt. The manner in which you have conducted your account is unacceptable and cannot continue.

Our client is not prepared for this sum to remain outstanding any longer and unless payment is made to cougar within 7 days from teh date of this letter , court proceedings may be commenced against you.

leg

fermi

What date did you send the CCA request in the end?

Standard useless threat letter, which isn't even worth dignifying with a response.

You couldn't pay the balance off anyway, so making daft threats and demands is pointless.

If they go to court, which is unlikely, then even the court can't make you pay money you don't have. The most likely outcome is that eventually you would be able to get an instalment order for much the same paymanst as CrapOne currently get under the DMP.

So just bluff and bluster and threats that are not really scarcy when your stop to actually think about them.

Relax and enjoy the nice weather.

inamess_man

continued

leagl action will result in solictors costs £80 court fee £120

please do not simply write as our time limits are now very strict



Does this read like they have rejected my latest offer? should i make another one? why dont they put it simply ?

any ideas for next move thanks again

inamess_man

15-04 fermi

thanks for ur help as ever