Recieved a nasty letter

Pompey254

After the constant phonecalls from TPC (THIRD PARTY COMPANY) I kindly sent them an email to ask them to do all correspondance via email.

That didnt work as been getting more than 3 phonecalls a week which I have not answered.

I finally rec a chq for PPI REFUND and put it in the bank friday -( I have got a letter from TPC back in march saying they were unable to proceed with claim as too old, so case closed)

The letter I recieved at the weekend said they have made every effort to contact me.......err no I ASKED TO BE DONE VIA EMAIL, not Phonecalls n text messages!!!, they have said they will begin action to recover the balance! (ERR WHAT BALANCE YOU SENT ME A LETTER SAYING CASE CLOSED - HENCE WHY I TOOK IT OFF MY OWN BACK TO CLAIM MYSELF!)

Even mentioned court proceedings, a visit to my home by a debt collector or both, if ive not contacted them within 3 days of letter

Im still waiting for refund from LLOYDS and I told them when I recieved decision letter back in August that once ive got payment they will rec there payment, It is a no win no fee, so how do they expect me to pay????? - Im constantly getting harrased by them

Ive been advised from the debtline website - thats what i think it is that TPC cant do anything as the debt is under £750 and to take this letter as and idle threat - is this correct

any advice please.......

bandofbrothers

Its all kinda vague !

If you signed a contract then your obliged to pay their fee.

If they sent you a letter closing your file for the claim and you entered into your own claim and got a result then tell them to go take a walk.

I hope you kept this letter.

Pompey254

I sure did keep the letter, what would u suggest now?

magpiecottage

Take a look at the MOJ rules they are supposed to comply with, which are here.

From what you say, Client Specific rule 1a seems to have been breached.

In particular, as you note, they cannot bankrupt you for a debt of less than £750 and that is a breach of the OFT guidance on debt collection at 2.4B.

I would write back and complain that, since they terminated the contract in their letter of (date) no debt exists and they are in breach of MOJ client specific rule 1a both because they are attempting to enforce a contract which they abandoned and even if a debt did exist (which you deny) it is a breach of the OFT guidance to threaten bankruptcy when the amount involved is too small so that they are also in breach of MOJ principle 1 which requires them to conduct their business with integrity.

Make clear that you will take your complaint to the Ministry of Justice if they do not resolve it to your satisfaction.

magpiecottage

I have just started another thread here which gives possible additional grounds for complaint.

Pompey254

thanks ever so much for your help :A