Paperless office for a debt recovery agency

OnMyWay_2

I'm being pursued for debt by a recovery agency who claims they have a paperless office. This means that I can't send them letters so I can't send them a CASHFLOW statement as it's a PDF file. The only way I can send them information is via a website contact form which gives me no record of what I have sent them. I can't e-mail them back as you can't reply to their e-mails. I've spoken to someone today who said I could fax them my CASHFLOW statement from a local library. This seems very unfair as I have said to them that I wish to be communicated with via letter or e-mail only.

Does anyone know if it's fair or legal for them to be a paperless office?

Gordon_Hose

What's a cashflow statement? Is it like an income and expenditure list?

fermi

https://www.cashflow.uk.net

It's a way for people who have had advice from a money advisor to produce a financial statement. Creditors should treat these in the same way they might one completed face to face with an official advice service.

bargainbetty

Ask them for their registered office address as listed with Companies House and their trading address.

They want a paperless office. That's nice for them. You have every right to communicate by post - they cannot legally prevent you from utilising a system that enables you to keep a proper record of communication. I would take the precaution of getting a 'Signed for' service at the Post Office though.

Use their system to make the request, and note that they must provide you with a specific email address or a postal address for you to communicate with them, as Data Protection entitles you to request that that a named individual handle your account and that your cofidential information not be sent to a group mailbox.

The ICO tend to look quite negatively at these actions.... worth a shot anyway.

happy_bunny_2

Log a formal complaint with them, if you can figure out how

If you ring them, tell them you want to make a formal complaint and ask them to tell you their process.

I would also report them to the OFT for unreasonable behaviour, as I think they would consider it unacceptable for a DCA not to accept letters.

Egg loans tried this with me, but funnily enough, they managed to respond to my complaint letter.

chanz4

tell them you a a moneyless office, and that should they will to contact you to write to you.

FTW

They're saying this in order to prevent receiving post they don't want to acknowledge - like CCA requests, dispute letters, statute barred letters, etc.

Just because they say they don't accept mail is neither here nor there - you correspond with them how you see fit, and it's not up to them to dictate it to you.

And dealing with it in writing is the best way - remembering, of course, to send correspondence via recorded delivery (DCAs have a habit of denying receiving mail) and not to enclose signatures of any kind.

FredWhispers

What EXACTLY did they say? 'we are a paperless office' or, 'we would prefer etc' or was it actually 'we refuse to accept anything you send us in writing and wont even read it'? Big difference.

I find your statement a little hard to believe as all CAB's send letters and a DCA refusing to accept them would be in big trouble.

Fred

brightonman123

onmyway- whats the company name? we shall see if there's an email addy online somewhere..

(what firm DOESNT have an email..??)

DM me if needs be.