Scotcall

Hyp3rion

Hi,
I had a letter from Scotcall saying I owe £65 to them from a Citibank account I used to have.
Well I have never held a Citibank account so I sent them a letter asking to see the credit agreement and enclosed a £1 cheque as the statutory fee. This was clearly stated in my letter in the following paragraph:

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a personal cheque in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

I just got a letter back from them and they have used the £1 cheque to pay £1 off of the balance! So now they say I owe them £64.
What action do I need to take against them as they have used the funds that I provided not in the way they were meant to.

Regards
Hyp

VitaK

I think a standard prove it letter would have been more appropriate. You are disputing the debt is yours, not if they have a credit agreement.

I cant say anything with regards to the statory fee, but im sure someone can advice on that.

overlander

I think the reason they done that is it resets the clock on any time bar on the debt. I would dispute the use of the pound as if you are in Scotland and the debt is older than 5 years it's gone. In England I believe it's 6 years the they cannot recover unless you make a payment which means you acknowledged the debt.

I would phone up and rip into them aNc demand the data you required. Don't be scared of these companies as they have no powers especially for such a small debt.

VitaK

If you have sent a CCA request and the DCA has assigned the £1 fee payment to the balance.