dca

catmandu_2

Had an email from scotcall last week about a debt i had no idea about so i sent them a proof it email they came back with an email saying it was from mem as i had no idea still i asked for more details as mem is a bit generic and they represent a few companies They came back with the name of a paydayloan company,which i had had dealings with in the past, but as far as i am aware do not owe them anthing i asked for them to send me more details and they asked could i send credit resource solutions a 1.00 for information, question is do i have to send money for this info . i thought they had to prove the debt was mine not for me to pay for info another company had sold on to them. any help would be appreciated.thanks

fermi

You asked for details and proof of your liability for this alleged debt. Under OFT guidelines, they are obliged to supply such proof, and no fee is payable regarding this. To be clear this is not a request for a copy agreement under the consumer credit act, so no fee is payable. Tell them that, and that any further delay or attempt to avoid supplying proof that they would seek to reply on in court will result in a complaint to the OFT and you taking the matter to the FOS.

catmandu_2

thanks fermi top advice as always i thought it sounded fishy when they asked for payment just thought i would clarify.

happy_bunny_2

Top advice from Fermi as usual. No evidence free of charge, no payment.

catmandu_2

in reply to my email sent to scotcall this was in my in box today

As you have failed to make the agreed payment amount due on the above account, I can confirm that we are currently assigning debt collection cases to our field based Debt Collection Agents operating in your area. In order for us to ensure that they do not visit you at an inconvenient time, can you please contact us on telephone number to advise us of any time that is unsuitable.Also, if you would rather discuss the repayment of your debt by telephone rather than in your home, please do not hesitate to contact us on telephone number where our Advisors are here to help you.You can also pay online using a credit or debit card via our website. If you have received this email in error please notify us by calling the number below.
can they just send someone to my door when i am trying to get info as to what company the debt is about i dont think they can but can someone clarify please.

rizla_king

Nope. Just tell them to #### off and read the OFT guidelines!

happy_bunny_2

No they cannot.

Have a read of this then lodge a formal complaint in writing, signed for or via email:
http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

They should be providing proof of a debt when it's not clear it's your debt. Idiots...

catmandu_2

fermi wrote: »

You asked for details and proof of your liability for this alleged debt. Under OFT guidelines, they are obliged to supply such proof, and no fee is payable regarding this. To be clear this is not a request for a copy agreement under the consumer credit act, so no fee is payable. Tell them that, and that any further delay or attempt to avoid supplying proof that they would seek to reply on in court will result in a complaint to the OFT and you taking the matter to the FOS.

thanks fermi could you advise on latest post see the reply i got via email after sending the above to them
cheers catmandu

catmandu_2

thanks happy bunny i didnt think so cheeky blighters

rizla_king

Scotcall are not the brightest bunch. Not sure they have anyone who could have read your letter properly.

catmandu_2

they are a bit cheeky after listing some of the breaches i got sent this
We are no longer dealing with this account it was returned to our client Credit Resource Solutions
so I will wait and see what they have to say on the matter