Difference between revisions of "The Consumer Prtection from Unfair Trading Regulations: Complaint Template Letters"

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== Complaint to the OFT about telephone harassment by Debt Collection Agency ==
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<blockquote><div style= "font-size:95%;"><font color = #EEEEEE> — </font>
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Your address
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Date
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Dear Sir/Madam
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'''Consumer Protection from Unfair Trading Regulations 2008 (CPUT)'''
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'''Formal complaint against <span style="color:red">[Name of Debt Collection Agency here] </SPAN> for harassment'''
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I am writing to complain under the above CPUT regulations. I am receiving persistent telephone calls from <span style="color:red">[DCA] </SPAN>  in respect of a purported debt.
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I have also received correspondence from them on the same matter.
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I have written to the <span style="color:red">[DCA] </SPAN> and requested them to stop telephoning me as the calls are <span style="color:red">made at non-social hours and I am spoken to in a way which I find distressing and impolite.  </SPAN> Despite this, the calls continue. I have logged the calls which I have received together with verbatim notes of the conversations which I have had. I enclose a copy of my log with this complaint. I am also enclosing a copy of the letter which I have sent to them asking them to stop telephoning me.
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<span style="color:red">The situation has become so serious that I now avoid answering the telephone at all and this is interfering with my normal everyday life. </SPAN>
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Although I agree that the <span style="color:red">[DCA] </SPAN> are entitled to take reasonable action to pursue a debt if they feel that there is an outstanding issue, I consider that the treatment to which I am currently being subjected is beyond what might be considered to be reasonable in the pursuit of a contractual obligation.
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I notice that the <span style="color:red">[DCA] </SPAN> seem more prepared to carry out a campaign of harassment rather than to bring a legal action against me - which in my view would be the proper and reasonable course of conduct.
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Clearly they are entitled to bring a legal action if they so wish.
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I consider that <span style="color:red">[DCA] </SPAN> are operating an unfair commercial practice and it is for this reason that I am sending you this complaint.
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I would be grateful if you would acknowledge this letter and let me know what procedures you now intend to follow and what your targets for action are.
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Yours faithfully
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sign the letter </div></blockquote>
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Delete or include the appropriate words for the words in <span style="color:red">red </SPAN>  in this template
 
Delete or include the appropriate words for the words in <span style="color:red">red </SPAN>  in this template

Revision as of 11:16, 11 June 2008

Please have a look at this explanation of the CPUT regs. The Consumer Protection from Unfair Trading Regulations 2008


If you think that your DCA is acting contrary to any part of these regs then complain immediately.

Post in the debt forum to let us know what you are doing.

There is no cost and no risk to this course of action.

This has not been tried before but CPUT is very new.

This action should be taken in addition to any other action you are considering taking.

Do not neglect any court action merely because you have made a complaint to the OFT. On the other hand, once you have received an acknowledgment and a complaint reference number, you can refer to it in court so that the judge knows what is going on.

Complaint to the OFT in respect of invalid CCA agreement - draft

Your address

Date


Dear Sir/Madam

Consumer Protection from Unfair Trading Regulations 2008 (CPUT)

Formal complaint against [Name of Debt Collection Agency here]


I am writing to complain under the above CPUT regulations. I am receiving letters and telephone calls from [DCA] in respect a purported debt which I understand is governed by the Consumer Credit Act 1974.

In accordance with the Consumer Credit Act I asked [DCA] to supply me with a true copy of the Consumer Credit agreement. [They have failed to do so/ supplied me with a document which clearly fails to satsify the Consumer Credit Act.] I enclose a copy of that document with this letter.

Although I have pointed this out to [DCA] they have failed to acknowledge this and continue to contact me and to harrass me with threats of action.

Clearly they are entitled to bring a legal action if they so wish. However, they have not done so and appear instead to be relying upon a campaign of systematic contact with accompanied by threats.

I consider that [DCA] are operating an unfair commercial practice and it is for this reason that I am sending you this complaint.

I enclose examples of the letters which they have been sending to me. I also enclose a log and verbatim notes of phone calls I have received.

I would be grateful if you would acknowledge this letter and let me know what procedures you now intend to follow and what your targets for action are.


Yours faithfully


sign the letter

Complaint to the OFT about telephone harassment by Debt Collection Agency

Your address

Date


Dear Sir/Madam

Consumer Protection from Unfair Trading Regulations 2008 (CPUT)

Formal complaint against [Name of Debt Collection Agency here] for harassment

I am writing to complain under the above CPUT regulations. I am receiving persistent telephone calls from [DCA] in respect of a purported debt.

I have also received correspondence from them on the same matter.

I have written to the [DCA] and requested them to stop telephoning me as the calls are made at non-social hours and I am spoken to in a way which I find distressing and impolite. Despite this, the calls continue. I have logged the calls which I have received together with verbatim notes of the conversations which I have had. I enclose a copy of my log with this complaint. I am also enclosing a copy of the letter which I have sent to them asking them to stop telephoning me.

The situation has become so serious that I now avoid answering the telephone at all and this is interfering with my normal everyday life.

Although I agree that the [DCA] are entitled to take reasonable action to pursue a debt if they feel that there is an outstanding issue, I consider that the treatment to which I am currently being subjected is beyond what might be considered to be reasonable in the pursuit of a contractual obligation.

I notice that the [DCA] seem more prepared to carry out a campaign of harassment rather than to bring a legal action against me - which in my view would be the proper and reasonable course of conduct.

Clearly they are entitled to bring a legal action if they so wish.

I consider that [DCA] are operating an unfair commercial practice and it is for this reason that I am sending you this complaint.


I would be grateful if you would acknowledge this letter and let me know what procedures you now intend to follow and what your targets for action are.


Yours faithfully


sign the letter


Delete or include the appropriate words for the words in red in this template