Difference between revisions of "The Consumer Prtection from Unfair Trading Regulations: Complaint Template Letters"
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Post in the debt forum to let us know what you are doing. | 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. | + | There is no cost and no risk to this course of action.This has not been tried before but CPUT is very new. |
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− | 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. | This action should be taken in addition to any other action you are considering taking. | ||
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<blockquote><div style= "font-size:95%;"><font color = #EEEEEE> — </font> | <blockquote><div style= "font-size:95%;"><font color = #EEEEEE> — </font> | ||
Your address | Your address | ||
− | + | <span style="color:red"> </SPAN> | |
Date | Date | ||
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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. | 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 | ||
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+ | == Complaint to the OFT about being threatened by Debt Collection Agency with legal action over debt older than 6 years == | ||
+ | {| border="0" cellpadding="10" cellspacing="0" align="center" width="95%" style="background-color: #EEEEEE;" | ||
+ | |----- | ||
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+ | <blockquote><div style= "font-size:95%;"><font color = #EEEEEE> — </font> | ||
+ | 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> in respect of misleading and threatening behaviour''' | ||
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+ | I am writing to complain under the above CPUT regulations. I am receiving letters <span style="color:red"> </SPAN> and telephone calls from <span style="color:red">[DCA] </SPAN> in respect a purported debt and which is older than 6years and therefore statute barred. | ||
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+ | The <span style="color:red">[DCA] </SPAN> must be fully aware of the age of the purported debt but despite this they are regularly making threats of legal action against me to recover the money. I have found this behaviour very intimidating. However, I have recently discovered that there is a rule which prevents debts which are older than 6 years from being recovered by legal action. I am sure that <span style="color:red">[DCA] </SPAN> are aware of this rule and I now believe that they are making the threats in order to frighten me into paying them money. I note that they have not actually commenced any legal action against me. Instead they have preferred to continue with a campaign of intimidating behaviour and making deceptive threats as to their right to take legal action over a purported debt of this age. | ||
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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 enclose examples of the letters which they have been sending to me. <span style="color:red">I also enclose a log and verbatim notes of phone calls I have received.</SPAN> | ||
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. | 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. |
Latest revision as of 12:28, 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
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Complaint to the OFT about telephone harassment by Debt Collection Agency
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Delete or include the appropriate words for the words in red in this template
Complaint to the OFT about being threatened by Debt Collection Agency with legal action over debt older than 6 years
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Delete or include the appropriate words for the words in red in this template