another collection agent sent by Natwest

Hi Everyone

This is a Natwest cc alleged debt - I sent 3 letters to Natwest then they sent 2 DCA and now there is a 3rd Allied.

Should I 3 letter them or send this which I got of the other GODF when it was going a while back

Thank you for your help

Much appreciated

Marek

Mr Debt Free
21 Freedom House
Debt Free Street
Debtfreeland
AA1 1AA

18 February 2014

Re: Your Client – Debt Collections Ltd Reference: XXXXXXXXX

Dear Mr/Mrs Debt Collector,

I must admit I am bemused as to why this account has been passed to yourselves, as it is clearly in dispute with *OC/DCA*, and has been since *Add Date*

Not only is this a breach of FCA regulations, but is also a breach of the Consumer Credit Act 1974 and the Data Protection Act 1998.

My last letter from *OC/DCA* was on *Add Date* and intimated that my complaint would be resolved on *Add Date*, this obviously hasn’t happened. As *OC/DCA** are now in default of my Consumer Credit Act request, FCA regulations, *Subject Access Request and have also breached my *SECTION 10 NOTICE Data Protection Act request . [delete any that are not applicable]

Added to this, the *OC/DCA* are also in a legally binding Tacit Agreement as well as being being served notice of Irrevocable Estoppel by Acquiescence. Further to this, they have failed to provide the Deed of Assignment and any Novation Agreement. I consider this account to be in SERIOUS DISPUTE.

The *OC/DCA* have also not produced The Fair Processing Notice and requisite permission that allows them to process my data. I have not given you permission to report my data and you must cease and desist with immediate effect. I enclose a SECTION 10 NOTICE to which you must reply within 21 days.

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, and this constitutes a complete defence at law. Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

Now I would respectfully suggest that this account is returned to the *OC/DCA* for resolution of these defaults and breaches, as *New DCA* cannot lawfully pursue any enforcement activities.

If *New DCA* chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Financial Conduct Authority, Information Commissioners Office, Financial Ombudsman Service and possible court action.

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines (now regulated by the FCA).

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter and I look forward to hearing from you in writing.

Yours faithfully/sincerely,

Hi Prometheus,

The only thing i would add to that is in the final paragraph .I would require that its signed by a named man / woman
who takes liability for its contents.

regards dave

Thank you Dave for your support
Warm regards
Prometheus