by nature spirit » Sun Sep 27, 2009 6:03 pm
Have decided to approach the credit reference agencies and object to the defamatory entry on my credit file, as it has long been established that an account in dispute, particularly for unfair bank charges, cannot lead to a default notice. I have also written to the bank and pointed out their many breaches of the Consumer Credit Act, and also, as they have had well over 28 days to provide a signed contract, I have stated that I now owe them nothing. No contract, no debt.
I did receive a letter from Apex, a DCA, telling me they were considering my "complaint of harassment" (which was actually a notice of request to cease harassment) and have put my account on hold for 4 weeks. I returned the letter with a note saying I have no contract with them and never wish to do so. As they had addressed it to my person, and not my true human self, I put a note on the envelope window "Return to Sender, No legal fictions at this address, try cloud cuckoo land".
Storm