seems another chance has arisen for some fun and games.....ive recently moved to a new house and had an outstanding amount left to pay the water supplier at my old address...needless to say i didnt pay it. anyway...cut a long story a little shorter my debt has now been passed to fredrickson international ltd. for collection...
....so i did a bit of hunting around and was gonna send them this.....what do you reckon guys and gals ??
THIS IS A REQUEST UNDER THE CIVIL PROCEDURE RULES
PLEASE DO NOT IGNORE
Thank you for your letter dated April 04 2012 in which you have indicated that there is imminent court
Proceedings should I not respond to your letter.
In your letter you have given notice that you preparing to initiate legal proceedings on behalf of your client Anglian Water over the alleged outstanding amount on the above account.
Given that this matter is now subject to potential legal proceedings, you are obliged to provide, under the Civil Procedure Rules, information to ensure that all parties are on equal footing, and also to ensure the claim is dealt with expediently and fairly, avoiding unnecessary burden on the Court`s resources.
Under the pre-action Practice Directions-Protocols 4.6 of the Civil Procedure Rules, I request that you supply the following documents:
1) A true copy of the executed contract and any terms and conditions that applied to the contract at the time of default.
2) All records you hold on me relevant to this case, including but not limited to:
a) A transcript of all transactions, including charges, fee`s, interest, payments and both the amounts of credit and any repayments made to the account.
b) Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations.
c) Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention in relation to the account held by me with Anglian Water.
d) True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of proof of postage that you hold.
e) Documents relating to any insurance added to the account, including the insurance contract and any terms and conditions, date it was added and deleted (if applicable).
f) Details of any collection charge added to the account: specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.
g) Specific details of the fee`s/charges and what each charge relates to and on what date said fee`s/charges were levied.
h) A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1988.
i) A list of third party agencies to which you have disclosed my personal data and a summary of nature of the data you have disclosed.
j) Copies of statements for the entire duration of the credit agreement.
This information is required within the next fourteen (14) days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you trying to deny me the opportunity to review my position in relation to your claim of alleged breach of agreement and any possible counter claim.
Please note that, as you have initiated this action, failure to respond to this letter will place this account in clear dispute and as such you may not:
-demand any further payment on the account, nor am I obliged to offer any payment to you;
-add any further interest to charges to the account;
-pass/sell the account or outstanding balance to any third party;
-register any information in respect of the account with any credit reference agencies; or,
-issue a default notice related to the account.
Should you ignore any of the above, I reserve the right for legal action for redress, and will show the court this letter. I will also report your actions to any authority that I see fit and will request that suitability to hold a consumer credit license be reviewed.
I look forward to hearing from you in due course,
Yours sincerely, without prejudice or malice,
the letter from the dca says on the front of it LETTER BEFORE ACTION......if its any help.