Although Jane Glover has already kindly mentioned this OFT website in previous postings, it has been suggested to me that it's important enough to post under it's own title, and I agree. I would advise everyone with shortfall debt problems to take a look at this OFT site:

http://www.oft.gov.uk/News/Press+releases/2003/PN+97-03.htm

The following is a taste of what it covers...

Examples of the types of behaviour covered include:

1.failing to investigate or provide proper details/records when a debt is queried or disputed 2.failing to deal with appointed third parties such as Citizen's Advice Bureaux or independent advice centres 3.pursuing third parties for payment when they are not liable falsely implying or claiming authority – such as claiming to be working on court authority 4.contacting debtors at unreasonable times and/or intervals 5.claiming a right of entry when no court order has been obtained 6.misleading debtors by the use of official-looking documents such as letters made to resemble court claims.

If any of this applies to you I would complain to the OFT

I think number No1. will be relevant for a lot of us. How many lenders refuse to produce docs??

Mark.

-- M Amos (idgroms@hotmail.com), July 16, 2003