CompuCredit UK trading as Monument

Michael Tomkiss made this Freedom of Information request to Office of Fair Trading

The request was refused by Office of Fair Trading.

From: Michael Tomkiss

Dear Sir or Madam,

I have made a complaint to yourselves in the last two years
regarding the behaviour of Monument. I wish to know how many
complaints have been made regarding this organisation, what actions
have been taken by the OFT and/or the outcomes of those complaints.

Yours faithfully,

Michael Tomkiss

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From: Mary Linacre
Office of Fair Trading


Attachment FoIA Ack letter.doc
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Dear Mr Tomkiss

Please find attached acknowledgement to your FOI request.

<<FoIA Ack letter.doc>>

Mary Linacre| Information Access & Records Management Team | Corporate
Services | Office of Fair Trading
Fleetbank House | 2-6 Salisbury Square | London EC4Y 8JX | T: 0 20 7211
8802 | [1]www.oft.gov.uk
[email address]

P please don't print this e-mail unless you really need to

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Communications via the GSi may be automatically logged, monitored and/or
recorded for legal purposes.

References

Visible links
1. file://www.oft.gov.uk

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From: Aaron Gould
Office of Fair Trading

OUR REF: IAT/FOIA/41234 and IAT/FOIA/41232

Dear Mr Tomkiss

Thank you for your recent e-mail to the Office of Fair Trading, requesting
information about Arrow Global, and Monument.

I can confirm that Arrow Global do hold a valid consumer credit licence,
no. 578436, entitling them to undertake the following categories of credit
business:

. Consumer credit

. Consumer hire

. Credit brokerage

. Credit reference agency

. Debt adjusting/counseling

. Debt collection

This licence is valid until 25 November 2010.

You also requested details of any complaints we may have received about
Arrow Global, or Monument. Unfortunately, under Part 9 of the Enterprise
Act the Office of Fair Trading is legally prohibited from disclosing this
type of information. We are not permitted to state whether complaints
have been made, nor may we comment on any investigative action that we may
be undertaking.

If you require this information for the purpose of legal proceedings which
have already begun, it may then however be possible to share some specific
types of information. However, we would require evidence that court
proceedings have commenced.

Appeals procedure

If you wish to complain about the way in which your request for
information has been handled, you may seek an internal review by writing
to:

The Internal Review Co-ordinator

Room 4C/046
Office of Fair Trading

Fleetbank House

2-6 Salisbury Square

London

EC4Y 8JX

You may alternatively send an e-mail to
[1][email address]

We will deal with your complaint within 25 working days of receipt or, if
this is not possible, advise you of a date by which we expect to have
completed a review of your complaint.

If you remain dissatisfied with the OFT's response you have the right to
complain to:

The Information Commissioner

FOI/EIR Complaints Resolution

Information Commissioner's Office

Wycliffe House

Water Lane

Wilmslow

Cheshire

SX9 5AF

I am sorry to not be of any further assistance. I hope the information we
have provided is useful.

Yours sincerely

Aaron Gould

Enquiries and Reporting Centre

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From: Michael Tomkiss

Dear Aaron Gould,

Thank you very much for your reply, I must admit that I was unaware
of the application of the Enterprise Act to the request.

If I may take up your point where you say that it may be possible
to share certain information if the subject is involved in legal
proceedings. I am about to begin legal proceedings against Arrow
Global regarding the posting of a Default Notice on my Credit File
with Experian. I am about to do the same with Monument for the same
reason since both have done so unlawfully. Or are the proceedings
that you allude to criminal rather than civil?

Yours sincerely,

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From: Aaron Gould
Office of Fair Trading

I am out of the office on until Thursday 18 September. If you are writing
from outside the OFT you may wish to direct your query to
[email address]. In any case I will respond to any emails at the
earliest opportunity. Contacts from within the OFT should direct urgent
matters to Shehan Saldin.

Your email has not been forwarded.

Thanks

Aaron Gould
Enquiries and Reporting Centre

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Communications via the GSi may be automatically logged, monitored and/or
recorded for legal purposes.

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From: Ian Bennett
Office of Fair Trading


Attachment FoIA Michael Tomkiss 2.doc
124K Download View as HTML


Dear Mr Tomkiss

I have just been forwarded the response from Aaron Gould of this Office to
yourself. Having looked at the response you received I think you should
have had the details of why we can't provide complaint information
explained in more detail. I will also explain the gateway in the
Enterprise Act which allows details of complaint information to be
released in certain prescribed circumstances.

<<FoIA Michael Tomkiss (2).doc>>

Ian

Ian Bennett, Information Access & Records Management Team / Corporate
Services / Office of Fair Trading| Fleetbank House | 2-6 Salisbury Square
| London EC4Y 8JX | T: 020 7211 8801

e-mail [email address]

[1]www.oft.gov.uk
P please don't print this e-mail unless you really need to

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Communications via the GSi may be automatically logged, monitored and/or
recorded for legal purposes.

References

Visible links
1. http://www.oft.gov.uk/

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From: Nigel Bussey
Office of Fair Trading

Dear Mr Tomkiss

Thank you for your e mail of 11 September to Aaron Gould, below, who has
now left the Office. I apologise for the delay in replying to you. Your
email was recently sent to this team as we have responsibility for the
provision of information in relation to the Enterprise Act.

You are right to state that we are sometimes able to give information
under the EA if, firstly, we are able to see copies of each court
document so we can see that a case has been brought. We also need to
know precisely why you need information about both traders and why you
think it will help you in relation to these small claims cases. It
would also be useful if you could provide a brief outline of your
complaints against these traders as we would still only be able to
provide complaint information relevant to your case (and it might also
save time when searching our databases). Once we receive all this
information we should be able to disclose any relevant information we
hold to you.

Yours sincerely

Nigel Bussey
Information Access Team

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Francis Irving left an annotation ()

Quite a complex request. The requester had left its status unmarked. So I've put it in the "rejected" category as the authority neither confirm nor deny holding the information, so that seemed more appropriate than "information not held".

Of course, the requester may want to continue to pursue things relating to their court action, but I think that would be a private matter outside the scope of WhatDoTheyKnow.

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