106
UK Getty Images Letter Forum / Re: Help! Debt collection letter arrived
« on: July 10, 2012, 10:19:52 AM »
This is definitely a debt collection. You can tell by the last paragraph discussing the option of a payment plan. Something you have to offer as a debt collector here in the UK.
None of the letters from lawyers I've seen have ever mentioned that and I've read here and elsewhere that if you speak to Getty directly they refuse the option of a payment plan.
Of interest is their threat of legal action. The only action a debt collector can take is to first issue a CCJ which is only effective in damaging your credit history. They also couldn't pursue you for copyright infringement because Getty hasn't assigned them the right to or they'd have to have told you that and provided proof.
I would recommend phoning the Office of Fair Trading and discussing the letter received and whether it is within their guidelines. If it is not the OFT are usually quite good at taking action and can revoke a licence.
None of the letters from lawyers I've seen have ever mentioned that and I've read here and elsewhere that if you speak to Getty directly they refuse the option of a payment plan.
Of interest is their threat of legal action. The only action a debt collector can take is to first issue a CCJ which is only effective in damaging your credit history. They also couldn't pursue you for copyright infringement because Getty hasn't assigned them the right to or they'd have to have told you that and provided proof.
I would recommend phoning the Office of Fair Trading and discussing the letter received and whether it is within their guidelines. If it is not the OFT are usually quite good at taking action and can revoke a licence.