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Topics - MillyMollyMandy

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I thought the forum would like to read an official response to an email I sent to the Office of Fair Trading regarding Atradius:

Quote
Consumer Credit Act 1974 (the Act)
Complaint against: Atradius Collections Limited
Licence No:  Unlicensed
Thank you for your email of 18 January 2013 in which you raise a complaint against
the company above (Atradius), in respect of its debt collection practices. I
understand that the company is pursuing you for a debt on behalf of Getty Images.
You report that on notifying Atradius that you do not owe the claimed debt, you
were told that the debt could not be disputed.
Under the Consumer Credit Act 1974, if a business wishes to be involved in
activities relating to consumer credit or hire, including debt collection and debt
management, they must have a consumer credit licence. The Office of Fair Trading
(OFT) has duty to enforce the Act, along with local authority Trading Standards
Services (TSS).
Upon checking the information provided in your email, it appears that this trader
does not hold a consumer credit licence. I would therefore suggest that you also
forward to your local TSS, who may be able to provide further advice, or you may
wish to consider seeking independent legal advice.
I hope you find this information useful.

I have the original response should forum moderators wish a copy  8)

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Here's my story:
I got a letter from Getty with an image I didn't recognise - it turned out that:
One of my team had used a screenshot of a 404 page published on another site to illustrate an article reviewing 404 web pages on our blog. The image in question had altered an original Getty image.
  • So, website A used an altered portion of a Getty image and published it on their 404 page [website A is Russian]
    Website B [an online magazine for web designers] published a screenshot of this page to illustrate an article - it was marked with Website A's URL
    One of my team took the screenshot from website B and placed it on our own blog [website C]
I took the image down - my charge was £895 for an image that would have only cost £35 for a license.
I ignored the Getty letters and have now had the Atradius letter.
I phoned them up and said my discussion were with Getty not them, and they replied that they were authorised by getty and I had to deal with them.
I said the debt was in dispute due to the circumstances and the charge. Also said they would have to take me to court where I would explain the unusual circumstances around the image, its alteration and its appearance on my blog.
I also asked for details of Getty's successful court cases for reference which they promised to email me [not to my personal or business address by the way].

I've reported them to OFT for being unreasonable etc.

I feel that I should be putting something in writing too - any advice?

5
Today I got the Settlement Demand to the tune of £879.45

I took a look at the image on the letter and rang them up, confident that I didn't have this image on my site. [It's of a baby looking at a birdcage]

After a brief conversation with Getty, I tracked the image down.

I had written a blog post about interesting 404 pages, with some links to these pages i used a screenshot of a 404 webpage on my blog.

The designers of this 404 webpage took a Getty Image, altered it, and created their 404 webpage with the photoshopped design.
I obviously had no idea this page used part of a Getty photo, and as it had its own url clearly visible, thought it was ok to use on my site to illustrate my article.

Am I liable for using this image ?

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