Graham the problem here is that getty have passed these cases to debt collectors, they have then passed them to solicitors who are acting as debt collectors.
We have here a crossover of multiple pieces of legislation, and added to this we have the spirit of legislation. What they are absolutely not allowed to do is behave in the way they are currently behaving.
The Administration of Justice Act 1970 S.40 makes it a Criminal Offence for a creditor or a creditor's agent (often a debt collection agency) to make demands (for money), which are aimed at causing 'alarm, distress or humiliation, because of their frequency or publicity or manner'.
Some important words bolded. ALARM, DISTRESS, FREQUENCY. interestingly frequency is used, and my understanding is that this can be taken to mean poor regularity. e.g. they send a letter that threatens court action in 7 days. then in 7 days nothing happens. Keep in mind here that by NOT replying it should be assumed that the accused has opted for court actiuon to proceed as per the contract offered within the letter. NOTHING HAPPENS. 12 months later another letter bolt from the blue, telling them that another £300 in costs has been added and that court action will be taken within 7 days. the guy WANTS to go to court he has TOLD THEM to take him to court or go away!
The above scenario has been repeated hundreds (and i mean that literally) of times.
SO. safe to say that they are breaking the above act, the only question is whether or not the act applies as no credit exists (or does it?) if getty are attempting to put in place a unilateral contract, then that would possibly be deemed as a debt. SURELY it isn't legal to harrass someone to send you money you do not owe?
Getty & PM can't have it all ways. PM (and all solicitors) MUSt adhere to the solicitors code of conduct 2007, and it is clear here that they are not, after all they have clearly in black and white stated a course of action that they will take, but then failed to take.
It isn't and hunky dory as many would have you believe, I get emails asking about this constantly (as does BDW) dfue to both our long standing involvement in the situation via forums.
I like many want to see someone grasp this nettle and deal with it. I have no part in this as i have not received a letter, and ironically enough buy my images from istock, so if I did get a letter it would be dealt with instantly.
many others want an end to it, they want it dealt with, but getty etc refuse to bring matters to a head. and I am certain that in all the cases I have liaised with, the ONLY cases closed are where they have settled. which to me indicates that it is about frightening people into settlement rather than following the law.
The above statements and citations point out where getty and its representatives are flouting the laws.