Making a claim against MMF

[jon1965]

As you probably know I currently have a complaint outstanding against MMF. This is in the form of two complaints to the ICOfor breach of the DPA and non response to a S10 notice
and a complaint to the fos regarding various errors, largely relating to CONC

Before I make a claim for damages do I have to wait for the outcome of my complaints, I understand from the ICO that they can not order damages but can only order compliance

Another question and this relates to another DCA as well

According to someone on another site any non specific communication is unlawful under CONC

If this is the case aren't the DCA's kinda screwed as they can not communicate specifically without checking they have the right person and can not communicate non specifically .
In the same vein are these emails unlawful

Dear MR xxxxxx,

confidential MESSAGE FOR xxx xxxxxxxx:

Please call capitalresolve.com on 01386 425400 quoting case number xxxxxx.



Regards,



Richard J Edwards
Collections Manager
Capital Resolve Ltd


and

Urgent Contact Message


Dear Mr xxx xxxxxxx,

Please contact Motormile Finance regarding your outstanding account on 0113 887 9900 quoting reference Mxxxxxx.

Yours faithfully,

Motormile Finance UK Ltd.
Telephone: 0113 8879900
Telephone: 0113 3230112
Telephone: 0808 1688047


I ask because both emails have the potential to cause embarrassment if seen by a 3rd party and we all know that email is not classed as secure. They both dropped into my inbox without warning
MMF kindly sent a much more specific one

Dear Mr xxx xxxxxxxx,

ACT NOW TO PRESERVE YOUR CREDIT RATING

Our Ref: M1111111
Pounds Till Payday - Payday Loan
Debt Value: £221.96
We note that you have not responded to our previous communications.
Your continued default will shortly be reported to all 3 major credit reference agencies and this will make it hard for you to obtain credit in the future.

The file is now being prepared for a notice of default to be issued and then for a Doorstep Agent visit to your property to try and resolve the matter.

If you wish to deal with this matter, please contact our office and one of our representatives will happily go through the matter with you to reach a repayment agreement.

PLEASE DO NOT IGNORE THIS MATTER AS COSTS AND INTEREST WILL SHORTLY START TO BE ADDED TO THE ACCOUNT BALANCE AND WILL GREATLY INCREASE THE AMOUNT YOU WILL HA VE TO PAY.

Please Contact us NOW on: 0113 887 3867. Quoting reference xxxxxx
Yours Faithfully,

Pre-Visit Collections Dept.
MotorMile Finance UK Ltd.
0845 2418727 :Telephone
0113 8873867 :Local
0808 1686909 :Freephone

Incidentally on this last email, according to the agreement that they sent me after a prove it letter there is no provision for interest to be added , actually the loan was interest free, the costs being a loan fee and a broker fee