Have a look at who are members of the CSA

[FunkyFox]

Originally Posted by ScarletPimpernel

It's the anger, fear and frustration caused by DCA behaviour that stops any goodwill in its tracks.

Amen to that!

[JonCris]

Funky I have not seen it before but the guy is so right. You pay your 'friends' before you would your enemies

[ScarletPimpernel]

Originally Posted by JonCris

Funky I have not seen it before but the guy is so right. You pay your 'friends' before you would your enemies

The DCAs know this, and some attempt to exploit it through the use of 'helping' template letters - vide MBNA as an example, or those who call their phone monkeys 'counsellors'.

They also know that the DCA business is competitive, and speed is of the essence in the current environment, not least because so many of their junior staff are target/commission driven to keep costs down. This is, I suspect, one of the reasons that so many of their staff are so appallingly badly trained in the area of consumer protection and legal issues. Consequently, they appear unable to resist reverting to their usual bullying tactics long before any 'friendly' approach is likely to bear fruit.

Looking at a slightly broader picture, I note that the CSA is keen to promote its rather unsavoury industry as contributing to the economy - by keeping any number of prospective burger-flippers and off-licence lurkers off the streets, presumably. However, there is a known causal link between debt and stress, depression and suicide - I wonder how much the debt industry costs the economy in terms of man hours lost and medical time, not to mention the allegedly dubious tax practices that seem to be part and parcel of some parts of the industry?

[FunkyFox]

This story just shows the extent of the problem. How many people get 'tipped over the edge' by one phone call too many I wonder.

http://www.independent.co.uk/life-st...bt-825929.html

[sosumi]

Originally Posted by ScarletPimpernel

The DCAs know this, and some attempt to exploit it through the use of 'helping' template letters - vide MBNA as an example, or those who call their phone monkeys 'counsellors'.

They also know that the DCA business is competitive, and speed is of the essence in the current environment, not least because so many of their junior staff are target/commission driven to keep costs down. This is, I suspect, one of the reasons that so many of their staff are so appallingly badly trained in the area of consumer protection and legal issues. Consequently, they appear unable to resist reverting to their usual bullying tactics long before any 'friendly' approach is likely to bear fruit.

Looking at a slightly broader picture, I note that the CSA is keen to promote its rather unsavoury industry as contributing to the economy - by keeping any number of prospective burger-flippers and off-licence lurkers off the streets, presumably. However, there is a known causal link between debt and stress, depression and suicide - I wonder how much the debt industry costs the economy in terms of man hours lost and medical time, not to mention the allegedly dubious tax practices that seem to be part and parcel of some parts of the industry?

I absolutely agree SP.
I think the Courts do too, if I'm reading this article right:

I find it sickening that creditors are being '... urged to act now. "Look at your files and get the applications made and secured on the property because this is something they are very keen to implement. Get it done before the legislation comes in."
In other words, the courts want to help consumers, so quick folks, get those Charging Orders in quick before you're stopped from doing it!!
They're a noxious bunch, and the sooner good people in the Credit Industry (yes I hope/believe some exist!) distance themselves from this shower the better. DCAs are rich through exploitation of misery and shame. People don't deserve to be treated like this.

[sosumi]

I think that Debt Collection Agencies apply their own mores on the people they contact. That is, they don't have any, they lie, libel and defraud as a matter of course. They expect no less from the poor consumer.
Except they're WRONG!! They live in the gutter and seek to pull people down with them.
Well not for much longer!!

[FunkyFox]

That is a disgrace. It won't be in time to help me but it just goes to show the attitude of the industry. You used the right word, sickening.

So please can some more people sign my petition ( to limit the use of charging orders) ...see my sig (where has my signature gone????) or the thread in campaign section. Thanks.

[JonCris]

All the more reason to fight them tooth & nail even if in the end you have no hope of winning do as they so often do stall, delay, prevaricate until in the case of the debtor it becomes law

[ODC]

Originally Posted by babybear39

I agree with both of you. It was exactly that overwhelming agression, deceit, bullying etc. that drove me here.

And look at all the nice decent people you have met here.



Of course we wont mention a certain person who huffs every time you mention his organisation.


Still you cannot expect everyone to be happy

[cashins]

1st Credit (Finance) 2 Limited

Did they mean too limited?

[babybear39]

Possibly...Allegedly

[babybear39]

Originally Posted by ODC

And look at all the nice decent people you have met here.

For that I am eternally grateful.

Of course we wont mention a certain person who huffs every time you mention his organisation.

Still you cannot expect everyone to be happy

If we can be a thorn in the side of every DCA that breaks the rules and get their credit licences revoked then we've won battles, and then comes the war which has already been declared