Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I'd be interested to know if anyone has ever shown any "cheekiness" towards a DCA on the phone/or in writing & if so, to what degree?
For example - when i spoke to Credit Solutions on the phone yesterday (quite willingly) i informed the guy that "due to extreme financial difficulties, no offer of payment can be made at this time, however should circumstances improve in the future, i will be happy to review this"
I will be sticking to that official line for as long as need be
So have other members said/done anything similar towards a DCA?
I'd love to hear your stories on this :grin:
Hi I wrote to iQor recovery services to explain that the debt they were trying to collect on for Littlewoods did not have a credit agreement and I did not recognise any debt to them when I got another letter from them I rang and told them they had been sold a pup by Littlewoods , that the debt was not worth the paper it was written on and they would not get one penny from me. That seems to have done the trick have not heard from them again.
dunno if it was cheeky but it was downright offensive .
Before I knew how to deal with DCA's i used to proper lose it with them , everycall used to end with me threatening their life and that of their families , that is why I am very dubious when they say that its being recorded , wouldnt recommend doing this though as it used to take me a good hour to calm down after lol.
I run them ragged sometimes.
I think I've failed if I can't get them to slam down the phone
on me in sheer frustration and anger.
Pretending to have attention defecit disorder + the attention
span of a goldfish works wonders...
......Oh look a bumble bee.......:grin:
Also asking them to speak very slowly and asking them to
constantly repeat things due to deafness really winds them too.
I was assused of being "very vague about the amount I could afford to pay" yesterday.
My reply was, "I can be as vague as I like about an unenforceable debt you claim I owe."
Needless to say, none of them are getting another penny from me
till I see some valid CCA's appearing in the mail.
Just gave the losers of lowells a phone call put on me best cornish accent ala Jethro and was shouting at them down the phone . phone call went like this
Low Hello may i take youre reference
LB HELLO HELLO U CALLED THIS NUMBER
Low May I Take your reference please
LB SORRY YOULL HAVE TO SPEAK UP IM A BIT DEAF
Low I can hear you perfectly
LB WHAT
Low Could I have your postcode then
LB MY ROAD
Low No sir your Postcode
LB OH MY POSTCODE NO
Low Why not
LB DONT YOU KNOW THE DATA PROTECTION ACT
Low er yes sir I do
LB SO DO I JUST BECAUSE IM DEAF DOESNT MEAN IM STUPID IS THAT WHAT YOU THINK ?
Low no sir not at all .
LB BETTER NOT DO MATE .
Low If you are not prepared to give us any postcode sir then i may as well hang up .
LB YOU DO THAT
Low ok sir thanks for your time
LB HELLO HELLO
Low Im still here sir
LB I HAVE A SUPRISE FOR YOU
Low Whats that then
THIS
(hangs up)
Frantically working on my script for Moorcroft later tonight,
as I'm browsing the CAG.
I think I have come up with some classic lines in answer
to some of their usual scripted questions.
lol loving it, OH has been 'cheeky' with one of his after they have repeated harrased him on the phone, last time he told the agent that he had missed his voice and he was so pleased to hear from him, he then called him a slimey little maggot for ignoring his letters and payment offers and telling him they were going to make him bankrupt, funnily not heard anything since mind you it took them 3 phone calls like that to get the message
rang lowells up again last night in my best pakistani accent
Lowell Reference number please
LB Hello Please why you ring number
Low reference number
LB no reference number who is i speaking to please
low RED
LB Red what is red
Low Well we dont have to give out that information until you tell us a reference number
LB The english flag is red GOD SAVE THE QUEEN what
Low could we have your postcode then
LB My postcode what is this ?
Low At the end of your address will be you postcode , if you give us that then we can see what you were called for .
LB so you want the last thing on my address , let me think now YES i have it .
Low what is it
LB fullin stop
Low No before the full stop there will be letters and numbers ,
LB ah yes I see now , who is this again please ?
Low RED
LB sorry RED I not going to give you my postcode
Low why
LB Because I dont want to , (CHANGES BACK INTO CORRECT VOICE) and as i have taken up your valuable time , therefore stopping you from making more of your pathetic threatening calls to harras them into paying debts that you cant prove you own you plank i wish you a good day .
Brummie wins and stands on the moral high ground .
I've developed a new hobby...
I'm starting to ring round DCA's at random with a made up debt & reference number/personal details, to see how many of them are shameful enough to go along with it & how many are honest enough to say they dont know anything about it - you'd be suprised at the results so far
I just use my native Finnish on them.
Or if I want a laugh I use an Arnold Schwarzenegger soundboard off the t`internet...STOP WHINING cracks me up when they start effing and jeffing about.
I posted this on one of your other threads, but it does throw up some interesting points and I've found it a good way of dealing with these to**ers. This is more-or-less verbatim and it happened to me a few months ago:
Them: "Mr Bassett?"
Me: "Yes"
Them: "For security purposes, will you please confirm your date of birth"
Me: "Whose security?"
Them: "Pardon"
Me: "Whose security are you concerned about here?"
Them "Yours of course"
Me: "Let me get this straight, you're telling me that for the sake of my own security, you want me to give you, a complete stranger ringing from a number that has been withheld, the kind of details that could be used to steal my identity?"
Them: "Yes"
Me: "Don't be bloody silly. Goodnight."
I posted this on one of your other threads, but it does throw up some interesting points and I've found it a good way of dealing with these to**ers. This is more-or-less verbatim and it happened to me a few months ago:
Them: "Mr Bassett?"
Me: "Yes"
Them: "For security purposes, will you please confirm your date of birth"
Me: "Whose security?"
Them: "Pardon"
Me: "Whose security are you concerned about here?"
Them "Yours of course"
Me: "Let me get this straight, you're telling me that for the sake of my own security, you want me to give you, a complete stranger ringing from a number that has been withheld, the kind of details that could be used to steal my identity?"
Them: "Yes"
Me: "Don't be bloody silly. Goodnight."
Regards.
Fred
this is a valid point. you get threat letter "despite our previous calls" we now taking you to court.
provide transcripts like this and i wonder what the Judge would say!
Cheekiness towards a DCA
on the phone/or in writing & if so, to what degree?
Originally Posted by mr.ton
