Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

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  1. #1
    Basic Account Holder theshuffler Novitiate

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    Default Another DCA ploy

    Hi all , got a postcard this morning addressed to the occupier . The card comes from Hull and asks to call John Doe on 01482380680 ref ********** . Anyone know who the culprit is?


  2. #2
    Basic Account Holder Jasper1965 Highly informative Jasper1965 Highly informative Jasper1965 Highly informative Jasper1965 Highly informative Jasper1965 Highly informative Jasper1965 Highly informative Jasper1965 Highly informative Jasper1965 Highly informative

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    Default Re: Another DCA ploy

    Google reckons it's Wescot.


  3. #3
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    Default Re: Another DCA ploy

    Best ignored shuff unless of course you want some sport with them. Dont worry as sure as night follows day you will get a threatomatic from Westcrap threatening you with a CCJ in Hull county courticon.


  4. #4
    Basic Account Holder boswell Novitiate boswell's Avatar

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    Default Re: Another DCA ploy

    No doubt aother Phishing trip.


  5. #5
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    Might wait for the threatomatic , might be for someone else in the house. wouldnt mind a bit of sport though . Decisions decisions . Are they bottom feeders?


  6. #6
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    Default Re: Another DCA ploy

    Yes they are bottom feeders. They are easily dispatched.


  7. #7
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    lol getting tempted ODC


  8. #8
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    Default Re: Another DCA ploy

    When dealing with these clowns always bear in mind that they are owned by Experian. I think this goes a long way to explain the credit reference agency business model.


  9. #9
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    Interesting never knew that Seminole , might just sit tight a while see what else they come up with . Are these fishing trips not illegal?


  10. #10
    Basic Account Holder teaandtoast Novitiate

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    Default Re: Another DCA ploy

    John Doe???


  11. #11
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    Default Re: Another DCA ploy

    Quote Originally Posted by theshuffler View Post
    Interesting never knew that Seminole , might just sit tight a while see what else they come up with . Are these fishing trips not illegal?
    Addressing letters or even worse postcards to The Occupier is a clear breach of the OFT Guidelines on debt collectionicon


  12. #12
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    Thought that ODC and tea and toast i didnt think it was fair to put the muppets name up , after all he is only trying to make a living. lol


  13. #13
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    Default Re: Another DCA ploy

    Quote Originally Posted by theshuffler View Post
    Thought that ODC and tea and toast i didnt think it was fair to put the muppets name up , after all he is only trying to make a living. lol
    I wouldn't worry about it. He probably doesn't exist but, if he does, he deserves to have his name and address broadcast.


  14. #14
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    Its only a first name ALEX


  15. #15
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    A quick phonecall confirms his name as Alex Robins , and he states it is not illegal to send out postcards and it is common buisness practice , i refused to give him any reference number so he bid me farewell.


  16. #16
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    Default Re: Another DCA ploy

    Report them to TS and the OFT via Consumer Direct for breaching OFT guidlines.

    "To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

    Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

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  17. #17
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    Default Re: Another DCA ploy

    Quote Originally Posted by theshuffler View Post
    A quick phonecall confirms his name as Alex Robins , and he states it is not illegal to send out postcards and it is common buisness practice , i refused to give him any reference number so he bid me farewell.
    You may want to ring the clown up again and point out the OFT Guidelines on debt collectionicon


  18. #18
    Basic Account Holder Melbel Novitiate

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    Default Re: Another DCA ploy

    or print it out and send it marked for his attention in the post


  19. #19
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    Default Re: Another DCA ploy

    Here are the relevant guidleines :

    Communication
    2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,
    inaccurate or misleading manner.
    2.2 Examples of unfair practices are as follows:
    a. use of official looking documents intended or likely to mislead
    debtors as to their status, for example, documents made to resemble court
    claims.
    b. leaving out or presenting information in such a way that it
    creates a false or misleading impression or exploits debtors'
    lack of knowledge
    c. those contacting debtors not making clear who they are, who
    they work for, what their role is, what the purpose of the
    contact is

    d. unnecessary and unhelpful use of legal and technical language, for
    example, use of Latin phrases
    e. failing to provide debtors or creditors with information on status
    of debts, for example, not providing requested balance statements when
    reasonably requested
    f. contacting debtors at unreasonable times
    g. ignoring or disregarding debtors' legitimate wishes in respect
    of when and where to contact them, for example, shift workers who
    ask not to be telephoned during certain times of the day
    h. asking or instructing debtors to make contact on premium rate
    telephone numbers

    Physical/psychological harassment
    2.5 Putting pressure on debtors or third parties is considered to be oppressive.
    2.6 Examples of unfair practices are as follows:
    a. contacting debtors at unreasonable times and at unreasonable intervals
    b. pressurising debtors to sell property, to raise funds by further
    borrowing or to extend their borrowing
    c. using more than one debt collectionicon business at the same time
    resulting in repetitive and/or frequent contact by different parties
    d. not ensuring that an adequate history of the debt is passed on as
    appropriate resulting in repetitive and/or frequent contact by different
    parties
    e. not informing the debtor when their case has been passed on to a
    different debt collector
    f. pressurising debtors to pay in full, in unreasonably large instalments,
    or to increase payments when they are unable to do so
    g. making threatening statements or gestures or taking actions which
    suggest harm to debtors
    h. ignoring and/or disregarding claims that debts have been settled or are
    disputed and continuing to make unjustified demands for payment
    i. disclosing or threatening to disclose debt details to third parties unless
    legally entitled to do so
    j. acting in a way likely to be publicly embarrassing to the debtor either
    deliberately or through lack of care, for example, by not putting
    correspondence in a sealed envelope and putting it through a letterbox,
    thereby running the risk that it could be read by third parties.


    "To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

    Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

    If you do PM, make sure to include a link to your thread as I don't give out advice in private

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  20. #20
    Basic Account Holder theshuffler Novitiate

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    Default Re: Another DCA ploy

    Have just posted a copy of his postcard along with some of the OFT guidelines for his purusal . It may be common business practice but its not legal Mr Robins.



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