Hi Caggers,

any body heard of ms /idc and what they are about!

Not heard of them but have found their website, with some scant information about them:

Moreton Smith | Outstanding Expertise

Hi, MS are a credit services company based in Clerkenwell city Of LOndon

it appears that they deal with company credit control and hosted financial management software they have a debt collection dept.

Thanks caggers,

Had two missed calls and just answered the phone with same number and she said it was ARC.Would not speak to me,wanted to speak to OH on a personnel matter.

Please don't phone them or discuss personal details if they call again,especially

if you have no knowledge of any matters regarding out standing debts.

ARC are a DCA based in Ashbourne Derbyshire Tel.0845 4961906 (for info if you want to check calls)

whats the gold rule.....

NEVER EVER talk to dc's or their tame fake solicitors on the phone.

put it down

they have no legal powers

hello guests .dx waves

dx

Thanks Brigadier,

Will do.

Are they connected though because the phone number is ms/idc and she said she was from arc:confused:

Hi Twoman just going on school run but will check on thet when back.

They have two separate Webb sites there loads of complaints against ARC

Can't find any connections between MS & ARC please keep us informed there is a fund of help and advice on CAG.

Hi B,

So if they say they are ARC and they are actually MS/IDC because telephone tells you that, does this not amount to anything fraudulent?

no

just your typical sheep in wolves clothes.

quite common.

dx

DCAs contacting you in another letterhead is considered unfair practice

2 UNFAIR BUSINESS PRACTICES

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,

inaccurate or misleading manner

 

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

DCAs using solicitors letterhead is an offence under Fraud Act 2006

"Fraud by false representation" is defined by Section 2 of the Act as a case where a person makes "any representation as to fact or law ... express or implied" which they know to be untrue or misleading.

Morton Smith have a legal department this staffed by PARALEGALS only

not qualified lawyers!

They claim to be able to chase debts in over 20 Languages a presume one of them

is BULL S**T!!

Help....!

Arc has just phoned the oh and have said they are going for a ccj for £104.00.

Only one letter received about outstanding debt and several phone calls about the debt.

The debt is for white goods insurance.

The muppet on the phone called oh a liar and said no payments had been paid...wrong!

1 payment in December £16.00 ish confirmed by bank

1 DD payment in Jan £16.00 ish ditto.

They are collecting on behalf of Legal & Gen

Have no problem in paying but it is their attitude that really p***** oh off.

They talk to you like you've just trod in something.

If i could i'd put hand down the phone and rip his f****** head off!

I want to make it as difficult as i possibly can now for these muppets...what should i do?:idea:

Make a complaint to ARC about the conduct of their staff. Threaten to report them to the OFT and other relevant bodies.

They should be able to listen back to the phone call, as most companies record their calls these days.

I thought it was against OFT rules to threaten using the courts in this way.

Never deal with these companies on the phone. To the extent that their staff are trained, they are only skilled in bullying and extracting money without regard to anything else. If they ring again, refuse to go through their security questions.

I would write to them setting out your proposals for repayment and make it clear that they need to write back to you. Don't give them any information about your financial circumstances other than stating what the maximum amount is that you can afford to pay.

As Uncle Bulgaria has said, it would be a good idea to make a complaint. If they're difficult and really want to go for the throat, send them a Subject Access Request and make it clear that you regard their telephone recording system as a relevant filing system.

Hi Unc / Sem,

Would they go for a ccj for a small amount.

She never signed an agreement.

What are the actual procedures as far as obtaining a ccj?

They could. They would just complete the online process and then your OH would receive the court papers. They should however, first of all issue a 'letter before action' saying that they will definately be taking court action, if payment is not received in x no. of days.

If they are collecting on behalf of L&G, they would normally need their permission before they proceeded in this way. I am not sure L&G would have authorised them doing so.

Another avenue open to you, is to make a complaint to L&G about the behaviour of arc. Would L&G want to be associated with a company that acts in this way.

Hi Unc,

If they did a claim on line what should we do.

Your OH should get a letter from them first, before they did this.

What was the story with the white goods Insurance? Did your OH, just stop paying for this, without contacting the Insurers to cancel.

If the Insurers have cancelled the cover, your OH can write to them for a full breakdown of the cancellation charges calculation. Your OH could enter into a complaint with L&G about this, just so that the matter is in dispute. Debt companies should stop collection activities, if the debt is subject to a dispute. This would slow them down for a while, if they are told that the debt is now in dispute with L&G.

Hi Unc,

I cancelled the DD by mistake thinking i cancelled something else and never reinstated the DD...we just forgot about it.

As i say we are willing to pay the £104.00 it's just the attitude of these bankers,i just want to be as awkward as possible.

Hi Caggers,

Oh received this from ARC - any comments please!

i cca'd them as per template + £1 po and they have used the postal order to knock a pound of the os debt!

so are you trying to reclaim ppi?

dx waves to the 3 guest spies.....

dx

Hi DX,

We took out an insurance cover on one of our white goods but i cancelled the dd by mistake.

We have since gone else where for white good insurance cover because of the issues we have had with them.