About 4 Years ago I filled in some forms for Next Step Money to look into any PPI claims i may have.

I heard nothing much from them at all

- i moved house,

emailed them with my new address etc.

Still no word.

In the mean time I knew i was owed from Barclays so i wrote to them separate.

They sent me out some questions i filled them in and i received some money back.

Yesterday i received a letter from Capital Resolve saying i owed £475.44 to First Target Recoveries

- no idea who they were and have no previous correspondence,

and they said they had wrote to me previously

and they haven't so i googled them and they are linked to Next Step Money.

They are saying i can pay just £368 and it will be settled

but i have no idea why i would owe this

or have had any other correspondence.

What should i do i don't want a debt collector at my door ???

DCAs are powerless... They cant do anything... Imagine a fly... You just swat it away.

Capital Resolve dont do court either

Loosen the fear.

http://www.consumeractiongroup.co.uk/forum/showthread.php?428547-First-Target-Recoveries

so they obviously put a tag on your accounts and contacted all your banks

then when they cough to you

they also write to the reclaims company.

hence the 'fees'

did you sign a general contract that they investigate all you accounts?

I just gave them details of all the people I could remember but then I heard nothing back

Will they keep sending letters, should I call them ?

did you sign the forms?

dx

Yeah

difficult one then.

you could simply write to First Target Recoveries

saying I have no signed contract with you.

you most certainly ignore the DCA

they are NOT BAILIFFS

there is nothing bad about debt collectors calling. They are a valuable source of protein and large enough for the whole family. They dont do a fat free or vegetarian option though.

Still a little lost as to what to do,

Will they come to my home ? Should I write ring them ??

powerless yoru cat has more powers than a dca

and no you never ever talk about your debts to anyone let alone a powerless dca

at your door or on the phone.

Can they come to my door ?? What do I say if they do ??

have you not been reading your thread and others like it?

they are not bailiffs

Sorry I am just so worried, didn't realise the difference:

I can't understand how they send such awful letters without having any powers, especially as I've not heard anything for years.

The letter talks about Litigation Proceedings and that my credit rating could be effected but I've checked and there is nothing on that

What power do DCA have ?

NONE!!

they can only do just like what you and I can do

issue a claimform.

trouble is 1M's of people think otherwise

hence threat-o-grams etc make SOO much money from MUGS that blindly pay them

dx

Sorry I am just so worried, didn't realise the difference:

 

I can't understand how they send such awful letters without having any powers, especially as I've not heard anything for years.

 

The letter talks about Litigation Proceedings and that my credit rating could be effected but I've checked and there is nothing on that

 

What power do DCA have ?

They dont have access to your credit files..they are not a creditor..perhaps best to upload the full contents of said letter than just providing snippets and one liners as Im sure it must state more than ...

" Yesterday i received a letter from Capital Resolve saying i owed £475.44 to First Target Recoveries " and giving the reasons why they think you owe this money.

Andy