Hello Everyone.

[PriorityOne]

Well... he hasn't come back yet which says it all really...

[fuzzybobble]

Originally Posted by PriorityOne

Well... he hasn't come back yet which says it all really...

And he said.....

"Please dont judge me for what I do for a living, I wouldnt have become a member of this website if I didnt have a positive opinion and want to help people.

We are all in debt in some way, I am.

If you have any questions please feel free to ask - I will do my best to help anyone out in anyway I can."

So, come on and help people then.

Typical DCA person. Always full of hot air, and they wonder why they get so much negativity and mistrust when one of them comes on here.

I'm sure the next one to appear will get ripped to shreds.

[Pinky69]

He is probably too busy calling debtors at this time of night frightening the bejesus out of them for money.

[KER]

Originally Posted by yourbank

Is there something in the water at the moment? Is it the hot weather that is throwing this up?

The Schools are on holiday

You may find that all forums you frequent are going to have their level of intelligence somewhat reduced for a couple of months :o

[PriorityOne]

Oh thanks, Kyr !! I work in a school....

[fuzzybobble]

Originally Posted by PriorityOne

Oh thanks, Kyr !! I work in a school....

Do you do that at home? Well don't do it here.

Classic teacher one liner.

[PriorityOne]

Originally Posted by fuzzybobble

Do you do that at home? Well don't do it here.

Classic teacher one liner.

Ah yes, but I'm not a teacher. Behaviour support/counselling (teenagers )... DCAs have nothing on some of the kids (and parents) I deal with, believe me...

[fuzzybobble]

Originally Posted by PriorityOne

Ah yes, but I'm not a teacher. Behaviour support/counselling (teenagers )... DCAs have nothing on some of the kids (and parents) I deal with, believe me...

I think we may have already met in person a few years ago.

[babybear39]

P1, do you think you could do something for my 'darling' teen

[PriorityOne]

Are you saying that you were a naughty boy, Fuzzybobble ?....

I have my own darlin' teen BB... but it doesn't stop us from being at loggerheads at times. Mine and yours aren't a patch on some of the ones where I work though... I sat and listened to one young lad describe how to make a petrol bomb not so long ago.... Others have had a horrendous background... and some parents are less than desirable, to say the least.

Never a dull moment.... but I do love the job, the kids and the majority of those I work with !! ... and there's one young lad who I'm particularly proud of right now as well.

Stroppy teenagers ?... no worries. Debt collecting for a living.... no chance in Hell.

[fuzzybobble]

Wait till those difficult teens hit 16. Then a few of them might end up working for a DCA :o Scary thought. DCA's employing chavs to do their dirty work.

Who's ready for a fight then?

[emmaf01]

And I thought knowing how to construct a petrol bomb was a valuable teenage lesson... I wish my Dad had taught me how to deal with DCAs instead.

Where has our little friend gone, anyway? Did he have a rough day or something?

[robinalexander]

I think I'm going to jump in here, since I got a load of stick in my first couple of posts for mentioning I work for a DCA; however, if you actually have a look at the posts I have made, you'll see that they are completely helpful and beneficial to the posters on here. Basically, just don't start the crap up again.

I'll answer a few questions people have posted, and if the OP has different answers, he can post his versions too.

Originally Posted by fuzzybobble

Why do DCA's constantly break OFT guidelines and keep sending demands for payment on an account that has been shown to be in dispute and unenforceable due to the lack of a properly executed agreement?
1. On the phone, lack of proper training on OFT guidelines; 2. I don't know about in other DCAs but in the one I work in, if it is in dispute, it is clear it is and the account gets put on hold.

How much does your company pay for a debt that they buy?
Not much at all, somewhere in the region of 5% of the balance.

How much commission do they make on a debt that is assigned to them from the original creditor?
I don't really deal with the commission based accounts, can't help you there.

On how many accounts do you take legal action on? I've heard it's less than 4%
Again, I don't get involved in the litigation side of it, however I do know that about double the accounts have been sued this year as opposed to 2007.

Originally Posted by Thebhoy

So what about a DCA chasing someone for a debt that IS NOT THEIRS?
If I come across anything like this, I'll send the account to be re-traced and verified.

Threats by letter and telephone.

Failure to abide by OFT guidelines.

Failure to properly investigate disputed debts.

Failure to comply with CSA code of practice.

Failure to comply with Data Protection Act 1998

Is that acceptable IN YOUR OPINION?

How would you address a situation like that?
Don't know what you're trying to get at here, if you can explain a little more, I'll happily answer.

Originally Posted by eastendboy

Why are you here and what is your motivation?
In work, I need to do my job. Out of work, I actually do enjoy reading up about debt and laws surrounding them and so on

How can you knife people in the back all day, and then give advice to people how to heal your wounds in the evening????????>
Simple, I don't knife people in the back all day

Originally Posted by ukaviator

How is the CCA request/ failure to provide agreements going with your company?
If we can't obtain a CCA, or provide one, the account is moved onto one of the few complaints managers who will look at the account. Don't ask me what that means, because I honestly couldn't tell you. Probably a good thing that we don't get to see what happens in the end, because it means that you're not being rang by the normal collectors on the account.

Has it affected your companies profits yet?
In reality, extremely few people actually bother to request a CCA

Originally Posted by rippedoffagain

So what does a DCA who receives a CCA request do, when it becomes apparent that it cannot be lawfully enforced?
As above

In my experience they pass it on to another DCA, or back to the OC. What is your organisations policy?
It's quite possible that the account will be re-sold, but we don't pass bought accounts back to the OC.

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Let me just re-iterate, I did not start this thread, and although I do work for a DCA, have a look at the posts I've made - they're all constructive and helpful. Despite me only having made 48 posts so far, I already have 27 reputation points.