Hello Everyone.

[pcah9]

A Totally incomplete database is a database where you only have certain information on certain people,you do not have all the information on each creditor.
Perhaps this MAY be something to do with why the fos is now dealing with the most complaints that it has ever had to deal with in respect of dca`s and why so many mistakes are being made by dca`s.

[robinalexander]

In that case, yes. Again, that has already been answered in post 56:

Originally Posted by emmaf01

do you just get a list of names and (alleged) debts, or do you get a file with the paperwork etc?
Kinda in between. We will generally be given the name, address, phone numbers, balance, last payment date, last payment amount, account open date, default date, credit card number (if applicable), and sometimes, the goods ordered (if applicable). If we need a CCA, statements etc after we've bought the debt, we send to letter/email to the OC to request it. Once we receive it, we file a copy and send a copy out.

[pcah9]

My final question today for you.
In respect of ccj`s on an account that you buy,why are there so many cases of the dca trying illegally to increase the payments.Do you not know the account is subject to a ccj?

[pcah9]

In fact i will answer that for you......NO you do not know do you...cos i have written proof right in front of me .

[robinalexander]

No, if a DCA is still calling you etc for payment arragements then I would say they wouldn't know it is subject to a CCJ. As for 'illegally' trying to increase the judgment amount, however, I refer you to one of Ell-enn's posts:

Originally Posted by Ell-enn

They can ask...... but unless the court orders you to pay more then there's nothing they can do! Sounds like they're just getting greedy and don't want to wait for their money in small installments.

Write back to them saying you are not in a position to increase payments above that ordered by the court, (don't fill in their evidence of means form!) then continue to make your payments on time. DON'T talk to them on the phone, they'll only try and bully you into increasing your payments.

If they do apply to the court to increase payments you will have the opportunity to challenge it (that's when you give evidence of your means!) - and given that you've been making your payments in accordance with the original judgment it is unlikely that they will succeed.

Their letters end with a threat because they are just plain greedy. Fortunately a lot of their "customers" have found this website and have learned how to deal with these threats.

Kind Regards
Ell-enn

[pcah9]

And ALL the threatening letters one receives are totally illegal.

[pcah9]

That is of course if the dca thinks it has one rule and the courts of this land don`t matter.

[robinalexander]

Okay, is there a question in that? If not, I suggest to complain to the DCA. Also, please refrain from double posting, there is an 'edit' button for a reason.

[pcah9]

Exactly the same with statute barred accounts ....you have not got all the information on the account so you are presuming it is still owed.

[pcah9]

oh so sorry are you a mod or site supervisor?
no...oh well stuff it.

[pcah9]

there`s a question it that!!!!!!!!!!!!!

[pcah9]

And yes there was a question,
If one has a ccj on an acount sold to a debt recovery company are the threatening letters sent to the person concerned not illegal if ALL payments have beenmade and are up to date.

[robinalexander]

It doesn't matter if I am not a mod, regardless of that you shouldn't be double/triple/quadruple posting when there is an edit button and you have been made aware of it.

As for the actual 'question', that would depend on a few things. Are the payments being made to the new DCA at the correct amount and on time, or to the OC? Also, what exactly do the letters say?

[pcah9]

The payments are being made to the dca ALL up to date and on time.
The problem is the dca do not have any record of a ccj but i do and i have confirmed this with northampton county court.
The dca in their wisdom have sent a letter ending instalment payments,so i ask you this is the dca above the law ,in my view they have acted illegally and in the view of the oft they have acted illegally so it`s another case to go to the fos.

[robinalexander]

By all means scan a copy of the letter in and we can take a look at it.

[Rooster-UK]

Originally Posted by pcah9

oh so sorry are you a mod or site supervisor?
no...oh well stuff it.

No.

But I am! Please refrain from personal attacks or I will start moderating posts.
The OP joined this site to offer inside information on DCAs and has consistently answered user's questions, despite the attitude of some posters.

As a registered user, the OP has as much rights to post as any other user.
The OP also has as much rights to post without getting slated for it.
I have no objection to reasoned argument, that's what the site is about.
But let's keep it impersonal.

If you have any doubt as to what is and what is not acceptable, I refer you to the site rules, which you might do well to read.......

Forum rules. Please read these before posting

Rooster-UK.

[robinalexander]

Thank you.

[Rooster-UK]

Originally Posted by robinalexander

Thank you.

I am totally unbiased. I do not take sides.
I merely implement the site rules without favour.

[pcah9]

YOU are joking.
What do you think i am a mug?