Hello Everyone.

[thedebtcollectorwhocares]

Hi everyone - I'm new to this website.

To start with I would like to introduce myself, I must point out that I'm purly here to help and give advice to people who are in debt.

I am and have been a debt collector for nearly 5yr's now, I work for one of the largest debt collection agencies in the UK, clearly I cant give my name or the company I work for, but I praise myself on helping the people who I speak to.

Clearly in my work there are things that I have to ask people who are in debt. But the difference with me is I care about what I do and I know how stressful it is for people who are in debt.

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.

Thanks for reading this.

Regards

The Debt Collector Who Cares.

[PriorityOne]

Oh cr*p.. not another one ! You'd be more believeable if you'd registered as "liesandbollox"... lol !

[thedebtcollectorwhocares]

hahaha lol.

seriously I'm interested in helping people in any way I can.

you wouldnt believe how much trouble I get in for not following the code of practise at work!!!

thanks for repaying ooops meant replying anyhow

[PriorityOne]

Originally Posted by thedebtcollectorwhocares

hahaha lol.

seriously I'm interested in helping people in any way I can. Yeah, of course you are....

you wouldnt believe how much trouble I get in for not following the code of practise at work!!! Still there though, aren't you ?

thanks for repaying ooops meant replying anyhow

[thedebtcollectorwhocares]

yes I am still there, we all need to work dont we.

[PriorityOne]

Originally Posted by thedebtcollectorwhocares

yes I am still there, we all need to work dont we.

... which means that you registering on here is a conflict of interests... or were you hoping we'd miss that part ?

[yourbank]

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

[thedebtcollectorwhocares]

I wouldnt call it an conflict of interests. I would purly call it an interest.
Obv I know how DCA's work as does everyone and my only interest is to give some advice.

And at present I'm in the mid's of starting up a debt advice company that is free of charge.

[PriorityOne]

Yep... wait for it, he's gonna shock us all shortly by saying he advises everyone to make a CCA request, just to make sure his company has any legal rights over their account at all.

That's how much he cares... bless !

[MARTIN3030]

Ok Ok....lets give the benefit of doubt until it can be shown or proven otherwise.
The Consumer action group and Bank action group welcomes anyone who can offer input and suggestions that helps users faced with issues concerning their debts.
However we should remember that first and foremost this is a site that was set up to help and get justice for all those at the hands of failings by those who have breached their lawful responsibilities and also their duties.
If you are here to genuinly help those people then you are welcome with open arms.I just ask whether you are agreed as to whether there would be an equal welcome by members here seeking to take an interest in your own collegues websites....such as the debt buying and sellers group ?

[PriorityOne]

Originally Posted by MARTIN3030

Ok Ok....lets give the benefit of doubt until it can be shown or proven otherwise.

Tick, tock then....

So, do you advise people to make CCA requests then, Mr. Debt Collector ?

[PriorityOne]

A simple Yes or No will do....

[fuzzybobble]

Ok the debt collector who cares.

You may have read a few threads around here and seen that many of us have suffered in the hands of the DCA industry. So, be prepared for plenty of suspicion and hostility. If you can cope with that and knowing that you have to prove yourself to be what you claim to be on here.

Ok few questions for you.

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?

How much does your company pay for a debt that they buy?

How much commission do they make on a debt that is assigned to them from the original creditor?

On how many accounts do you take legal action on? I've heard it's less than 4%

[Thebhoy]

Well, what can I say, I am touched - (not as touched as these DCA think we all are - I haven't been sitting out in the mid-day sun).

Profits and bonuses?

A single acknowledgement of 'the' debt!

A small - insignificant payment towards a 'stutute barred' debt!

then what................

the process of harassment / threats starts all over again and where there was little legal right to pursue the alleged debt - some poor debtor is on the slippery slope once more.

Being a religious person, I recognise everyones right to worship their own god(s) and with that thought I send the following to all DCA employees...

May your god be with you and may he come for you soon.

[PriorityOne]

Well... I've got things to do. The sun is shining and my house needs a vacuum.

That should give you enough time to answer my question.... and then justify yourself, as I'm assuming you'll need to.