You should not have to put up with this. Send them the harassment letter without disclosing your addresses but ORDER them to remove BOTH phone numbers from their systems. If you dont they will continue to plague you and your parents

I actuall did say that to one of them one time. They kept on bagering me with their security questions and other stupidity. In the end I replied '' Is English your first language? Are you trying to be clever Mr ODC No I replied I was just wondering what part of FECK OFF you did not understand. Surprising they hung up:D

Did you send the phone Harassment letter. If so you have them by the short and curlies

LOL Should this not be Flybynight Ltd:D

We have all been fooled by these BULLY BOYS and their lying and threats. Not any more thanks to this wonderful forum and its experts. Simple policy. IGNORE THEM and like a bad smell they will disappear. If the smell persists use an Air Freshner like new CCA 1974. It always works with imbeciles and cheats

Its a Catch 22 situation. They will abuse, threaten and downright lie to you on the phone.Anything to get money out of you. They are well aware they are breaking all the rules on the phone but unless you have taped evidence you will never beat them. I would dearly love to talk to them on the phone and let them go through their usual rants and play it back to them, send transripts to all and sundry and prsecute them through the courts.

Unfortunately the rules of this forum prevent my naming and shaming of them. You get the picture Im sure. The strange coincidence is that most of them share the same offices, stationary, type faces, and 0870 numbers as the DCAs. Maybe thats just me being a tad cynical

Yes I agree. Sue their asses. Let them see what its like to receive a Court Summons. However I dont recomend certain Mickey Mouse Legal Companies who appear on here

never Ever Speak To These People On The Phone

They probably phoned 118 to a call centre and got someone as stupid as themselves:D

Oh how nice it would have been to have that call recorded and played back to the ignoramus who screamed at you and then laughed before setting the phone down. It would be nice to hear some of the DCAs soundbites on here. Such a professional attitude for a firm of solicitors:rolleyes:

Oh dear they will be in deep doodoo if they attempt to use it to take money from your account. I feel that they would be at the very least guilty of a Criminal Offence under the Theft Act. (Consider informing local police) The firm who passed the details to them are also guilty of several breaches of the DPA. If you have the slightest worry about this second company attempting to remove money from your account by this debit card I would contact your bank and cancel it. Say you believe that details of it have fallen into the wrong hands. The bank will issue you a new one.

Excellent site. Cant wait to see the film if they ever make it.

NONE of the letters I have recieved from any DCA has been sent recorded delivery. So what proof have they that I have ever received ANY correspondence from them.

I am just being prssured by two at the minute. Lowells who doubtless will be passing it to Hamptons and Robinson Way. At the minute Im ignoring them as long as possible. I will CCA them at the last minute and hopefully by the time they get their arse into gear it will be Statute Barred time. I will then further delay the process by SAR ing the original lenders. I have no qualms or scruples about doing this with these two companies because I have suffered threats, verbal abuse and all sorts from them. Other lenders/DCAs who have been sympathetic to my present plight receive nothing other than my full co-operation and indeed get all their money albeit over a longer period than they or I would wish. The sooner these so-called professionals learn civility and good manners the sooner they will get the respect and co-operation of the debtors.

The bank has already SOLD the debt to a DCA and also are allowed to write it off against their tax responsibilities. Just take a look at the VAST profits they are making. Im not using this as a reason not to pay debts but if they took a more sensible attitude to customers who often through no fault of their own get into diffs then they may have more sympathy. 99.9% of people who borrow money from banks have every intention of paying it back but unforseeen problems happen. I recently suffered from a serious illness and found my monthly income cut by £1200. That makes a bit of a difference to my lifestyle and ability to meet all my debts

Its Capital One

To completely F**K them up from the inside would be my only reason fro working for a bunch of low life ****

The more I read of your thread the more Im convinced that there is just a sad git who opens the letters at 1st Credit and decides which button to press on a compyer to send out statndard replies. Why dont you just send the a total rubbish message of randomly generated words and see what happens

THe problem really lies with the SHEER greed of the DCAs and the often illegal activities they use. I have no worries about paying lawful debts but have no qualms about trying to f*** up people who act outside the law and threaten me, my home, my family and my marriage. People like this I will take down every inch of the legal road. I will have no problem turning the law on them even going so far as to institute Criminal Proceedings against them and their employees

You are offering FAR too much. If they think you can pay 1000 they will ask for more. Offer no more than 200 or better still as they cannot prove the debt tell them to take a hike

You have nothing to lose. Anything they make over and above the pittance they paid to buy this debt is a profit for them.

Quite probably. If they cannot produce the agreement and have defaulted (i.e 12+2) then you dont have to pay unless they get a court order. After a further calendar month they will have committed a Criminal Offence. Realise that these folk probably only pay about 10% of the value of the debt. If you really want to pay them an offer of 15 - 20% would be more than enough for full and final settlement. Someone more expert than I will give you a hand to draft a suitable letter to this effect. The ball is at your toe. If they cant prove the debt then they cannot take it to court

Surely out amonst the forum members there are some disillusioned ex DCA employees who could confirm all we know about DCAs and their business practices. Come on Spill the beans

Have they ever actually proved that legally you owe them anything or indeed that they have the legal right to demand it.