Hi When asking for doorstep callers not to come around from a DCA we normally quote in the letter '...police will be contacted...' I'm just curious if anyone has ever done this? Has anyone had a caller who has refused to go and you have called the police? If so did the caller leave before the police came? Did the police come and they removed the caller or did the police come and side with the caller?

Am I right in thinking that if you offer a payment to a Debt Collector they have to legally accept it or take you to court? So if someone offered to pay £1 a month for the next 60 years to pay off a debt they would have to accept it? Anyone know, or am I talking out of my backside here? (wouldn't be the first time!) It's just something I saw on a website and I just wanted to check if it was true or false?

Do you have a digital camera with video capability? Or if you can afford it buy a small cctv camera for around ten pounds from ebay. When they next knock just start filming them with your camera or point to the cctc camera and tell them all is being recorded. They will back off then because they will need to be nice, you can ask them to leave and if they don't you will have it recorded so they probably will go. You can even put a fake cctv camera up as long as you mention they are being recorded they will leave you alone rather than get heavy handed.

Just means you should never ignore court papers that come through the post, either contest them or accept them and offer a payment plan that you can afford, ignore it face losing your house.

What a good day that will be, even better they don't pay up and you have to get court baliffs to go in, while you sit and watch!

Interesting, I posted a a thread yesterday http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/206765-puzzle-day.html asking the same thing, although I was just curious and not intending to do this. However, it would be interesting to find out if someone on here has tried this or trying this. I personally don't see why you can't if the DCA or Creditor can't prove you owe them any money, but if you make a claim against them they could do a bit more thorough investigating in their archives and find a signed agreement, in which case they would turn the tables and begin chasing you again. You got to ask yourself now that you have got them off your back do you want everything to stay quiet? Or do you want to persue them and start something you may not win.

Anyone used a vidoe camera at all towards these mugs? They call, you open up with a camcorder to your face recording their every movement and word, wonder how long they would stay on your doorstep? Wonder how many would come up with the stupid line 'please stop filming me' 'YOU'RE ON MY DOORSTEP MUG, I CAN FILM YOU IF I WANT!'

Ok, thanks for that, nice quick answer!

OK, So you've been paying a DCA for a loan for around 3 years. You move house, stop paying, the DCA contacts you 6 months later to pay up. You ask for CCA, they can't produce it, you feel good. And here's the question... Can you go back to DCA and ask for the 3 years money back or you take them to court? Knowing there's no legal CCA on the account. Possible or not? Not that I want to do this I'm just curious, anyone tried? Or best to keep your head down knowing they can't chase you and not wanting their legal team suddenly find the CCA lurking in some store room somewhere!?

Hi Just wondering if anyone on here believes they have been contacted by debt collectors after they have viewed details of them from social networking sites, ie: facebook, friends re-united etc? I looked up my name in google and realised that details such my date of birth, town I live in, schools I went to, places of work I have been employed at etc, were visible for all to see! I've since updated my profiles on these sites not to include this info. Is this just being paranoid?

I think maybe 'fine' is the wrong word used here. 'Charge' for your time, ie: replying to a letter is acceptable, and I think you are legally entitled to. The DCA contacted you so if you are replying to them, after you have told them not to, then I can't see why you shouldn't be able to 'charge' them in replying, for your time, for the cost of your paper, ink, postage charges etc.

I think me.ton if you reply to one of their letters and state how much you charge for each letter, phone call they make then what's to lose?

I might just try it myself if I get any more letters from Debt collectors, don't think it can hurt.

ok, so if you were to lower the charge it may be worth trying? Could be something to add on to the letters already on this forum, so send the letter on here stating the debt is not owed by you and at the bottom of that letter add the contents of the letters on this site for good measure maybe?

Hi All I found this How fine debt collection firms under English law from The Mother of all Campaigns Is the advice and letters on this page legal? Thanks

The debt is about 5 years old Thanks

Hi Had a letter from a debt agency as a final demand for an old debt. The letter states that if payment is not received then it will go to court action. The only thing is that they have addressed the letter with my first/Christian name wrongly spelt as per a previous letter I received from them. If they take court action, and it's a big IF as I believe they are just fishing for information out of me, could I claim a defense of they don't have the correct person because of the first name being wrongly spelt? Either way I am sending the normal 'I don't acknowledge' the debt letter to them. Without my name on the letter of course! Thanks for your help