Phone calls off DCA bullies? Yes, I handle them appropriately - via my friend TRUCALL which zaps them all including the ones who fail to leave call back numbers..

As CB suggests - if they have gone on to terminate after issuing a dodgy DN then they may have problems.

Latest on this is the BOS have agreed to repaid PPI on the loan. They also say that the other (FIRST POST) page with the penciled in account number is the preference account agreement that was flogged at the same time as the loan. I think I must have thought that signing all this stuff was mandatory to getting the loan when the courier rolled up. Therefore the 'loan' agreement number is at the top of the 'preference' account agreement/application form too.:-? Has anyone else seen this type of double - account thing before? Advice or faults spotted herein would be appreciated guys ta... I have have another loan/pref account just like this as it seemed to be how BOS worked it back then... They have been chasing this for 12 months with sharks. I sued one of the BOS - directed DCAs for several admin fees on the preference account part of this dodgy deal and now BOS are offering to give me 40% off if I pay them. I am therefore still fascinated by the bit of the agreement which says I can sue BOS if they have given bad service... Eh yes...the service has been rather terrible in fact as you can see.... any advice appreciated..

I am the friend that CB is helping. Is seems that Capone is saying they are prepared to reduce all default charges in the last 6 years to the date of my complaint to £12 and refund any interest charged on those fees.

That was my concern too. Why give them anything at all if no agreement exists? Better perhaps to charge them admin fees and vastly more profitable too. Halting payments also starts the 6 year clock towards it being statute barred.

Yes - get your invoice in ASAP but only after you have clearly stated that you expect either a court summons or notice of closure. Any other response from them is unacceptable and will incur an admin charge. Simple See their silly red letters as an fine opportunity to cream them and not a threat. It is amazing how silent they become, subsequent to one's NI popping into their mail boxes.

I may revise my charges later but at present I usually threaten then charge the sharks one lump sum for simplicity.

Very true – I usually remind them of this when sending in my initial admin charge letter. Their customary response is to say they accepted the OC’s file in “Good Faith”... and/or that they will place the account “on hold”. Sadly for ‘them’ this unwanted response is neither the confirmation of account closure nor a court summons that one requested, so guess what? It incurs an admin fee (with suitable dated and priced up invoice) with the next response! One thing is certain 100% The filthy, misery – laden UK DCA industry does ‘not’ want the land to get hold of any of this news.... Imagine the ramifications if banks cannot enforce their twisted iron will on millions of victims, via their aggressive pet sharks! I, like others, have made it a life-quest to give back some of the misery these institutions create in 21 century UK.

Hi Guys – I am glad this has helped a little. Believe me, I have been through hell and high water with the many accounts I have placed into dispute via PPI misselling, absence of appropriate documentation etc. Believe me though it can get a full time job dealing with issuing out your admin charges to the sharks. When you bill them they almost always write back in great detail to ‘advise’ you that they do not recognise your terms and will certainly ‘not’ be paying your admin fee. This is to be expected, ergo do not let it deter you one iota from pushing on into the battle. They are soliciting a response from you and you have fairly warned them not to do so therefore you are making a reasonable administration charge to cover your time and effort in responding to their intimidating nonsense. The onus is on them, after you have informed them of your dispute, to address the issue with the original creditor, not you. I personally feel that recorded or special delivery is the best option. Proof of posting is cheaper I know and ok for lesser deeds but you will feel better knowing you have right on your side and can show a judge that the letters have arrived. Things can move fast and the last thing you want on your mind with a pushy shark is whether or not your letter has in fact arrived at their door. I do however advise you to regularly chase up letters via the PO Track and Trace facility as I have had quite a few go AWOL . Once your NI has gone in it gets interesting as by now the shark finally realises at last that you are NOT fooling around and WILL take them to the cleaners if they fail to wake up. Charge rates are something that is open to further debate too. I feel at this stage that keeping your charges reasonable is prudent and will give you a greater chance of the shark paying up early to avoid further aggro. As to Phone calls... Well I am a confirmed fan of Truecall . If you are being hassled then get one fast. You will love the peace it grants you. It also gives you the ability to keep a record on your PC of who calls you and when. Do not waste your valuable admin time on the fools behind these odious companies. Do not speak to them. Red letters used to turn my stomach – now I smile and soon convert them into admin charges. The lady assistant at the small claims court is used to seeing me there and beginning to be quite helpful.

Thanks very much - the lady at court mentioned this too......... "'I state that the High Court of England and Wales has power under the Civil Jurisdiction and Judgments Act 1982 to hear this claim and that no proceedings are pending between the parties in Scotland, Northern Ireland or another Convention territory of any contracting state as defined by section 1(3) of the Act."

Turning the tables on DCA Bullies Have you got a genuine complaint with a creditor, are you fed up with the endless templated letters that do nothing to resolve that complaint. Are you confused that having failed to deal with your complaint properly, the Original Creditor/Bank then passes your account on to a Debt Collection Agency, the Robinson Ways, Moorcrofts, Wescots, Apex’s and Blair Oliver Scotts of this world. Now you have the endless stream of templated letters coming from a different source. Only they are now are a little more aggressive and intimidating. The “contact us within 48 hours” letters that are just a device in order to have you telephone them where they then have undocumented access to you. The post cards that advise someone “will be calling you on such and such a date” Letters from the “Pre Court Division” proclaiming that, Intended Litigation is imminent. That they have no choice but to advise their client to proceed to litigation. That they have researched the Land Registry and know you are a home owner. That a charging order will be obtained (despite the fact that they need to take you to court and win, etc). That they have confirmed with a major utility company in order to confirm your address, despite the fact that they have written to you umpteen times previously and you have responded from that very same address?? The letters that at first glance look like a court forms The endless phone calls? You write back time and time again, advising that the account is in dispute with the original lender, and will they please stop harassing you and return the account to the OC for resolution of your genuine complaint, but the letters and calls, they continue to pile up. This Cagger became so fed up with this that after responding to the umpteenth letter decided to advise the DCA that should they continue to write knowing that they were in breach of OFT guidelines. That whilst there was a genuine complaint and it still remained unresolved, then I would be charging them an administration fee for each letter that required my time consuming response. The first DCA was sent 2 invoices these were ignored and the letters continued. An N1 was issued for unpaid invoices. On receipt of the claim form, the DCA paid up. The 2nd DCA was a tougher nut to crack, this took 4 invoices. The DCA responded by saying that they knew of no law that allowed a debtor to charge them for responding to their threatening letters (they actually wrote “requests for payment of outstanding debt”) So another trip to the court to submit a further N1. The DCA decided they would defend and their incoherent defence was received and a response witness statement (WS) was submitted. This WS detailed the harassment endured before frustration took over. There was a genuine and unresolved complaint with the original creditor. That the OC had written advising that they knew they would be unable to enforce in a court. That despite being advised on more than one occasion of this, the letters from the DCA became increasingly aggressive. Included with the WS was a copy of the OFT guidelines that pointed out where the DCA was breaching them. False representation of authority and/or legal position 2.4 Examples of unfair practices are as follows: b. falsely implying or stating that action can or will be taken when it legally cannot. Physical/psychological harassment 2.5 Putting pressure on debtors or third parties is considered to be oppressive. 2.6 Examples of unfair practices are as follows: h. ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment. A copy of the letter from the OC with the statement that they knew the agreement was unenforceable, highlighted. Therefore the threats of court and charging orders, threats of bailiffs calling were just empty threats, amounting to harassment. That having given fair warning to the DCA that the invoices would be sent should they continue, it was believed the amounts were due and payable. Would the court please see it that way too? This was submitted with the Allocation Questionnaire at court last week and a copy sent to the DCA. This week, a cheque was received with the DCA requesting me to please file discontinuance at court. Another one bites the dust. Notes: State fairly that you are permitting the DCA at least 2 weeks to pay you your admin fee. Do make sure that you have a genuine and unresolved complaint in with the Original Creditor. Do make sure that you have advised the DCA on more than one occasion of this and ask them politely to return the account to the original creditor. Always ensure that the DCA has received your letters/admin charges, via Recorded or Special delivery so they cannot plead ignorance at a later date. Do not be put off by their cries that you have no legal right to charge them for soliciting a response. It is also worth remembering that a DCA has plenty to lose if you take them to court and win. They do not want word getting out that they have been sued by a party that they are supposed to be pursuing for their client. This news leak would open the floodgate against them so the logical and most economically viable option is to give you your admin fee and move on. You can win – I have, several times!

Ho Ho - the solicitor ploy failed to work so they are now trying to press again themselves for the course fee.

I recently went to small claims court to issue an NI against a pesky DCA for my admin charges. However the assistant advised me to take legal advice as the registered address of the DCA was in 'Scotland'. How does this affect my claim? What do I do to get my claim in?

Giving a firm fair notice that you will charge them for something you do not wish to have, such as harassing letters off them, is reasonable practice. To bill them for your response, that you DO NOT wish to give, is perfectly fair. It works!

Well - what you do is write to them, via recorded, stating you will bill them an admin fee if they write with anything other then news of closure/summons. If they write back with crap then send them your invoice for ££££ Give them 2 weeks to comply. If they fail to comply then go to your SCs court - get in an NI form, and then wait. The shark will be served the notice of issue and then you will either get your cash off the shark or not. If they fail to reply, fill in the notice of issue that you hold and the court will get the defendent to cough up.. If they wanna fight then go to court and tell the judge that they wont pay your invoice and remember this is a totally seperate issue as to why the shark is chasing you. I reiterte - IT WORK!

Politely inform them that the debt is disputed. No need to go into raptures as to why. Then warn them that you will be sending them an admin charge for your time-consuming response if they harass you further. If they do harass again then give them 14 days to comply with your fee. They will tell you they do not acknowledged your fee. That is good as you can them go to the small claims court with an NI form. It works!

Thanks guys - its a busy life doing banks for PPI as I have found out but nonetheless an effective thing to do....... Main thing is to dismiss initial refusals and go for the throat

Send DCA **** a warning that you will bill them for an admin fee if they persist in harassing you. Give them 14 days to comply when you have sent them your invioce. If they fail to pay your fee then just go get your NI form (fill in and print out on line) and bang it in at your local SC court Simple!

Have NO doubts about getting one of these units. This are worth every penny or the peace the will bring... They are a brilliant weapon against DCA **** who get incredibly annoyed they they can no longer harass one over the phone once they are on truecall's zap list..

I also had one with Providian that became Monument and then Barclaycard... It also has PBP on.. Barclaycared must be in for as slamming on the PPI which they fob off as Payment Break Plan.. They cant even provide an agreement for me... Hope the FSA etc get into this and fine them millions.....

All most useful for adding to the Truecall zap lists...... Lovely!

I also have discovered that accidental death cover has been on a BC policy for years.... what's the latest on this lot? any success in getting it back?

I am also chasing a similar capone story as this........

WINNER RBS has just agreed to refund all PPI premiums paid and insurance. Nice!

Claim went in at end of November and they have just written again asking for my patience whilst they investigate. This time however they did say I could go to FOS if I was unhappy about the wait. How sweet of them. Not sure what path to take .