yes it appears he will be missed

hell if that's the case , i would have gladly worked for him as well!

Thanks , red

You just did:)

Thanks for that DannyBoy

...still would have to love to read his posts though....

Pity, i would have liked to have read them

Ok i know i am new on here but i have a question, Richard Spud's posts are often "quoted" on the threads, many times with glowing praise, so how come all his posts have been deleted ? did he do it , if so why or were they removed ? same question again , why?

Yea, i get where you are coming from, its not a nice job but someone has to do it if only to tell it like it is!!!!

I will tell my freinds that they are whores, all of them! and slaves to the rhythm:eek:

No mention of working at a DCA would ever be on my friends CV in the future. They would all pass credit checks no worries, i on the other hand might not !!! . As for the salaries, no one ever said this was being done for money.

I guess like most industries DCA can distance themselves from ex employees saying stuff like " well thats how WE USED to do thing etc" which we all know from these boards isnt true so it would be nice to see it live , as it happens, in real time

Binker , it my understanding thata creditor can sell a debt to an agency in the relevant country and debt recovery procedures will commence under the law of that land. I guess it all down to a DCA and how much the debt can be harvested into v what it will cost to recover

Myself & three friends of mine have had a great idea. These three people over the coming months are to try and obtain employment within 3 seperate DCA. We will then get to see what happens from the other side. 2 of my friends are absolute geniuses when it comes to IT systems. The other one is well up on Company records/account procedures. All three should not find it too difficult to gain employment. None of these 3 post to this or any other debt board, i will be the co ordinator (COS I'VE GOT THE BIG DEBTS and i need time to work on them) for all the info that is "whisleblown" out in due course. (we might even make it into a Michael More/ Channel 4 type expose, hell if its that good, we might even.....who knows.)

We are all prepaid to give up a few months of our time to find out what really goes on. Financially it wont matter if any/all loose their DCA jobs (doubt if they pay much) and we would only plan on being in there for the shortish term. If we get this right it will be full time for me, collating all the info. I am prepaid for that

Hows about that then!

Here's my take on this

if you are not behind on payment the creditors are unlikely to a) believe you and b) to accept your offer, plus i dont know which country you are going to move to but be aware that ...

"Germany and Canada have reciprocal agreements with the UK when it comes to tracing debtors and debt collection practices. There is not much information available regarding other countries with such agreements although a search on the web may reveal more, it is possible that creditors do not want this information to be readily available.

A reciprocal agreement in the UK means a UK Court can enforce a CCJ using the legal system of the other country. If there is no such agreement in place, a creditor can sell a debt to an agency in the relevant country and debt recovery procedures will commence under the law of that land.

Having resources to trace a debtor or having agreements with other countries, or even the possibility of selling the debt to an agency in the appropriate country does not automatically mean that a creditor will be successful in tracing a debtor. In some cases, people do get away with it. A creditor has a period of 6 years from the last time a person acknowledged a debt to use the legal system to recover monies. However, if a creditor has taken legal action on an account, the debt can be legally recoverable indefinitely".

I think the best solutiuon is to let your house sale go through, before completion, speak to Payplan/CCCS whilst you are still domiciled in the UK, get them to propose a DMP. I wouldn't be telling them (creditors) you are moving abroad. That way you can pay off what you can afford month to month. Why give info that is not relevant, if you have moved abroad and have no assets here it still COSTS time & money to track you down, at least this way with a DMP you can remain in some control

Thanks for that,for sure that's what i will be doing ( i have no choice, its take it or get nothing) i just wondered if anyone on here has any actual experience of mass reposessions and all that it entails

Hi

18 properties,

They are all residential properties on a Buy to let mortages, no MIG was ever paid ( or asked for) on application/completion

Does anyone have experience of multiple property repossessions, and the subsequent shortfall debts thereon with multiple lenders?

a) How are they dealt with on a large scale?

b) Whets the chance of F&F offer acceptance on the shortfall amounts v going BR and the lenders getting nowt.

c) Negotiation on large debts

Any help/info gladly received, PM me if it’s a strategy

Hi

I'n new here and i have followed this thread and what i have to say is this

This instance proves that many DCA's are a bunch of unregulated AHoles, what this case needs is AIR, ie it should be publicised everywhere, Press/TV/News Usergroups, EVEYWHERE. Maybe this Gov who likes to regulate the life out of everthing will sit up and take notice.

This just goes to show the underhand methods that they will use to scare the public and just look at the mess 42man is in now!!. A BR order for this should never have been granted in the first place.

A general point now and not specfic to this case

These DCA people need AIR in their businesses. They just cant be allowed to operate to a) make a huge profit out of people's misery by threats, intimidation and out & out lies and b)and be the 2nd tier to save the faces of lenders who want to keep their public image all rosey & sweet

The lenders sell their debts for pennies in the pound but never seem to settle for pennies in the pound withy the original debitor, why? Then the vulture DCA's buy them and try and make huge profit out of people that are already down using tactics that are for the most part illegal!

It is said that DCA read these forums, ( no doubt for their own ends) I just wish some judges would read these and other debt forums, to see what really happens prior to a case getting to court/& to see how DCA's operate in the real world

thats my 2 pence worth, i wish you luck and i will watch this thread with avid interest.