Keep us all upto date on what happens. The Caggers are here for you 24/7 & your thread will always be here to update when you want

I recall ODC mentioning to me months ago about that incident & i was disgusted then as i am now. Rather than just have 1 or 2 DCA's going out of business here & there - id rather they ALL went

The trolls on here specifically are mostly people who work in the industry to one extent or another & come on here to voice their anger at what they see is the reason for why their industry is in decline, namely sites like CAG. At the end of the day, we are a threat to their way of life & profits etc.. My advice to them is - get out of that industry & go do something else/go start a new career instead of taking your anger out on here

They very rarely do resort to going to court as it will cost them money to do so & it wouldnt be worth their while just to get back £1 per month or something like that. You would have so many basic legal rights/rules/protections etc..it just wouldnt be worthwhile. Thats why they resort to threats & intimidation to get you to buckle and pay up.

I want to see the whole DCA industry cease to exist completely = full stop. Then examples like ODC's unfortunate experience will hopefully never happen to anyone else. The government is in charge at the end of the day, so its up to them & us (as the electorate) to bring about the end of the industry completely.

Yep..thats how low these rogues withy stoop do. The soon the authorities do something about them all the better

Even if they have the actual CCA....it doesnt really make any difference. You have to be in position to make any repayments in the 1st place once all your outgoings are taken into account. In effect - the DCA's are powerless either way

ODC... Of course there are rogues in that industry, as there are in every walk of life. The lowlife you spoke to was the ultimate rogue & no doubt there will be numerous more like him. Based on your unfortunate experience, i fully understand why you loathe them all. But loads of them will not be like that idiot you spoke to & will just be doing the job they are paid to do, to the best of their abilities/what they have to do etc... I would feel exactly the same if i was spoken to like that by a DCA monkey or anyone else for that matter. But generally speaking - it is the system (which they are a part of) that is rotten, not the people specifically, with exception to the above of course.

"Consumer Credit Agreement" You will have signed one of these in the 1st place before getting your specific credit product. It is paperwork that they must have (usually dont) which gives them the right to collect on the debt - if they dont have it, then they are stuffed

I would also go so far as to say...it is the system in general that we have the problem with/dislike for. The DCA's are just part of that rotten system. The government are the one's in charge at the end of the day & they need to find other ways to sort out the rotten credit/debt system for good & then maybe, there will be no furthur need for DCA's in the future?

Its just standard threatogram nonsense, not worth the paper its printed on. Send them a CCA request

I meant human as in...they have just as much an ordinary life (most of them anyway) outside of their working environment as much as anyone does. Everyone on here knows my feelings towards DCA's etc....but even i see that from a common sense point of view.

Like i say, we hate them for the job they do/or have chosen to do - but outside of that environment, they are human beings like the rest of us.

How are they gonna collect on it if its been ruled as unenforcable by a court exactly? Not suggesting anything illegal now are we?

DCA threat monkeys are no doubt in debt themselves. They are ordinary human beings like the rest of us. We hate them for the job they do, not as human beings personally. I think that point needs to be stressed sometimes

Its like in any other business...if you have a rotten attitude towards your customers, then you'll soon be going out of business. Why the DCA's think that doesnt apply to them is a mystery?

I know all that PGH Im just trying to get to the bottom of why they are like that in the 1st place & what good they think it does them It is basic human nature to fight back when threatened..in whatever capacity & they need to realize that.

Why is bad behaviour from DCA's so widespread throughout their industry? For example, there is a thread on here from a poster who was happily paying 1st Credit & is now being threatened for the outstanding amount. Do the DCA's have no sense of "customer relations" at all? Do they not realize that a few simple "pleases'" & "thank you's" might get them alot furthur in terms of getting people to part with money? Instead, they adopt a "sledgehammer to crack a nut" attitude & end up getting nothing It really is incredible how much they are their own worst enemies

Polly will be making a stand against the Lowell bullys on there...i'll see to it that she does

P.Brown & Mr North do not exist...they are figments of the DCA's over active imagination

Examples like this only go to show why they should not be paid anything at all. You are someone who did repay, yet thats how they thank you

I dont think we get enough trolls on here personally

I get into alot of trouble on this site for advocating the "stop paying" method. But those who "tell me off" so to speak, need to READ exactly what i say 1st & not just pounce on me straight away. I dont just advocate non payment for the sake of it - it is usually after i have read a horrendous story of how the person is being lied to,bullied,cheated & generally just being treated shoddily all round by the DCA. I always say "Let a court decide" - i fully accept that may not be good for everyone, but in most cases it is. (none homeowners for example) So you may end up with a CCJ for 6 years...big ruddy deal, usually getting credit for the next 6 years is the last thing you'd need anyway. Rant over

If you search the web..then use the search box provided here on CAG, that will create income for the site

DCA's rely on threats & intimidation to get you to pay up. They are full of themselves in terms of what powers they think they have. They have no more rights to money off you than your next door neighbour does. Only the court system has any powers to extract money out of the individual.