Hi there IF they are offering a discount on a debt have they actually BOUGHT it -- AFAIK utilities NEVER offer discounts to customers for services actually consumed. If they did this it would would obviously be a carte Blanche method of ALWAYS getting cheaper bills -- never pay until the DCA steps in and offers a discount. This obviously won't work so something is VERY FISHY indeed here. Mind you Scottish DCA's collecting debts in England -- well that's another problem. Cheers jimbo

Hi there I think people on these Forums who have ever run foul of RESTONS know how simply horrible dealing with that firm is. I actually had a letter from them confirming that the order had been satisfied and the Charging Order they had placed on a property (Credit Card - Marbles / HFC Bank) would be removed. I checked the Land Registry on 27 / 11 / 2010 and the Charging order is STILL there. What do I have to do to these bozos to even ensure that stuff THEY AGREE TO in their letters is complied with. I incidentally can NEVER get any decent statement of account from them either. I do have the letter dated way back in September that the Original Creditor has accepted the Full and Final settlement which has been paid. The client (HFC Bank) have agreed settlement and the charging order will be removed and the account is now closed. So what do I do next. Short of using French Student's tactics against RESTONS how can I get them to do what they say they will do. The Russian Mafia or even the Slimy Bryan Carter are probably easier to deal with. Please CAGGERS if there is EVER ONE firm of Solicitors that needs to be SHUT DOWN THEN RESTONS is it. Cheers jimbo

Hi there I think you have a PERFECT HARRASSEMENT AND EXTORTION suit available here. If you follow this through maybe you can get the notorious Bryan Carter actually JAILED. Now wouldn't that be a LOVELY XMAS present for everyone and a great way to start the New Year. Cheers jimbo

Hi there All in good but what is happening more and more is that the OC gets a CCJ AND a CHARGING ORDER at the same time -- not sure of the exact legality of this but it seems to be the latest tactic even though the effectiveness of Charging Orders isn't that great in the OC getting paid. A Court won't order a forced sale of a property for a fairly small amount of originally UNSECURED DEBT (in relation to the value of the property). In any case if there is negative equity a Charging Order is all but useless -- but if the Original Creditor is dealing with debt rather than a DCA we might actually be WORSE OFF. One way or another its US who will get screwed NOT the Banks etc. The whole Debt collection industry is such a VILE ROTTEN STINKING piece of dogpoo you will find they will ALWAYS find newer and nastier ways of harrassing people who may for reasons totally out of their control have got into debt. Cheers jim

Hi there In my Post I basically said that RESTONS can usually be challenged on the generally utterly APPALLING and EXTORTIONATE "Collection Fees" they add on to the bill. I think the OP needs to look at what the original CCJ stated and the amount that's on the Charging Order. (I assume that there WAS a CCJ at one time and this wasn't complied with. If there isn't a CCJ then the CO can be easily set aside -- if the Judge didn't check that first then the whole Court system is in SERIOUS trouble. Judges should at least know the basic law before being allowed to adjudicate). I believe also that if the amount is under 5,000 GBP then Interest CANNOT be added on to the charging order -- a litigation SOL should be able to check that one out. If there is a large discrepancy between the amount on the Charging Order and the amount the CCJ specified then I believe you can challenge the CO. Incidentally RESTONS don't seem to send out accounts either so its very difficult to get a day to day balance if you DO pay them anything. I managed myself to get a Full and Final with HFC --thank goodness but I've still got an ongoing dispute with RESTONS saying that I WANT and HAVE a right to a full statement of the account including dates money paid in and charges. I've reported them also to COMPANIES HOUSE as I believe Companies are required to keep proper accounts. This might get some reaction from them -- the OFT doesn't seem to have any realistic sanctions and complaining to the The Law soceity is a bit like getting Turkeys to Vote for Xmas since most of these organisations are like "Old Boy" networks who always look after their own whatever the situation. Cheers jimbo

Hi there Whatever the merits or otherwise of the case please be warned that if RESTONS are in on the act they are WITHOUT DOUBT THE NASTIEST and MOST UNSYMPATHETIC firm to deal with and they WILL go to court at the slightest opportunity. Also you'll have a devil's own job of getting any meaningful balance of accounts out of them and if you own a property they will slap a charging order on it so fast that you'll be served with one of these even before you can send an account in dispute order. If RESTONS are in on the act I would try and come to some deal with the ORIGINAL creditor such as some sort of offering a Full and Final Settlement -- these days it's getting harder and harder to challenge the CCA where external DCA's aren't involved. Do ANYTHING to get RESTONS off your back --You would get a better deal from the Russian Mafia. Incidentally the ONE area where RESTONS can be challenged successfully is over the utterly appaling and extortionate amount they charge to their bill for "Collection Fees". I believe there are some recent Court cases showing that these have to be proportionate and bear some realtionship to the REAL cost of collection. In spite of the New Coalition taking a dim view of Charging Orders being used for things like Credit Card unsecured debt RESTONS just go ahead anyway and they will threaten to get a forced sale too -- even though a Court is most unlikely to agree to this -- they still use it as intimidation tactics. RESTONS is the VILEST, NASTIEST and MOST BIASED firm i have ever in my life had to deal with. Arrange a Full and Final with HFC if you can -- they will accept around 33% in general cases if you can pay it off reasonabily quickly - especially if the charging order doesn't bear continuing interest charges. Appeals on invallid CCA's will probably fall on deaf ears these days -- and if you ARE successful then it will take a lot of your time and possibly money --RESTONS have a seemingly unbustable source of funds too to finance their frequent Court forays. Cheers jimbo

Hi there I'd also report them to Companies House -- this carries much more weight if you can show the company has not complied 100% with the regulations regarding operation of companies especially in regard to accounting proceedures. I often read on these forums about the INCESSANT and extraordinary number of phone calls people get from DCA's. Now WHO pays for these calls -- I really can't belive that these companies would bother making 50 or so calls to an individual for a smallish debt --so another way of having a go is to report them for "dubious" and incorrect company accounts. Even if they DO file proper accounts the sheer hassle will be a salatuory reminder to these scumbags that people are just waiting for the SLIGHTEST SLIP UP. Cheers jimbo

Hi there Blackhorse otherwise known as the "Loan Sharking Division" of LLOYDS / TSB which themselves have received HUGE amounts of money from the taxpayer usually go to court at the first opportunity and will endeavour to get a charging order on really SMALL amounts of debts. Whilst the whole charging order process is being reviewed by the Coalition Govt it still goes against the craw that a Bank such as Lloyds /TSB wouldn't even exist these days if it weren't for the hard pressed taxpayer. This type of argument although totally morally correct unfortunately doesn't carry any weight in a Court -- but you can usually defend against these "Loansharkers" on the grounds of excessive charges, insurance you didn't want and other unlawful fees. Don't ignore them however as the WILL go to court and get a default judgement. It's much harder to fight AFTER THE FACT. Cheers and good luck I HATE BLACKHORSE with a passion --a responsible bank (do they exist) should not be in this type of "semi legalized loansharking". Cheers jimbo

Hi there I would have thought so too -- but apparently what's on the Land Registry seems to be the value they want to take and its up to the individual concerned to get a refund for the overpayment from whoever. I would instruct the vendors solicitors to get the statement of account from Restons or whoever --they might have more luck than getting it yourself. This whole thing seems a Dogs Dinner of a mess. I suppose it doesn't happen too often since either there isn't enough equity anyway to enforce the charging order when a property is sold or people just don't pay the amount off and don't move for years and years. It's not surprising that the whole issue of charging orders for unsecured debt is rapidly becoming untenable. With any other type of bill whether a loan, car payment or whatever you always get a statement of account with Balance due on it. Doesn't seem to work with the Land registry however -- even if they were only to do it say once a year. It really does seem that the WHOLE amount stays registered against the property until its ALL paid off (or final settlement agreed). Disgusting mess where the losers are the poor individuals who for whatever reason have got into the situation. The Banks again get away with having to do NOTHING for their horrendous fees. Cheers jimbo

Hi all I was lucky enough NOT to be a victim of this -- but here again my Favourite Cuddly "Family Friendly" firm RESTONS seems to be involved yet again. A collegue had a 10,000 GBP Charging order on a property based on an old HFC Marbles Credit Card (HFC Bank). He's been paying some of it off and owes around 5,000 GBP. He has put his property up on the market -- offer accepted etc etc but the Land Registry still records the ENTIRE 10,000 GBP against it in spite of the fact he's paid off 5,000 GBP on it. He for love or money can't get any current statement of account from Restons giving him his current balance although with great difficulty he has managed to get receipts of money paid to the account. I've reported RESTONS myself to companies house for failing to provide adequate accounts when I had the mis fortune to deal with these wretches. What does he do next -- he doesn't actually have a problem with paying off the rest with profits from the property sale but the solicitors say he will only receive the sale price of the property less the ENTIRE 10,000 GBP that is in the Land Registry against the property. RESTONS of course are their usual unhelpful selves saying it's not their problem (well actually they have SAID and DONE nothing -- no account balance statement etc etc) even though THEY HAVE RECEIVED almost half of the amount on the charging order. So am I right in saying that irrespective of the amount you pay off the ENTIRE charging order amount stays on the Land Registry until its fully repaid. Opportunity here for some profiteering at the property owners expense. Cheers jimbo

Hi all This company which is probably notorious on the home repossessions forum was really rapped by the Sunday papers this weekend --slating it as the company who have taken out the largest number of re-possessions of any mortgage comany for fairly small amounts of arrears - often for as little as 1200 GBP on a property where the mortgage holder had over 200,000 GBP in equity on it . This company is even more notorious than Kensington who operate in a similar vein and are also well known in these Forums too.. Capstone Mortgages was an offshoot of the failed Leahman Bros -- and we all know what happened there. It's also undergoing investigation by the FSA. The mortgages they packaged up were DESIGNED to be UNPAYABLE and were packaged up into parcels of "debt" that the Amercans call "Sub Prime Slime" and sold off. This whole business of packaging up debts and selling them off SHOULD BE 100% OUTLAWED -- this would stop a lot of needless repossessions, huge amounts of unnecessary harrasssment by DCA's and bring some sort of order into this whole stinking rotten debt collecting "Industry". People CAN for all sorts of reasons get themselves into debt and much as we might not like it creditors should also have some sort of redress for getting their money back --but the whole process needs to be carried out FAIRLY and COMPASSIONATELY. I think a lot of us know that it's always the people WHO CAN LEAST AFFORD TO PAY that get threatened with court orders, huge solicitors costs and absolutely EXTORTIONATE "Collection Fee" charges -- as anybody who has ever had to deal with that well known firm of extortioners known as RESTONS in Warrington will surely testify. These guys are famous for adding "fees" of 1000 GBP on almost trivially small amounts of money so please any cagger DON'T BECOME ONE OF THEIR "CUSTOMERS". Anyway finally I think the days of the Debt Collection Industry being able to carry on like it is doing now are finally numbered -- as well as the solicitors working for them. Cheers jimbo

Hi there I doubt if they would even bother to attempt going for Bqnkruptcy proceedings since it will COST THEM money which they will have totally NO HOPE of ever recovering. Just tell them you have ZERO to pay and if they DID actually be stupid enough to go to court again the court would probably stipulate an amount of 1 GBP a month to pay. There's a HUGE difference in what they ostensibly can "legally collect" and what is actually PRACTICAL. If you don't have any money --short of winning the lottery _ where do these BOZOS think you are going to get any money from. In any case having been forced out of your home why should you bend over backwards to line their pockets even more. Cheers jimbo

Hi there Banks are EXTREMLY UNLIKELY to send a warrant for execution after only ONE missed payment. In any case it has to go back to a COURT first and the more usual procedure is that if a CCJ is not complied with they will go for a charging order if you have any property -- and even this isn't always done -especially these days where Charging Orders are frowned upon for UNSECURED DEBT. Even if the ****** DCA does this it will take several months anyway. Something just doesn't seem right here. Although I LOATHE DCA's and their wretched conniving Solicitor Firms like RESTONS with a passion they generally don't go to Court after only ONE missed payment with the possible exception of RESTONS -- Please I hope you NEVER EVER have to deal with THAT load of SHYSTERS.. In any case you have to RECEIVE the warrant of Execution first. And as always NEVER EVER LET BAILIFF'S IN. Although your right with Bailiff's is a lot more limited than for Council Tax arrears where you LEGALLY don't have to let the bailiff's in you can still refuse to deal with them even for a Court Warrant. Unless its a criminal matter the Bailiff's CANNOT BREAK IN unless accompanied by Police or a Court official and that needs yet another COURT warrant so its not a quick process - especially for only ONE missed payment. I suspect its just a harassement letter -- Report the person sending it to OFT or FOS. Cheers jimbo

Hi all It's amazing how these utter ****** DCA's seem to crawl out of the woodwork just near XMAS sending their seasonal greetings -- WE WANT XXX or ELSE. Some of these debts are AGES old whilst judging by posts on these forums other people are victims of "Phishing Trips". Well Caggers any ILLEGAL actions on their part and especially if you are being pursued for debts that AREN'T yours -- SOCK IT BACK TO THEM. REPORT EVERY HARRASSMENT and if there is any chance of prosecuting these bullies GO FOR IT. They are obviously trying to emulate the Bankers with thier huge bonuses and are looking forward to a nice New Year holiday in the Sun. Don't let them do it at your expense. For the New Year our motto should be " A Cagger a DAY Exterminates a DCA". Hapy XMAS and a DCA Free New Year everyone. Cheers jimbo

Hi there I was definitely working away at the time but a Court might (reasonably) say why wait until now to have this set aside. I was a bit "Ostrich like" with some of these older debts. If I can just get this whole issue off my back without costing me an arm and a leg then I just want RID of the whole wretched affair -- but I still want to show these ****** DCA's that they can't have it ALL their own way. It was CL Finance who actually got the CCJ so the debt must have been sold to CL Finance who obviously got a CCJ by default -- it was that wretched Bulk centre in Northampton who issued the original CCJ. If I were a Politician in Northampton I'd stand on a Platform for having this business SHUT DOWN and ensuring that all Court Summonses have to be received and SIGNED FOR by the person being sued -- none of this "Posted to last known address" being good enough. NOBODY should be able to get a judgement by default IMO. Cheers jimbo

Hi all just when you think you've got everything under control and just about to enjoy a decent XMAS for the first time in years yet another DCA seems to appear from Nowhere hassling like crazy. It seems that I got a CCJ years ago from EGG not quite long enough for it to be Statute Barred unfortunately -- amount is under 5K so no risk these days of having forced sale of property etc etc. Anyway I was working away at the time so I never paid the CCJ and the debt was eventually passed to CL Finance who did what was normal at that time (although much more frowned upon today) got a charging order on my property. I only realized this after seeing off Restons who really are the ultimate in slimebag tactics but that debt is now cleared. Anyway I'm getting hassling letters from CL Finance who are charging 5 GBP a time for each threatogram sent out saying they are under instructions from Bradford County Court . I've looked at the judgement -- it does seem legal enough unfortunately but there is NO provision for INTEREST and other charges. The New Coalition Govt also doesn't like the whole idea of Charging Orders on Credit Card / other "Unsecured" loans for less than 20K anyway. Should I offer them a Full and Final of around 30 % saying I could be in the property for another 40 years by which time inflation etc would have reduced the value of this loan to ZERO or should I just sit tight as I don't think now they can do ANYTHING especially as the amount outstanding is for less than 5,000 GBP and the Court Judgement (Luckily -- seems a bit of a mistake by CL Finance in going for their CCJ / Charging order) did not provide for Interest or other charges to be added. I've got the Court Judgement records in case CL Finance want to start playing Roughball. If these companies just weren't so GREEDY and AGRESSIVE they might actually COLLECT some money instead of getting up people's noses. I'm just tempted to tell them to F.O and see what happens . In an emergency I could pay something so it won't come to a forced sale especially now with the whole use of Charging Orders being somewhat discredited -- last lingering legacy left over from the dying days of the previous administration but I really want to impress on them that going for charging orders will make them LESS money and take them LONGER to collect than had they dealt with this matter in a courteous, symptathetic and professional way -- probably unheard of in the Debt Collecting "Industry" in any case. I still feel that the whole use of Charging Orders on UNSECURED DEBT is really disgusting since no mention of this possibility is EVER mentioned on a CCA. Had it been I wouldn't have taken the card out in the first place. I've checked credit files etc etc and this really is my LAST debt apart from an ongoing "phishing trip" from Buchanan Clarke and Wells trying to collect a debt that IS NOT MINE -- unfortunately I have a fairly common name so obviously mistaken identity -- but that's another post. I just want to see off CL Finance and be DEBT FREE at last - but I don't also want to fill their XMAS STOCKINGS either. Cheers jimbo

Hi there in addition to the "Bemused Letter Template" you should also request not only as stated in the Letter proof that the debt exists but also you want THEIR AUTHORITY TO COLLECT IT. After all anybody can say XXXX has asked me to collect yyy GBP. If they don't provide their authority to collect the debt then making threatening demands for money is EXTORTION and is a CRIMINAL offence. One of these days a ****** DCA will step over the line and then its GAME ON. It's time these liars, cheats and other low lifes were bought to book anyway. Cheers jimbo

Hi there I'm getting fed up to the eye teeth with this miserable SCOTTISH shower tryng to collect a debt in ENGLAND - where the debt DOESN'T exist. I've had numerous threatograms from these miserable barstewards saying that I owe an amount (quite small - around 100GBP) to National Power. I sent them the "Prove it" letter and requested their authority as well in collecting the "alleged" debt. After all anyone can say I've been asked by XXXX to collect YYY GBP on their behalf. I've also had zillions of the typical rubbish phone calls you get from DCA's too -- I sent the Harrassement letter but it didn't stop the calls until I just told the RUDE scottish person at the other end just to F.O and if I ever got a phone call again I would use every provision in Scottish Law to have the caller JAILED. I don't know if there is any provision in Scottish Law for this but the calls at least stopped. Anyway their threatogram machine continued to spew out their demands each one obviously getting more panicky than the last - including "Threats of Litigation" and "A home Collector will call" -- fat chance of that - my Rottweilers will soon see any of these uninvited scumbags off the premises really fast. They seem to have more divisions than the notorious Moorcr@ap with their "Pre teen", "Pre school" etc divisions. No proof of this debt has ever been received. Now in Scotland they have quite strict extortion laws -- demanding money without proof that they have a right to collect it is extortion under Scottish Law -- so I said unless you send proof I'll pass this over for a possible extortion case. The next thing is I get a letter offerring a "Substantial Discount" -- actually "alleged debt" reduced to 75 GBP from approx 100 GBP. Now I haven't heard of ANY utility company reducing debts where the consumer has actually consumed gas / electricity specified in the bill. I'm totally suspicious in any case -- I KNOW I can't be responsible since I have British Gas as my supplier -- never had dealings with NP. So how can I finally get RID of these vermin -- it's harder to get rid of these pests than a Cockroach Infestation in Southern Louisiana. The fact that they are a SCOTTISH firm chancing their Luck on phishing trips in ENGLAND just adds insult to injury. Who in Scotland can I complain to -- the FOS doesn't seem to care any more. I've also written to NP to confirm that this debt is NOT mine -- am awaiting a reply from them. The whole rotten stinking Debt Collecting industry needs to be overhauled and IMO 90% of the people in it should be IN A TOUGH JAIL. If we ran our affairs the way these people do we would be in court so fast our feet wouldn't even touch the ground. Anway I hope we can get BCW put out of business. They really are CLUELESS as well as exceedingly IRRITATING. Cheers jimbo

Hi there There was an interesting point raised in the thread on the Equidebt post by Lissychops -- but rather than obfuscate that thread I was just wondering if any decent SOL could clarify a position on when a DIFFERENT creditor is attempting to collect a CCJ. As far as I know (although I'm not legally qualified so this might be incorrect) a CCJ basically says Person A owes money to Person (or Business) B. If Business C gets involved then this surely is against the Court Judgement since the CCJ says you have to pay B. I don't believe that the Pass the Parcel tactics used by DCA's in moving debts around can be done for CCJ's - nor can they be "bought and sold" like other debts. Any clarification here -- and if there is evidence of this having been done is there any case law to quote so the original CCJ can be set aside. Thanks Cheers jimbo

My answer to these is not a legal response but a PRACTICAL arrangement. Sometimes people in the legal profession get to carried away by thinking what actually happens in a Court can ALWAYS be carried out --often there is a BIG difference in getting a Court Judgement and having it actually enforced. My instinct is to anybody who has been forced out of their home by GREEDY financial institutions shoul if they don't own any other property NEVER EVER pay any shortfall since the companies usually sell the property at knock down prices to "friends" such as local builders etc etc. If you just REFUSE to pay up what can they do -- you don't have any seizable assets of any significance -- and the worst that can happen is that they can applyu for a Bankruptcy order which will cost THEM an additional 500 GBP at least. These days going Bankrupt is not a stigma any more and that effectively ENDS the matter (plus any other debts you might have). You can get out of bankruptcy again after 5 years -- OK you can't have a Credit card but these days thats no bad thing either, and you need to operate a Bank account rather more restrictively but it might be worth while -- the company chasing you in any case is unlikely to make you Bankrupt if there is no realistic chance of them getting any money. So although not legal advice I'd just tell the company chasing you in no uncertain trerms to FOXTROT OSCAR and just call their bluff on any threat of Court proceedings -- if they DO go it's just wasting the courts time and THEIR money. Considering the HUGE insane amounts of money paid by the taxpayer to bail out these financial institutions (and they are BACK to their old ways of paying out really DISGUSTING bonuses to people just sitting at desks and making a few mouse strokes) the way they behave to people experiencing financial hardship is just beyond words - especially when they've just forced someone out of their home. I wouldn't pay any of these vermin a single PENNY whatever their Kangaroo Courts and Lickspittle judges say. Cheers jimbo

Hi there First thing to do is YOU can decide how much to pay --NOT MOORCROFT. Take control is the first step in dealing with the thugs and bullies who infest this dreadful industry. Even if the worst comes to the worst and it goes to court then YOU will get a MUCH better deal from the Court rather than Moorcr@p who are only another bottom feeding DCA. A Court would probably REDUCE your payment to 1 GBP a month if your mum doesn't have any money -- in any case it would appear that you have been paying EXCESSIVE charges and maybe the debt is unenforceable. DCA's prey on fear most people have of COURTS. In fact they are most unlikely to take any action since they KNOW a Court would REDUCE payments in this case. I would demand a copy of the original CCA -- this MUST be delivered within 12 + 2days to see if its valid. People can advise you further after that. Write the standard letter to MOORCOFT saying you need to have the CCA -- they can't take any action while this process is going on. These DCA's exist only by scaring people and threatening them with powers the don't have. Also insist WRITING ONLY -- NO PHONE CALLS and send them the phone harassement letter. Even if you still end up having to pay something YOU are in control not the DCA scumbags. Cheers jimbo

Hi there I assume therefore that a Mortgage does not fall under this -- but does the 12 year rule apply? This is only of "Theoretical interest" since I doubt if a Mortgage company would wait 3 weeks never mind 12 years before investigating "delinquent accounts". Just a final Q -- if a property is re-possessed and there is a shortfall -- how long can they chase you up after they have sold the property. (My view would be to say STUFF THEM since if you don't have any more assets what could a Court do -- also Bailiff's would be pointless since nothing to sieze so I doubt that they would bother with a Court). Cheers jimbo

Hi there HFC and Restons make even the CRAZY approx 2,700 % (YES NOT A MIS-TYPE) interest charged by WONGA and other companies of this ilk seem like Mother Thresa by comparison. DOORSTEP collections are NOT allowed anyway as you can -- as others have often pointed out in these boards quote a specific case where only specific people have an "implied right of access" to your property -- and you can withdraw invitations to the rest -- making any Doorstep Collectors Tresspassers which you can EJECT (with "reasonable force") if you have to. Now with a CCJ before Bailiff's can be used to enforce judgement it has to go back to court again -- and it's NOT an automatic process since if it did go this far you could simply quote lack of income etc etc and the Court as before certainly would give you a better deal that those BARSTEWARDS at Restons. Considering the time element here and if you are SERIOUS about going Bankrupt -- there are a few downsides as well but you don't have property so you can't lose your home __ then I'd just give the two fingered salute to RESTONS -- let them spend their money on pointless Court judgements which they won't be able to enforce. "A Complaint a day Keeps Restons away". Their motto by the way is "HEY HEY We're Restons --OK" "How many Pensioners can we screw up today". Of all the DCA's and solicitors I have ever dealt with this must be the NASTIEST bunch of "people"--I shudder to call these animals that-- EVER and I've met some nasties in my time. Cheers jimbo

No alleged debt is in England cheers jimbo

Hi all I'm currently working in France but I have a collegaue who visits my property in ENGLAND ocasionally. He's been getting phone calls sometimes 3 a day from these Scottish muppets when he's at the property. I was home at the weekend (Nov 1 Holiday in Europe so a long weekend) and saw there were at least 30 calls on the answer phone system from these guys, plus a few "Court action" and various Door Step collection threatograms. Debt was actually for a TRIVIALLY small amount of money (around 80 GBP) alledgedly owed to National Power which was paid AGES ago. Now I can do all the usual stuff - report to OFT etc but as these guys are based in SCOTLAND is there / are there people in SCOTLAND that I can complain tody to be able to complain to.o about the harrassing tactics these guys use. The Scottish legal system has different systems to ours in England so there must be a different body to complain to. In any case shouldn't a SCOTTISH DCA only deal with debts incurred under SCOTTISH law the same as say a FRENCH DCA can only deal with debts in FRANCE; Cheers jimbo