I'm not sure if you're aware but if this debt has been sold on, chances are the bank have got their money from the tax man so you'll be giving them a further profit if you were to pay. Secondly, debts are bought for a fraction of the amount so again, paying a DCA means they make a nice healthy profit. So who's morally guilty now? If you have to make an offer, start at the 5-8% they bought it for. (Please don't take my opinion as legal advice)

I notice the article doesn't recognise the effects of consumer rights being applied? In that case, it's obvious that far more people need to be made aware of their rights to challenge illegal debt chasing. "Øyno added that UK focus areas will be on improving collections performance and implementing more efficient ways to communicate with debtors." Perhaps this means they'll have to employ monkeys that can read and write? (sucks teeth) That's gonna cost!

So, a DCA cannot operate because it's forced to obey the laws and regulations - that speaks volumes about this crummy industry and good riddance! Typical of DCA supporters to blame the consumer for enforcing their rights. If the banks had been more careful, they wouldn't have to cheat, lie and menace, would they?

It's standard practice in as much as they're bull****ting and obstructing. Search for a thread (not post) in the Debt section for "Signature" and you should find a nice template to send.

This letter is quite explicit, unlike the other threatograms that contain lots of "may" do this, "might" do that etc so I guess they're serious? Mind you, it sounds like suicide if they do take you to court without a valid CCA. Particularly if you can prove you put them on notice of In Dispute? (My posts are merely my own opinion and should not be taken as legal advice in any way)

Sounds like a celebration party might be called for!

I've asked it before and I'll ask it again; doesn't this constitute Demanding Money With Menaces" which is a criminal offence I'm sure?

Maybe tempting fate here but I've not heard from any of them for several weeks now and although I'm pleased, it's also a little unnerving as they haven't advanced the fight or thrown in the towel.

Again, I hope someone more knowledgable can help you in this matter but my non-legal mind gets the impression they know exactly what you're after but refuse to (or cannot?) produce it. If it is clear that their response is to your CCA request and that they haven't responded to the SAR, then I would be inclined to let them know and Carbon Copy to the ICO as a clear failure. As for the enforceability of what they sent, it's not clear to me as I'm not fully conversant with the relative laws, again hopefully someone here can give a definitive answer/response. I agree it's probably best not to instigate a payment plan while you're still unhappy about their compliance.

subbing

I'll retract my opinion now I know it's a court request. Please accept my apologies.

I'm not any authority on the subject but I would write back to the ICO and ask them where it says you have to send a sig and if there is no such law/regulation ask them to re-open the case. If you feel you have to send a signature, invent a new one especially for this case so if it is "lifted" and pasted elsewhere, you have proof.

Good question to which I'd like to know the answer also so subbing!

IMO, I wouldn't fill it out as these people cannot be trusted with personal information. If you want to send a budget statement, there are plent of ready-made forms you can download off the web and I think it includes this site also. Search for budget planner for instance. IOW, you calculate what you can afford after you've spent on necessary's and then you might want to make an offer out of what's left but unless it's an enforceable debt, I wouldn't make any offer at all.

Subbing. I've had a quiet two weeks waiting for BC's CCA's which were requested last year. I keep reading that after a further month, BC's failure to respond constitutes a (non-crimial) offence - any idea what that offence is? Interesting what you got from the SAR.

It's been almost a fortnight since my last post and it's been eerily quiet on the debt front. I've been on this site reading as much as I can but it seems legal sentences with more than two commas in it leave me reeling or longer than one page and it trips my overload protection circuit. Sorry about the preamble but I'm acutely aware that having now formally disputed these alleged debts and made the declaration of not acknowledging I owe them, how can I converse on other relative subjects that I don't acknowledge happened, if you get my drift? ie DN's, Fees and interest?

Subbing

Good game, eh? Sell mortgages - make money Collapse the economy - make people default Reposess homes - sell them again. Repeat as necessary. Renting has never been so expensive!

Field End Road is in Eastcote and I suspect the postcode is HA5.

Sorry to advise you too late but you shouldn't have called them back and left your details. These types of letters are usually known as "phishing" letters where they try to con you into revealing/confirming your whereabouts etc. Next time you get a letter, scan it, erase your personal details from it and ask for advice. p.s. Debts become "statute barred" after six years of non-payment/contact so you're not far off if you can keep your head down and not acknowledge the debt.

Subbing

I'm hoping to gain some court knowledge by sitting on cases relative to my own so I can get accustomed. Would this case be heard in a public court and would it be heard down here in the south? If yes, would you have any objection to my attendance?

I second 42Man advise to report them - I didn't believe complaints to these authorities had any real effect (and I'm still sceptical) but recent publications show hope, in particular a direct order has been given by the OFT NOT to chase statute barred debts! So I would highly recommend you make a detailed complaint including the lies they're telling you.

You got it in one! It's a phishing trip and the contacts are the bait. You wisely didn't bite so they're still phishing. If you want to be pre-prepared, research this forum for details of what and how these scams work then you'll be in a better position to judge if you need to take any action. If you get any phone calls, don't speak to them unless you want to wind them up - certainly don't comfirm anything to a phone or doorstep caller, tell them goodbye and if they want to contact you, to put it in writing. If they ask for your address, laugh and say goodbye again.