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A Big Hello and Thank you to CAG


konakona
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Hi Everyone this is my 1st post on the CAG:D

 

I would like to start by saying a really big thank you to you all!

 

I found this site totaly by accident last weekend, within 10 minutes I had more information than I have ever recieved from CAB ect...!

 

I can not express how much you have all increased my confidence, or how grateful I am for you doing so!

 

My story is petty simular to most of yours. I had a good job, which I lost in 2003 and was unable to work for about 18 months.

Never in my worst nightmare could I have imagined how quickly or ferosiously my creditors would turn on me!

By the second missed/late/reduced payment they were circulating me like vultures. No matter what I have done since to try and solve the problem they have not been satisfied, offers payment plans turned down or canceled after a couple of months, paying these companys every penny I have only to see the debts increase rather than go down, recieving dozens of phone calls a day, whilst all the time being told I'm the worst debtor in the world and how they are going to take everything I own (I know I dont need to tell you guys what DCA's are like!)

 

Anyway I have spent every night of the last week going though as many threads as possible and I think I have the general jist of what I need to do! (first time for everything!)

But I'm sure I will need a bit of guidence along the way!

 

I have really been inspired by Spiritgirls thread and have decided it is time to "poke the bear" LOL

 

Still amazed that this time last week I was sat in this chair, at the end of my teather wrought with fear of these companys, staring with dispear in to the abyiss that is my debt....

But today my fear has been replaced with unadultarated anger at the way myself and others have been treated:mad:

 

From what I have read most if not all of the companys I have on my back have acted unlawfully, and nothing would give me greater plesure than to hit them with the biggest leagal stick I can lay my hands on! (or at least let TS/OFT hit them on my behalf!)

 

So I'm going to spend saturday going though my accounts ect and come up with a action plan, and would really appreciate it if I could run my plan by the board once I've finished to make sure I got everything right!

(The last thing I want to do is give these **** a way to wriggle out of their actions)

 

Once again I really can not express in words just how greatfull I am just for this sites exsistance, your all stars in my book!

 

Luv

kona

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Welcome to the forums konakona! :D

 

I'm glad you've been able to find the information you need. Don't forget also that if you need help just ask, that's what we're here for!

 

I particularly like a phrase that you use...

"poke the bear"

Here's a good evenings entertainment and an eye opener to some of the tricks and stunts played by our favourite dca's!! :D

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71386-diskmandave-robinson-way-co.html

 

Good luck with it, Dave.

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Remember to start a NEW Thread for each of your different Creditors.

Each Creditor will use different tactics against U + U will need different answers from US, to help U deal with them!...;)

GO konakona GO!!!...GO konakona GO!!!...GO konakona GO!!!...:D

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Hi Konakona and welcome to CAG, the best place on the planet to begin your fightback against debt.

 

If I were you, I'd get a LARGE drink (of whatever variety you prefer), get comfy in front of the computer and read through the thread that Dave linked for you. It's interesting, eye-opening, informative, hilarious in places and so full of guidance that you will never regret having read it.

 

You have begun the process of fighting back when you joined CAG; if you stumble there will always be someone to help you back up and onto the path you chose to tread. If you need help, there will always be a friend to help you out.

 

Good luck and go get 'em. :)

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Thanks diskmandave:D

 

Wish I could credit for the poke the bear comment! I nicked off the another thread, probably yours in fact!

(remined me off a tshirt my mate had "company name poking satan with stick then running away giggling like a school girl)

 

Thanks for the Diskmandave -v- Robinson, Way & Co "GAME OVER" thread

I'll get the little'uns in bed and sit down with a cuppa for that one!

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Thank you robdblynd!

 

It really does mean so much to know you guys are here:)

 

Going to take your advice and sit down with a large drink for daves thread, although having just relized it 35 pages I might forget the glass and use a bucket instead;) :D

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LOL konakona

 

Stick around with us and that will change.

 

:D

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Hey mamie

 

You coming over tomorrow? Please let us know in the CAG meet thread - as Rob is driving.

 

(forgive the hijack folk?)

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Diskmandave

Thank you so much for putting me on to your thread, read though it last night, funniest thing I've read in years, had me in stiches!LOL

Congratulations great result:D :D :D

 

 

I've got Robinson way on my back to, so read it with great intrest.

When I started, I was all geared up for "poking the bear" but now I relize it will be more like "slapping the village idiot":D

 

Really cant belive how these companys get away with it though:eek:

Always presumed they were above board on the baisis that some goverment body would have stopped them if they acted outside the law, as you say a real eye opener!

 

Thanks Hippy-chick and Mamie your support really is appreciated!:)

 

 

Right been in to town this morning, picked up 1000 sheets of paper, 250 envolopes, new ink carts, box files, sheet of stamps and a wad of recorded delivery labels as thick as a Robinson way employee!

I'll get our accounts organised this afternoon, and start some threads!

Let the games begin............

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Thats the spirit - get organised and you will be halfway there. It is surpising how their threatomatic letters repeat themselves, often contradicting previous or known information and completely confuse the situation.

 

Robinson Way, Moorcroft, Westcots and the newer kids on the block, HFO Services (watch out for their cards from First Logistics saying you have a parcel to collect and they need instructions from you, they will use the info to tie you to a debt and slap a court order as quickly as blinking).

 

How about making a chart up with the name of the creditor, the companies dealing with it and their frequency of contact, could be useful for other CAGers at some point.

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LOL konakona

 

I love your attitude. And I look forward to reading about your excitibg adventures.

 

Onward and upward ...

 

:)

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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sillygirl1

your not wrong about the letters, got half a forrest sprawled out in front of me! Those poor trees......

 

Got letters from all the ones you mentioned and a few more!

Also had loads of those parcels cards in the past, but knowing I havent ordered anything, and them coming in the mail, I've been binning them presuming they were part of a phissing [problem]!

 

Bearly scratched the surface of this mound of paper work, and already found 4 companys trying to collect the same debt in november, all sending letters on the same day:eek:

 

Love the chart idea, and if it can be of help to others I'm well up for it!

 

 

Thanxs hippychick!

I'm actully looking forward to having some adventures!

Gone are the days when I used to dread the sound of the letterbox! When your at the bottom the only way is up!

I think it was Winston Churchill who said something along the lines of "if you are going though hell, dont stop, keep going!"

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Yup - that's Churchill.

 

I'm very disappointed in my DCA. They don't ring, they don't write - what have I done to upset them?

 

:D

Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

 

If I've been helpful, please click my scales. :-)

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Awwwww sory to hear your dca's have dissapeared hippychick and curlyben:(

 

I was just thinking, if the creditors are allowed to sell debts, are the debtors?

If so I would be more than happy to sell you mine at a reasonable price!:D

 

 

Thanks for the welcome Curlyben:)

spotted you in diskmandaves thread, loved the "The Law is a Double Edged Sword and the Consumers Edge has been Sharpened" quote!

 

 

Right, got the last 6 months worth of paper work in order!

Not quite as bad as I first thought, lots of different(?) companys chasing the same debts, all claiming different amounts for the same debts, amounts going up and down even with the same dca regardless of payments and a couple of debts that were being chased seem to have vanished!

Got 2 seperate debts being chased by Robinson way, could get interesting.......

 

Goning to have a cuppa then sit down and start a thread about what appears to be the easiest...............

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When I started, I was all geared up for "poking the bear" but now I relize it will be more like "slapping the village idiot":D

Right been in to town this morning, picked up 1000 sheets of paper, 250 envolopes, new ink carts, box files, sheet of stamps and a wad of recorded delivery labels as thick as a Robinson way employee!

You have the two best weapons you need now - CAG and a sense of humour! Remember - the 'people' you are dealing with are swimming at the bottom of the pond - they cannot get a better job - the 'owners' of these 'organisations' cannot make a living at anything better than picking up the crumbs from other immoral incompetents.

 

Nil illegitime carborundum. ;-)

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Steveh2508

It would be hard not to have a sense of humor after reading how diskmandave ran rings around them!

 

Curlyben

"EVERYTHING CAG does is to ensure that the financial institutes act according to the Law of the Land."

In my eyes your true hereos for doing so:)

But still shocked thats it left to you guys to do so:eek:

before I found this site and relised that their tatics, were well, um, "iffy" I had presumed that some government body kept an eye on them!

 

Would have thought after half a dozen or so complaints about a particular company they would be investigated, get the feeling if I were to report a shop selling pirate dvd they would be raided, yet the dca's are allowed to carry on.........scandalous

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