The worst way spoken to by a DCA....

[mr.ton]

I'd just like to ask others on here for examples of the worst way in which they have been spoken to by someone from a DCA when being on the phone to them & what the DCA has said etc...?

You dont have to name the company specifically...i'd just like to hear some really true horror stories on this? :o

[Guest louis wu]

i'd just like to hear some really true horror stories on this?

 

Is this a fetish:eek:, or do you have some research your doing? Might be worth giving us a clue, after all, as you know we are all very nosey:D

 

louis

[renegotiation]

Lol. He's a sadist.

 

Just for the record, they threatened to tie me up nude and whip my botty red raw. And they were the nice ones!

[Pinky69]

ooh - kinky! I would never speak to them under any circumstances - in my view that is asking for abuse because that is all they know. Everything in writing or not at all.

[Filthy Monkey]

Lol. He's a sadist.

 

Just for the record, they threatened to tie me up nude and whip my botty red raw. And they were the nice ones!

 

Really? Did they charge extra for that? Perhaps you could PM me the name of the company...

[zazen.warrior]

On the rare occasion I've spoken to them I never got beyond 'No' (I will not give you any personal information about myself) so the worst thing said to me is probably 'But... but...'

[reduk054]

The worst way to be to spoken to by a DCA is nicely. Its too confusing as a recipient and completely against the grain!

Actually being shouted at and called a liar was my worst experience

[mr.ton]

So do i take it then that from the 1st batch of responses that no-one intends to take this thread seriously?

[renegotiation]

One guy once said if people found out I was in debt I would have no friends. LMFAO. I'm sure they would have been my buddies though!

[redbryn1]

i was called a f***ing muppet by someone from red castle recoveries one complaint to TS later i received a letter from red castle's top dog apologising and stating we will no longer be pursuing this debt.

[Guest louis wu]

So do i take it then that from the 1st batch of responses that no-one intends to take this thread seriously?

 

 

 

You know what this place thinks of CCA's, you may be better off ringing them up and asking

 

'Whats the worst way you've ever been spoken to bey a CAG member'

 

bet you'd get some interesting responses

[tomterm8]

You know what this place thinks of CCA's, you may be better off ringing them up and asking

 

'Whats the worst way you've ever been spoken to bey a CAG member'

 

bet you'd get some interesting responses

 

Nah.

 

CAG members don't speak to DCA's.

 

At least, CAG members who follow the advice on the site.

[loyalbrummie]

was told by one firm cant remember who that if the bailiffs came that they were really nasty people who are horrible and they would take whatever they wanted , when i replied that id pour scolding chip fat in their faces if they knocked my door the bloke on the other end changed his tone straight away and asked if id send in a Incomings and outgoings , never did and havent heard from them since .(was a firm for capital one if I remeber correctly).

This was over 3 years ago so obviously they dont like chip fat lol

[Welshwoofs]

A couple of years ago I had a delightful young woman at Mckenzie Hall tell me that I should stop sponging off the state, get myself a job and pay my debts (I had, and still have, a rather good job and the debt wasn't even mine). When I asked if she enjoyed her job and whether she wouldn't wish to persue more a more high-flying career, perhaps shelf-stacking at Netto, she called me a bitch and hung up.

[Candlelight]

I was argued with and told to stop being difficult and called a bitch by the delightful woman. She kept raising her voice to me so i kept doing it to her in the end i told her what i thought of her she put the phone down and they (1st credit) have not phoned since.

 

They also told my husband that he should get a better job and had a right go at him

[MrSensible]

They asked me to pay my debt in full. What an APPALLING thing to ask!

[ODC]

Obviously they had supplied you with an executed CCA and you had been given notice of assignment. Of course the debt wasnt Statute Barred. Naturally you paid up. All CAGGERS would do the same. This site does not condone DEBT AVOIDANCE:p

[MrSensible]

After three..."oh yes it does".

[pt2537]

After three..."oh yes it does".

 

just to point out, the site does NOT condone debt avoidance. this site is about empowering people to take control of their situations and deal with them using the law

 

 

 

that is all

 

regards

paul

[nowayjose]

Well said Pt:mad:

Mr S hijacked my thread earlier and tried to rub everyone up the wrong way until the mods stepped in.. perhaps its best just to ignore him.. people come on this site for help not to listen to childish comments from someone who is old enough to know better.. if youve got nothing better to say please log off

 

NWJx

[ODC]

After three..."oh yes it does".

Of course it does. Just because your colleagues cannot produce a valid CCA we should all pay them what they demand because they say its right. Oh yes.

[AndyPIT]

After three..."oh yes it does".

#

 

:eek:

 

No it certainly does not!!!!! Anyone who thinks that has missed the point!

 

It is about helping the normal person who is threatened and intimidated by DCAs who buy alleged debts, often unenforaceable, or mis-assigned, to deal with companies who make their living from the misfortunes of others!

 

As has been written so often on here - if they send threatening letters to fuel their greed they will backfire, by people googling them and finding this site (how I got here), and realising they are bullies !

[MrSensible]

If someone knows they borrowed the money and refuses to pay it back because a creditor cannot provide the agreement it is NOT re-paying your debt and therefore debt avoidence. Simple as that!

[AndyPIT]

If someone knows they borrowed the money and refuses to pay it back because a creditor cannot provide the agreement it is NOT re-paying your debt and therefore debt avoidence. Simple as that!

 

 

And what about when someone DIDN'T borrow the money, and is harassed and scared to death by companies threatening them - is that debt avoidance too?

And also what about people who have borrowed, and due to cirumstances beyond their control (reduncancy, illness, bereavement) - does that mean they have to pay back exorbitant illegal fees?

[pt2537]

If someone knows they borrowed the money and refuses to pay it back because a creditor cannot provide the agreement it is NOT re-paying your debt and therefore debt avoidence. Simple as that!

 

i suggest you take the time to read the Consumer Credit Act 1974

 

especially sections 77,78 and 79. it sets out that where a creditor cannot produce the agreement they cannot enforce the debt

 

now the onus is upon the creditor to take measures to ensure they can comply with the law, not forgetting that its been around since 1974 so they have had long enough to read and understand it

 

if someone takes out a loan with the express intention of not repaying it then i WILL NOT HELP THEM make that clear,

 

however nearly every person i advise is not in that category.

 

i do not wish to be drawn into childish tit for tat conversations as i have more important things to do with my time

 

this forum is about helping people, and this does not serve to help anyone

 

regards

paul