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

[tiglet]

Well, Clarity have threatened to send the boys round, but I'm afraid I just hysterically laughed at them ... only time I can actually say ROFLMAO sincerely applied.

[MrTWS]

Many thanks to the mods for rescuing my thread from total destruction

 

....so has anyone else got more examples of the way they've been spoken to by various DCA's?

 

Sorry if I was of them Mr Ton:(

[ananya]

Hubby had dealings with Bryan Carter who threatened court action, to which he replied 'go on then, I'll see you there'.

 

They've since referred his account back to the OC

[babybear39]

Here's a snippet of a complaint letter I wrote to Debt Manager's Limited following a particularly rude telephone conversation with 'Jenny' :

Quote:

Jenny called to advise me that I have an outstanding balance £7198.54 and requested payment by credit or debit card. I advised Jenny that I was unable to make a payment of £7198.54, she asked why to which I replied, “Because I don’t have £7000.00”. My partner, who was in the room with me at the time, laughed and Jenny obviously assumed it was me laughing and snapped “Do you think this is funny Miss Clarke?”. I assured Jenny that I did not find this funny, indeed someone calling you on an evening demanding seven thousand pounds is not a laughing matter. I once again advised Jenny that I did not have £7000.00 available to pay her, and she asked me “Why is that Miss Clarke?” several times.

 

I obviously failed to come up with a reasonable answer to Jenny’s question as she next asked me to pay in 2 monthly instalments of approximately £3500.00 each. I advised Jenny that this was not possible, after all I don’t even earn anywhere near £3500.00 per month. Jenny then decided that I did not have £7198.54 to pay but could make a one off payment of approximately £5500.00. I advised Jenny that I did not have £5500.00 to which she asked if there wasn’t someone who could pay the debt for me. Had there ever been someone who could pay my debts for me, I would not have found myself in the difficult situation I am in now.

 

 

They have now agreed to no longer phone me and any contact will be made in writing.

 

It's against OFT guidlines to ask someone to borrow money to pay off an alledged debt

 

Make a formal complaint to OFT, TS, FOS, your MP and anyone else you can think of ASAP...

 

Here's the links:

 

The Office of Fair Trading: making markets work well for consumers

Trading Standards Central - Trading Standards and Consumer Protection information for the UK

Financial Ombudsman Service

 

Good luck and best wishes...

[melvis]

Thank You! I didn't know that! I complained to DML in November (that's where that bit of the letter is taken from) and received a reply saying they were investigating etc. I complained to them regarding harrasment and also a Data Protection Issue as they were phoning my mother even though they know I didn't live with her.

 

I am taking my complaint of both of these issues further so I'm very thankful you brought that to my attention

[babybear39]

You're very welcome

 

That's what we're here for *hugs*

[N.P]

Many thanks to the mods for rescuing my thread from total destruction

 

....so has anyone else got more examples of the way they've been spoken to by various DCA's?

 

Hi mr.tom,

 

Sorry about the nonsense on you thread the other night. I made a comment, then some muppet just had to butt in, then everyone started.

 

Hope there`s no hard feelings matey?

 

Regards

 

 

N.P

[SoSensible]

It's against OFT guidlines to ask someone to borrow money to pay off an alledged debt

[MrDebtyDebts]

Is it against OFT guidelines to ask someone to borrow money to pay off an alledged debt? Im looking through them now and cant find this statement.

[MrTWS]

Site closed:)

[MrDebtyDebts]

I know, ive read them! It says you cant pressurise, but I cannot see anything that says its wrong to ask you to borrow money to pay a debt off.

 

I think this poster is wrong.

[melvis]

2.6 Examples of unfair practices are as follows:

 

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

From the OFT guidelines

[renegotiation]

Maybe he just don't read too good... (said Clint Eastwood style)

 

 

[MrTWS]

From the OFT guidelines

 

Thankyou melvis;)

That's how I understood it too

[tiglet]

I feel someone may be trying to provoke a feeding frenzy - let's not do it guys.

[mr.ton]

I remember back in 2002 that i received a phone call at about 7pm on a Saturday night off a DCA - the guy asked me was their a cash machine near by & i stupidly said there was.

He wanted me to go to that cash machine straight away.

Can anyone explain what for as to this day i still cant workout the logic in being asked to do that by the DCA guy?

I cant believe i almost fell for what he was telling me to do as well..after about 5 minutes, i finally got my logical brain back & said to him "oh f**k off n*b head" & hung up

[ODC]

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

[The GodMother]

There will be several thing that a DCA has done that break oft guidelines.

 

You can check them all out here.............OFT debt collection guidance

[babybear39]

2.5 Putting pressure on debtors or third parties is considered to be oppressive.

2.6 Examples of unfair practices are as follows:

a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further

borrowing or to extend their borrowing

 

Thanks ODC That's exactly what I meant...