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

[N.P]

Sorry, was finishing off the nice wine I opened earlier. What was the question again? I guess you lot are on the 'unbranded' lager and blue nun?

 

Wrong again knob splat, I prefer an earl grey myself.

[N.P]

Someone send the R.S.P.C.A. round there! NOW! I fear for Moggie. :mad:

 

Yeah, he might stick it on the end of his joystick for some pleasure

[MrSensible]

Ha, ha! May I compliment you all on the depth any originality of your humour. Watch out Oscar Wilde!!

[renegotiation]

IT TAKES A LIAR TO HAVE A GOOD MEMORY

 

 

DO NOT FEED THE TROLL

 

Sorry ODC. But you do have to admit he is one of the most feeble trolls we have had on here in a while? I thought Rameses was weak. He even tops Rameses for weakness and lack of knowledhge does he not? Why can't they send someone with brains? I mean if we are Holmes he's hardly a damn Moriarty is he? :D More like an Oliver Twist. He is asking us 'for more'. Ha ha ha. Yes call me Sir you weak man. He's absolutely useless! ROFL.

[AndyPIT]

Mr Sensible - Do You Understand What Posters Are Saying When They Ask You To Answer Post 26 ??? Do You Need That Explaining A Bit More?

[vinegarvera]

Going to go now have my DEAR hubby waiting upstairs with a bottle of Cristal and a box of godiva chocolates!!!

Enjoy your jacobs creek with your mum Mr Sensible!

Night night all and dont let the mass-debater wind you up!

[AndyPIT]

Going to go now have my DEAR hubby waiting upstairs with a bottle of Cristal and a box of godiva chocolates!!!

Enjoy your jacobs creek with your mum Mr Sensible!

Night night all and dont let the mass-debater wind you up!

 

Actually he's a great source of amusement ! Bring it on!

[N.P]

Ha, ha! May I compliment you all on the depth any originality of your humour. Watch out Oscar Wilde!!

 

See, I have imagination and humour. I have already beaten you.

[Rooster-UK]

Just ignore the troll. Don't acknowledge its presence.

It wll get bored and go away eventually.

[AndyPIT]

See, I have imagination and humour. I have already beaten you.

 

Well he must have humour, to think people will take him seriously! Now that is a good laugh! Don't think there's any imagination though - anyway it's too big a word for a troll to understand!

 

Mrsensible answer post 26, as you have now been asked many times to!

[MrSensible]

Jacobs Creek? Hardly. A generic New World aimed at the masses. Drinkable, not much more. "It would indeed be simple if the debt was advertised as 'secured' in the first place&amp". The LAW allows a creditor to secure an unsecured debt. You cant have it both ways can you? If you use the law to avoid paying, (lack of contract), you cant moan if creditors use the law to benefit them! "Why don't you try to do a good job of playing devil's advocate? People might show some respect for you"Respect is only shown if you agree to tow the party line. ALL debtors are doing their best! None lie! There are NO debt avoiders! ALL DCA's are ****! Agree with CAGGERS! etc etc...zzzzzzzz

[N.P]

Anyway,

 

I don`t mean to sound as thick as the Troll in question, but before I go and knock my bait up could someone tell me why you call him a Troll?

 

 

N.P

[barracad]

Any further posts which are off topic will be removed.

[Guest wino]

I was in dispute with a company that had taken over the original company I was renting my washing machine from. It needed repairing and the new company refused saying I had to buy it now as they were not doing rentals. Well I was not going to buy a broken machine so refused to pay.

 

That afternoon a van pulled up and two 'employees' from the company walked into my back garden with bolt cutters saying they were in there rights to enter my house and take what was theirs.

 

Needless to say they left with nothing!

[The GodMother]

Nice one wino.

 

Did they have the court documents to say they could enter your house with bolt cutters and remove the washing machine.

 

No did not think so.

 

When are these companys going to learn?

Never mess we CAG we no to much. I would advise a strongly worded letter remember to use nice words.

 

Chrissi

[ananya]

Nothing too bad really, other than the usual 'pay me or else' garbage and the odd huff and puff.

 

Mind you, now I'm learning my rights bit by bit thanks to CAG, any future phone conversation, should they catch me off guard, should prove interesting

[The GodMother]

Oh l love it when they call me. I have annoyed a few ppl and l have had my family laughing at them from behind me.

 

Needless to say by time they have been told they are breaking OFT guidelines and they say they are not l have found the exact guideline and start quoting to them all the guidelines they have failed to obide by and they then wish they had never phoned me.

 

Chrissi

[Brassed off]

I'm thinking of having the 'phone put back into my own name and not being ex-directory because I don't even look at my caller ID anymore. Whereas at one point, I would have been terrified to answer the 'phone, now I just think, "bring it on." Such is the hardened Cagger!! NB - NEVER SPEAK TO A DCA ON THE 'PHONE - well not until you're totally au fait on your rights that is

 

Unfortunately, the DCAs don't love Bo anymore - they never ring me!! Can't think why?

 

Still got one wish left though (double entendre for all you "oldies" out there!!!).....

 

My mates have the lovely Lowells giving them some grief, I just can't wait for them to ring when I'm at mates house :o

 

I was subjected to the worst harassment by 'phone I have ever had pre-CAG. I was so terrified, I was trying to sell my house at the time to pay them off and they said that they were going to take me to court if I didn't give them the 'phone number of my solicitor and give him permission to speak to them to tell them when the mortgage monies were going to come through and yes, I was so terrified, I did what they said.

 

Unfortunately, when you are in that situation and you don't have the support of CAG behind you, you feel rather alienated and that being in debt is entirely of your own making and this is when the "vultures" go in for the kill.

 

Well, not anymore! I am indebted to this site for the wealth of information, knowledge, support and kindness I have been shown from many people who have been where I was and I will endeavour to do anything to return that favour.

 

Bo

 

PS - I've also made some really good friends too

[skychrystal]

I've been reading these forums for a few days now and just want to thank you all for allowing me to feel differently (read optimistic!) about the whole thing.

I was wakened by the phone at 7.30 one morning and when I think of how that woman spoke to me, when I think of how I allowed her to speak to me! I explained that I had to get my children up for school - she didn't care - I'm afraid I answered all her questions.

I got my credit file and I'm still none the wiser what she was ringing about - it was so early and I was so shocked. However a letter arrived from Iqor yesterday and I'm still none the wiser. However I have taken on board all what I'm supposed to do. The cca letter is on its way!

 

So I just wanted to acknowledge your help. Thank you all again!

[Brassed off]

Hi Sky

 

You've come to the right place.

 

Here's a brilliant guide to the forums by our resident Supermod. Have a read and then start your own thread and we'll all be in there to help you out.

 

Well done you!

 

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

[rory32]

Hi skycrystal and welcome to CAG. You're very welcome to all advice given and I hope you start your own thread so that we can all give you advice and asistance. If you are not sure how to do this have a read here http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html You should also read the OFT guidelines on Debt Collection here http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

[skychrystal]

Thanks guys! Off to have a read through now.

[MrTWS]

Thanks guys! Off to have a read through now.

 

If we can help skychrystal let us know

MrTWS:)

[melvis]

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

 

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.

[mr.ton]

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?