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    • we know them well. you TOTALLY ignore them. NO DCA is a BAILIFF  
    • I've read loads of old messages about what to do but feel my case is different, it's a bit of a back story so ill break it down. - Had a letter from an Italian province in July of 2020 for a speeding offence in 2019 for 575 euros, was in a hire car I used for work, no longer work for them and heard nothing from either. - Thought blimey, but went to pay it anyway, it had doubled to over 1100 euros, yeah I can't afford paying that, filled out the attached information sheet to say it was me driving but I have no money or job due to COVID (true story) and sent it back (durrrr) - Heard nothing until December of 2023, a letter from an appointed solicitor from Florence saying if I don't pay, we will chase you through the legal system with costs born by you. - May of this year, I get a letter from CLI (Credit Limits International) saying they have been appointed to carry out the collection, £1475. - Stupidly, I started the 'three letter process' asking for proof etc, and they replied a few days ago with a copy of the fines I had received from Italy, they stated the debt has no terms and conditions as it relates to a fine in Italy and the debt is not subject to the Consumer Credit agreement. I translate that to "at the moment we don't own the debt and have been given authority from Italy to pursue the debt". That is where I am currently at, I would begrudge giving in and paying an obscene amount. As seen from similar threads, I know a threat of a visit is coming, followed by a threat of court action, but annoyingly it hasn't been mentioned how these cases were concluded and the threads are now locked. I've read to ignore them, but can't help but feel that because it's such a substantial amount that they will feel it's worthy of pursuing this no matter the hoops they have to jump through. Along with admitting it was me driving and opening the can of worms by contacting the DCA, it wouldn't look good for me should it ever get to a courtroom.  Has anyone with previous experience managed to 'get away with it'? Anyone know what they're capable of other than nagging me? I'm not after any moral judgment. Forgot to add, got friends in Italy, and one of them rang the Police where the fine came from, and her reply was “Tell your friend it’s not a big deal, it’s only a speeding fine we’re not going to chase him, tell him in future to take his foot off the gas, however it he returns to a Italy and gets control checked, he would be held until the fine is paid”  A bit odd I thought, considering I am being chased now.
    • take the SD card out and put on a pc/laptop then run recuva on it in  select videos only option select specific location hit browse then select drive letter of the SD card. then next  then deep scan then go have a cup of tea..  when done dont recover the all files back to the card select a new folder on your pc/laptop        
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
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Cheekiness towards a DCA


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diskmandave has actually had that, it either moorcroft or robbingson way, they said to write only

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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He has?????

 

 

We're not worthy!!! We're not worthy!!! :D :D :D

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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yes, i'm sure it was with moorcroft over an old barclaycard account that he got a default removed from CRA over it

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Credit Solutions rang me the other day, i answered it & then discovered i was in a que system to speak to someone - the ruddy cheek :o

 

People who work for Credit Solutions are a warning to prospective parents.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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Hi all.

 

I posted this in the beer garden just before i found this thread.

 

My partners quick way of getting rid of a DCA- He says it works.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Fred why are they a warning.

 

I am 24 weeks pergnant

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Hi all.

 

I posted this in the beer garden just before i found this thread.

 

My partners quick way of getting rid of a DCA- He says it works.

 

Looks like I'm going to have to do another call to Moorcroft again.

Just need to dream up some really extreme fetish in the meantime.

 

I like it when a DCA muppet demands money from me in "that tone of voice" they so like to use. Makes me feel all warm and fuzzy inside.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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u only doing that to get some bank charges lol

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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I use my old bank card for scraping the frost off the car window.

It's all it's good for at the moment lol.

Got major dispute going on with Abbey at the moment.

Waiting for court date that they delayed with a stay, then the

cheeky monkeys have sent a disputed account to two different

DCA's in 2 months. Needless to say I have sent complaint letters

to all 3 companies + FOS, & TS.

 

Think Trading Standards will know me on first name terms soon lol.

Already pestering them with confetti complaints about Halifax.

Sent them 2 harassment by phone letters and they still insist on calling me 3 times a week. Every time I say "in writing only please" but they keep ignoring me. So got TS on the case. Should be hearing from them soon. Every week I've been sending them an update to the list of calls from Halifax lol.

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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lol, dont forget to add "well i'm sorry it looks like i cant give you any money this month"

 

:D :D :D :D :D

If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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My reaction to them will be..."Oh i cant understand how that can be" :D

 

 

Priceless :lol: :lol: :lol:

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Im gonna come across like im all sad & dissapointed at it not being approved and start saying in a wimpering sort of voice..."well what shall i do, i want to pay this money now, not wait any longer or set up a payment plan, i want to pay it right now to you" :D

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dare you to ask if they accept IOU notes. Or the one I wan't to use next time I call them.

 

"I can print out £20 notes on my new printer. Can I send you some of those?"

These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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well you could always try and send them funny money.

 

They are that stupid they may take it.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Once on the phone to a DCA, after the usual rambling threats of how they have the right to send bailiffs to break in without a CCJ etc I got bored, and went into "catherine tate" mode! :D ten minutes of him trying to argue with me, while all he got was "am i bovvered?" "bovvered though?" "look, am i bovvered?" i think his blood pressure went through the roof.

 

It shows the intelligence of the call monkeys, that after spending several minutes telling you how british law and justice doesnt actually apply to you if you owe money, and how they have the right to send bailiffs to break in without a CCJ, they then tell you, if your giving them lip back "You do realise the call is being recorded dont you" like that call with them seriously overstepping/over intimating their powers is ever likely to see the light of day!

 

I actually got a home visit from a DCA looking for someone else once. I dont think the poor mite saw the funny side of a bucket of water being thrown over him when he refused to leave and was told he was tresspassing and the I would ensure the security of the property should he not leave in 20 seconds.... :confused:

[sIGPIC][/sIGPIC]

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I dont see what is the point of them saying that the call is being recorded, after all its not against the law if you wish you to use aload of expletives down the phone at them or talk to them in a funny way.

They seem to be under the impression that its something your not allowed to do :rolleyes:

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Fred why are they a warning.

 

I am 24 weeks pergnant

 

Godmother, just stay away from anything harmful and you'll be OK, so will the baby. And don't call it 'Lucifer'.

Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.

 

Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.

 

I am not European, I am English.

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no its a girl so i cant call her that

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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...and for my next DCA magic trick, im going to ring Credit Solutions tommorow offering to pay the debt off there & then using my bank card knowing damn well that the money isnt there :D

 

When the transaction is declined (I use my credit cards to clear ice off car too) you could say that the payment for the Bentley must have gone out a day or two early:o

BANK CHARGES

Nat West Bus Acct £1750 reclaim - WON

 

LTSB Bus Acct £1650 charges w/o against o/s balance - WON

 

Halifax Pers Acct £1650 charges taken from benefits - WON

 

Others

 

GE Money sec loan - £1900 in charges - settlement agreed

GE Money sec loan - ERC of £2.5K valid for 15 years - on standby

FirstPlus - missold PPI of £20K for friends - WON

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lol gold lady. Thanks for cheering me up.

 

Chrissi

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OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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i put the numbteys from frederickson on hold they put phone down eventually:D

Moorcroft-paid no default:)

Robinson way - negotiated deal:D

Westcot- Negotiated deal:D

Thames- found them trying to con me, got a deal:D

Metropolitan- sold me on:eek:

pheonix/frederickson- the fight goes on:mad:

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