Cheekiness towards a DCA

[Deshaine]

So what do you know about companies such as Ruthbridge and Apex ??

 

Very little, but I do know about standard FOS guidelines and operating procedure. FOS is an excellent tool for dealing with companies who are trying to fob you off, denying receipt of letters, or responding negatively to a genuine grievance. It's just important to be aware FOS will not act unless you have already exhausted the standard channels of complaint.

[mr.ton]

800 replies :o

[The GodMother]

we know that the FOS will not do anything till the compalints procedure has been delt with but it does not stop us from ringing them up and getting advise on what we can do does it.

[dannyboy660]

It's just important to be aware FOS will not act unless you have already exhausted the standard channels of complaint.

 

So it might do less harm to just ignore them ??

[The GodMother]

well i do anyway as they are not writing to me.

[ODC]

We all know how effective the DCAs complaints procedure is. The Leeds Losers complaints officer denied all of my complaint and told me the alleged debt was enforcable and they could prove I made payments. I have yet to see this proof and now Lowells have said they cannot produce the agreement.

 

Strange change of view that. The CSA complaints procedure is an even bigger joke. Its a bit like asking Dr Shipman to carry out the PMs on his victims.

[Guest Orwell72]

Scrap the 10p tax rate then give you back £10 a month mmmmmmmmmm

 

I wonder if online there is a thread that works like a virtual election or vote of no confidence be intresting just to see how big the reaction would be.

[stardust_john]

I watched the absolute pee being taken out of them by the conservatives. They have made such a *alls up of everything so far and hurt those they said they wanted to help. Makes you wonder wether its malice or stupidity really.

[babybear39]

Where politics are concerned, stoopidity always comes to mind I know, I'm revising for a Public Affairs exam

[ODC]

Scrap the 10p tax rate then give you back £10 a month mmmmmmmmmm

 

I wonder if online there is a thread that works like a virtual election or vote of no confidence be intresting just to see how big the reaction would be.

Strikes me of a panic measure in order to try and scrape something from the forthcoming bye-elctions in Crewe and Nantwich:o

[cashins]

Strikes me of a panic measure in order to try and scrape something from the forthcoming bye-elctions in Crewe and Nantwich:shock:

 

Yeah and I think even some of the Vote labour or die brigade will have worked that one out.

 

Stupid thing about it was that this was totally self inflicted. Oops, spending more than's coming in, ummmmmmm, I know, lets clobber the poorest people in the land.

 

I think this government is dying of pure bloody arrogance.

 

David

[mrmarmite]

So what do you know about companies such as Ruthbridge and Apex ??

 

probably just like all the other DCA's

 

ignorant of the law, say what ever they want to say and get away it, send threat letters demanding that you have not contacted them (after you sent at least 3 letters by recorded)

 

blah blah blah blah blah

[Guest Orwell72]

The best thing about DCA is the crap they send you when you have submitted a CCA request

 

fine examples

• Please can you confirm your last few addresses for security
  

So you don't know where I have lived or if your really have the right person

• We want to offer you 25% off this debt
  

S#*T we might loose every hope here, get what you can

These are some of the examples of letters I have recieved

are there any others out there that you have recieved ?

 

 

[stardust_john]

I must admit 'my dca' aaah, ringing to offer me a special sale experience a while ago had me busting a gut. I think they thought they were selling a lottery winning ticket with a guaranteed jackpot they way they tried to flog this 'favour'

 

They really think I'm stupid is the problem because I have always believed what they said was true with no proof ever sent to me. I was terrified and have since learnt to start to try to pretend to flog double glazing to them once they've finished. Just got the idea from some rubbish put through the door and repeated what it said, You buy one You get one free:D

She wasn't interested in my offer:mad:

[ODC]

The Lowell ones are classics.

 

1st - We have contacted our client (for a debt they claimed to have purchased) and when our client sends us the requested documents you will be expected to pay up in full.

 

2nd. Our client is still getting the document but we are prepared to offer you a 60% discount if you pay us within 3 days otherwise you will have to pay in full when our client retrieves the documents

 

3rd Our client is still getting the document but we are prepared to offer you a 60% discount if you pay us within 3 days otherwise you will have to pay in full when our client retrieves the documents (Yes I know its identical to their second letter)

4th and Final letter We are sorry that our client cannot retrieve the requested paperwork so we are closing our files and you will hear nothing further from us:D:D:D

[babybear39]

Most of the DCAs should use option 4 as soon as they are challenged by a CAG member Saves them a lot of time, costs and embarassment

[loyalbrummie]

lowells sent me the 50% off letter , dozy buggers , they aint getting a penny until they prove that i owe this money , which i believe they can not produce .

NUMPTYS

[Castlebest]

Just found this thread

 

Treat DCA's with the contempt they deserve, there is an example of one of my letters on this thread

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/125577-metropolitan-collection-services-action.html

yes it did go like that and funnily enough I have heard nothing since

 

pete

[Fred Bassett]

I must admit 'my dca' aaah, ringing to offer me a special sale experience a while ago had me busting a gut. I think they thought they were selling a lottery winning ticket with a guaranteed jackpot they way they tried to flog this 'favour'

 

They really think I'm stupid is the problem because I have always believed what they said was true with no proof ever sent to me. I was terrified and have since learnt to start to try to pretend to flog double glazing to them once they've finished. Just got the idea from some rubbish put through the door and repeated what it said, You buy one You get one free:D

She wasn't interested in my offer:mad:

 

I can never work out how an advert featuring some long-haired, middle-aged thug shouting at the top of his voice "You buy one, you get one free" was ever supposed to sell anything. Who but an idiot would buy from that firm having watched that advert?

 

Fred

[tiglet]

I believe you may have answered your own question ...

[Fred Bassett]

I believe you may have answered your own question ...

 

Quite right Tiglet, it was somewhat rhetorical. I bet I'm not the only one who gets irritated by that advert, though thankfully I haven't seen it for a while.

 

Regards.

 

Fred

[tiglet]

It's the coat that gets me ...

[Fred Bassett]

It's the coat that gets me ...

 

Yep, that and the haircut. Like a downmarket Peter Stringfellow.

[tiglet]

I feel physically sick.

[Fred Bassett]

I feel physically sick.

 

Well several thousand women didn't apparently. It reminds me of the question Mrs Merton once put to Debbie McGee: ".. so what first attracted you to the millionaire Paul Daniels?" Says it all really.

 

Fred