Cheekiness towards a DCA

[Fred Bassett]

Thanks Fred Tiana has been an inspiration not just to me and my wife but to hundreds of other people that have been following her story (I'm not exaggerating her site regularly receives over 350 visits a day!)

 

I think the single most important thing I learned when I found CAG was that I could stand up tp these DCA's and actually take control for the first time in years! The last thing we needed when our little girl was in intensive care for 6 weeks was calls and letters from their threat-o-matic printers!

 

CAG gave me the belief in myself to stand up to them and I've spread the word to friends and relatives...

 

DCA's beware... We're fighting back!

 

Good for you Tinnud. One thing for sure is that here you will find like-minded people. We're all in the same boat. Most of us got here because we were being threatened/harassed/hounded/bullied by banks or DCAs and had had enough.

 

The irony of course is that those very same organisations ended up in many cases getting nothing because they couldn't provide valid agreements. They've spent vast amounts of money, not only getting nowhere but actually losing payments they were already receiving. If they'd acted with decency and a little bit of common sense in the first place, most of us would never have found this site because we would never have looked for it.

 

Regards.

 

Fred

[vincentfan]

This may be a job application that needs fuzzybobbling

 

Careers with Aktiv Kapital Group of Companies

 

Whos next for the Fred treatment??

 

And on a serious note big hugs to Tinnud and family (((xxx))))

[vincentfan]

Fredrickson International Ltd - Bespoke Debt Collection Services

 

They never mention the solicitors though that scare us

Bryan Carter

 

Go for it Fred .... You know you want to xx

[vincentfan]

My problems are now in the legal thread

If you can help me over there please do

[Fred Bassett]

Fredrickson International Ltd - Bespoke Debt Collection Services

 

They never mention the solicitors though that scare us

Bryan Carter

 

Go for it Fred .... You know you want to xx

 

I wouldn't dream of it. Mind you, I think it's about time fuzzybobble had his own web site: Fuzzybobble Debt Terrorist - Probably the best Debt Collection Agency in the World

 

Regards.

 

Fred

[Jeff2000]

Well I got there finally: Banana bonuses with Aktiv Krapital

 

Fred

 

 

 

 

Just read it Fred. Brilliant!!!

[Tinnud]

This site is a bad influence on me...!

 

Lisa just called from home. She said I have a letter from a company called Fenton Cooper regarding a disputed debt with NatWest Bank. Disputed because I reclaimed over £3,000 in bank charges and, for some reason, they want them back! Apparantly they're offering me better than 50% off if I pay in the next 7 days!

 

I got the number from Lisa and called them:

 

FC: Thank you for calling Fenton Cropper. Can I have your reference number please?

 

Me: I'm sorry I don't have my reference number as I'm at GOSH with my 10mth old daughter who had heart surgery 11 weeks ago.

 

FC: Ok, Can I have your postcode?

 

Me: Yes it's .... ...

 

FC: Thank you. Your house number?

 

Me: ..

 

FC: Thank you (They're very polite monkeys...). Can you confirm your date of birth?

 

Me: 01/01/02

 

FC: Ok thank you. How can I help?

 

Me: Before we proceed further with this call I must inform you it is being recorded.

 

FC: Ok.....

 

Me: I understand you've written to me asking me to make you an offer to pay a disputed debt to Natwest bank?

 

FC: That's correct. How would you like to make your payment?

 

Me: Well, first things first... I require a valid signed copy of the original CCA.

 

FC: The what?! - Oh you mean COA - Contract of Agreement?

 

Me: CCA - Consumer Credit Agreement

 

FC: Oh. And why is that?

 

Me: Because under consumer law I am entitled to see it.

 

FC: Are you saying the debt isn't yours?

 

Me: I'm not acknowledging any debt. Especially without a valid CCA.

 

FC: Oh. Ok I'll see what I can do.

 

Me: Thank you. Goodbye.

 

 

Now, from what I've read on here so far I believe I have to send a letter requesting this along with a payment of £1 or £10 (not sure which?).

 

The polite lady broke Data Protection Act by discussing my account even though I gave her a false DOB.

 

I guess I'll have to wait and see what happens next but I must say it was very satisfying! A week ago I'd have been a nervous wreck lol

[Fred Bassett]

This site is a bad influence on me...!

 

Lisa just called from home. She said I have a letter from a company called Fenton Cooper regarding a disputed debt with NatWest Bank. Disputed because I reclaimed over £3,000 in bank charges and, for some reason, they want them back! Apparantly they're offering me better than 50% off if I pay in the next 7 days!

 

I got the number from Lisa and called them:

 

FC: Thank you for calling Fenton Cropper. Can I have your reference number please?

 

Me: I'm sorry I don't have my reference number as I'm at GOSH with my 10mth old daughter who had heart surgery 11 weeks ago.

 

FC: Ok, Can I have your postcode?

 

Me: Yes it's .... ...

 

FC: Thank you. Your house number?

 

Me: ..

 

FC: Thank you (They're very polite monkeys...). Can you confirm your date of birth?

 

Me: 01/01/02

 

FC: Ok thank you. How can I help?

 

Me: Before we proceed further with this call I must inform you it is being recorded.

 

FC: Ok.....

 

Me: I understand you've written to me asking me to make you an offer to pay a disputed debt to Natwest bank?

 

FC: That's correct. How would you like to make your payment?

 

Me: Well, first things first... I require a valid signed copy of the original CCA.

 

FC: The what?! - Oh you mean COA - Contract of Agreement?

 

Me: CCA - Consumer Credit Agreement

 

FC: Oh. And why is that?

 

Me: Because under consumer law I am entitled to see it.

 

FC: Are you saying the debt isn't yours?

 

Me: I'm not acknowledging any debt. Especially without a valid CCA.

 

FC: Oh. Ok I'll see what I can do.

 

Me: Thank you. Goodbye.

 

 

Now, from what I've read on here so far I believe I have to send a letter requesting this along with a payment of £1 or £10 (not sure which?).

 

The polite lady broke Data Protection Act by discussing my account even though I gave her a false DOB.

 

I guess I'll have to wait and see what happens next but I must say it was very satisfying! A week ago I'd have been a nervous wreck lol

 

 

Hi Tinnud,

 

There is a template somewhere but I can never find it, so here's one you can amend to suit:

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxxxxxxxxxxxxxxxx

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

With reference to the above account, I request that you send me a true copy of this credit agreement before I will correspond further on this matter.

 

This is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974, and I am entitled to receive a copy of my credit agreement on request.

 

Your obligation also extends to providing me with a statement of account. I enclose a £1 postal order, which represents payment of the statutory fee payable under the Consumer Credit Act. I understand that a copy of my credit agreement should be supplied within 12 working days from the date of this letter.

 

I understand that under the Consumer Credit Act, creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

Also, since you are a Debt Collection Agency, I would also ask that you supply a signed true copy of the executed deed of assignment for the above referenced agreement. This is an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

In summary, I DO NOT ACKNOWLEDGE THIS DEBT AND THEREFORE REQUIRE YOU TO SUBSTANTIATE THIS BY PROVIDING THE FOLLOWING DOCUMENTATION BEFORE I CORRESPOND FURTHER :

 

1. True copy of original credit agreement

2. Statement of account

3. Copy of the executed deed of assignment from Bank Name. and DCA Name (if applicable)

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

 

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

 

Further to the above, please ensure that any contact by yourselves is made in writing only to the above address. Telephone calls and personal visits will not be accepted and viewed as harassment.

I look forward to hearing from you within the statutory time limit.

 

Yours faithfully

 

 

Tinnud

 

 

You send this with a £1 postal order. Don't forget to send it recorded delivery and don't sign the letter.

 

 

Regards.

 

 

Fred

[locutus]

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html#post162367

 

Template letter N with a postal order for £1 sent special delivery is probably the way to go

[Tinnud]

Excellent - Thank you Fred.

 

I will print it off as soon as we get home and will send it.

 

I'll post on here if I hear any more from them

[locutus]

A belated halloween message to all DCA's in the immortal words of Bender....

 

[babybear39]

Well I got there finally: Banana bonuses with Aktiv Krapital

 

Fred

 

Classic Fred

 

ROFLMFAO :lol:

[babybear39]

Excellent - Thank you Fred.

 

I will print it off as soon as we get home and will send it.

 

I'll post on here if I hear any more from them

 

Tinnud, just catching up with the thread myself and was so sorry to read about your little girl. I sincerely hope she makes a speedy recovery and offer my heartfelt *hugs* to you and your family.

[389shell]

Ches Messieurs,

 

J'ai été fiablement informé que vous tout mange des bananes comme un repas principal, pour cette raison seul, j'ai peur que je ne peux pas vous payer plus, bien je dis que j'ai peur, que je signifie suis vraiment je suis content pour dire. Je toujours ai soupçonné que vous toutes têtes vides eues, maintenant il a été confirmé !

 

Connaissez-vous la citation suivante ?

 

Je ne veux pas vous parler non plus, vous videz l'essuie-glace de chemin de nourriture animal dirigé. Je pète dans votre direction générale. Votre mère était un hamster et votre père a senti de baies de sureau. Maintenant partir ou je vous accablerai de sarcasmes un deuxième temps.

 

Je suggère que vous m'habituez à lui.

 

Translation

 

Dear Sirs,

 

I have been reliably informed that you all eat bananas as a main meal, for this reason alone, I am afraid that I cannot pay you any more, well I say I am afraid, what I really mean is I am glad to say. I always suspected that you all had empty heads, now it has been confirmed!

 

Are you familiar with the following quote?

 

'I don't want to talk to you no more, you empty headed animal food trough wiper. I fart in your general direction. Your mother was a hamster and your father smelt of elderberries. Now go away or I shall taunt you a second time.'

 

I suggest you get used to it.

 

389Shell

 

Please let me reiterate, this has been copied and pasted into a translator, it will make no sense to a Frenchie.

 

 

[huggy41]

This is where dca monkey's get there training

 

Red Faces Over Road Sign Gaffe

 

Today, 01:37 am

Sky News

• Print Story
  

A Welsh road sign that read "I am out of the office at the moment" has been taken down after bemused members of the public reported the blunder. Skip related content

Red Faces Over Road Sign Gaff

 

 

 

 

Swansea Council admitted that the embarrassing error had come about after it emailed its translation service to request help.

It failed to realise the reply was an automatic out-of-office response.

The email read, in Welsh: "I am not in the office at the moment. Please send any work to be translated."

[cashins]

Languages again.

 

Took the pick below on the Autopista Fransisco Fajardo in Caracas.I would have expected it to read Cono Tu Madre or Hijo De Puta, but as the autopista has 8 lanes in each direction at this point and nobody keeps to their lane...:eek:

 

I agree, Anglo Saxon is definately best!

 

[fuzzybobble]

I wouldn't dream of it. Mind you, I think it's about time fuzzybobble had his own web site: Fuzzybobble Debt Terrorist - Probably the best Debt Collection Agency in the World

 

Regards.

 

Fred

 

Hee hee, now that's funny.

[Fred Bassett]

Hee hee, now that's funny.

 

Glad you like it fuzzy. I've had a few problems with my usual free hosting site which is a pity because there are no ads on that one. If I can sort it out, I'll change the link.

 

Regards.

 

Fred

[fuzzybobble]

It would be funny to rework 1st credits entire site, then have the video link to the wmv version of fuzzybobble debt terrorists on huggy's site.

 

Then email Uncle Bob the link to the site

 

Also register the site with google so it shows up at the top when you search for debt collectors.

[tiglet]

I wonder who he'll sue for libel first ...

[Fred Bassett]

It would be funny to rework 1st credits entire site, then have the video link to the wmv version of fuzzybobble debt terrorists on huggy's site.

 

Then email Uncle Bob the link to the site

 

Also register the site with google so it shows up at the top when you search for debt collectors.

 

Google bombing, now there's a thing. The best one I've ever seen is this:

French Military Victories bung that into google, then press the 'I'm feeling lucky' button. It's also a good idea to follow the links you get afterwards. Absolutely bloody hilarious.

 

Another good one was "f***wit", which took you to the Deputy Prime Minster's website when John Prescott held that job. Wish I knew how to do it.

 

Regards.

 

Fred

[mr.ton]

It would be funny to rework 1st credits entire site, then have the video link to the wmv version of fuzzybobble debt terrorists on huggy's site.

Then email Uncle Bob the link to the site

Also register the site with google so it shows up at the top when you search for debt collectors.

 

FB (and others)...i think we need to be a bit careful in how far we go - im all for getting even with DCA's etc... but lets be a bit careful eh?

Sorry to be a spoilsport

[MARTIN3030]

Indeed.Following reported posts,the team will be looking at this.Harmless banter is one thing but going beyond that could have serious consequences.

[Fred Bassett]

Indeed.Following reported posts,the team will be looking at this.Harmless banter is one thing but going beyond that could have serious consequences.

 

Point taken. I'll delete these sites if needs be. In fact I think I might delete them tomorrow night.

 

Regards.

 

Fred

[mr.ton]

Indeed.Following reported posts,the team will be looking at this.Harmless banter is one thing but going beyond that could have serious consequences.

 

I dont want my thread turning into a recruitment ground for anti DCA terrorists

Like i said folks, im sorry if i sound like a spoilsport & im all infavour of playing pranks on them etc...but lets just keep it at that eh - especially in MY thread

Edited November 1, 2008 by mr.ton