Cheekiness towards a DCA

[Taz11]

lol What a fantastic thread, I've just sat here for close to three hours reading parts from this post and I've been sitting here laughing for once in a long time, rather than thinking about the position I'm in. I will now answer the phone again.

 

Just a couple of questions, that I hope someone can answer. Can these verbal "cheeky" comments be directed to CC callers aswell as DCA callers, and secondly is it something I should do after I have failed to receive CCA requests or can I dive straight in. I don't want to look a prat answering a cc creditor, saying I haven't got a CCA blah blah blah, and then one drops on my mat the next day within the 14 day period, if you see my point

 

Thanks for all in this post, it has really cheered me up and brightened the day.........well early morning now, time for bed

 

Taz11

[locutus]

Have a good night. The CC company or DCA for that matter can drop a valid CCA agreement on you at any time within 6 years of you making a payment (as after then it is barred by the limitations act I believe) but you should never feel you have to be polite to someone who is being rude and bullying for money, just as you should never be rude to someone who is being polite IMHO. Fortunatly for the purpose of this thread DCA's being polite is a rare occurance, so feel free to be as cheeky as you want

[Taz11]

thanks locutus, not gone to bed yet...lol, can't get away from this thread. I've had 3 calls today at least from RMA regarding an arrears to MBNA, was just wondering what I can answer to these calls, as I'm now on a CAB file who are going to be sending holding letters to creditors...........and I've already sent CCA requests yesterday.

 

 

I am now DEFINATELY off to bed lol

[vengeancedemon]

You could try by refusing to answer any "swcurity questions" over the telephone and repaeting until they get bored, "I will only communicate with you in writing" and never mind the verbal diahorrea of threst that they issue, RMA are good at this, they threatened to send the collectors ( of goods and chattels) round within half an hour of a) the first telephone call, b) no CCJ, c) no default on CCJ and not "proper baliffs Told them to find the house with a blue and white car outside with non optional blue roof lights!

[bigegg]

Can these verbal "cheeky" comments be directed to CC callers aswell as DCA callers,

 

Taz11

 

It's your phone ! And it's still a free-ish country, regardless of what TB Liar and Nu-Labour have tried.

[eastendboy]

YouTube - judge judy drink drive plaintiff surveillance neighbor Car FUNNY

Judge J scores again! (which can be more than said about the West Ham strikers)

[stardust_john]

Judge Judy-Boy had that man a gob on him, even he laughed when the tape was shown. 'You fell over because you were drunk' 'No Im an epileptic'

[fuzzybobble]

Judge Judy-Boy had that man a gob on him, even he laughed when the tape was shown. 'You fell over because you were drunk' 'No Im an epileptic'

 

The bit that made me laugh was the expression on Judy's face when the camera cut back to her after the security camera footage was show.

[geministar2007]

just looked at this thread i'm loving the comments and what everyone is up to towards these slime bags. May have to try some myself if the need arises. Does anyone have any email cheek to throw????

[fuzzybobble]

Never thought about email cheek. Might be an idea for us to have some alternative templates people can use.

 

Busy making my own soundboards at the moment. I'm sorting out a better judge judy one so I can do account numbers and stuff with it.

 

Also open to suggestions as to which DCA gets this weekends fuzzybobble phone call with my new mystery soundboard.

[Jeff2000]

Never thought about email cheek. Might be an idea for us to have some alternative templates people can use.

 

Busy making my own soundboards at the moment. I'm sorting out a better judge judy one so I can do account numbers and stuff with it.

 

Also open to suggestions as to which DCA gets this weekends fuzzybobble phone call with my new mystery soundboard.

 

 

How about Blair, Oliver & Scott!

 

Or Link!

[fiftypence]

Please see my post number 25 on the free credit report thread, oh ok, Wescot to save you looking.

[Fred Bassett]

If you like email cheek, try this one:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/86614-fred-bassett-halifax-2.html#post1856125

 

Regards.

 

Fred

[geministar2007]

lol marstons would be a good one for the call!

[The GodMother]

Thames credit

[ODC]

Never thought about email cheek. Might be an idea for us to have some alternative templates people can use.

 

Busy making my own soundboards at the moment. I'm sorting out a better judge judy one so I can do account numbers and stuff with it.

 

Also open to suggestions as to which DCA gets this weekends fuzzybobble phone call with my new mystery soundboard.

 

Lowells are stupid enough to fall for it. Link, HFO or Ruthbridge are so greedy they will try to put the Christmas Card number through as a payment plus the added bonus of the latter two is that their threat monkeys are so aggressive you may even get to record some four letter words:eek::eek:

[Goldlady]

I vote for Link. I have posted elsewhere about their sexy welsh girlies leaving messages for the OH. He has told them off, but wondered whether one of them might be up for a date:D

[The GodMother]

and you would not mind him taking them on a date. Just to stop them ring him asking for one.

[fuzzybobble]

I vote for Link. I have posted elsewhere about their sexy welsh girlies leaving messages for the OH. He has told them off, but wondered whether one of them might be up for a date:D

 

Have to agree there. 2 years ago I went to a halloween party at the Skirrid Inn, just outside Abergavenny. The barmaid had the best pair of heads on two pints of Hobgoblin I have ever seen. Got a few free pints in exchange for a photo on her mobile with Mr G Breadman.

 

Welsh girls, you can't beat them.

 

If there's any reading this message, and like the idea of having your debt probs sorted out by a gingerbreadman in sheeps clothing. PM me.

 

If you go to the Skirrid Inn you'll see a pic of me in the restaurant. A little something like this.....

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Edited December 10, 2008 by fuzzybobble

[clemma]

This thread has had me in stitches......took hours to read

 

Got some really good ideas from here as well

[clemma]

Been reading through a bit more of this. My Hubby entered into an IVA a while back.....now I realise that a lot of the debts could have been challenged as they were with DCA's....Frustrating to say the least

[cashins]

Been reading through a bit more of this. My Hubby entered into an IVA a while back.....now I realise that a lot of the debts could have been challenged as they were with DCA's....Frustrating to say the least

 

Unfortunately that's the way it works.

 

DCA's threaten and bully but in actual fact that's all they can do, they have no legal powers whatsoever.

 

If you still have ongoing problems you are welcome to start a thread on them to see if we can help.

 

David

[clemma]

My Hubby has one with an old debt with Npower from 2000....I'm going to send off a CCA. He never lived at the address they are giving, nor has he ever made a payment. Am thinking it could be statute barred. I should add that this is with a DCA now....not Npower.

 

Not going to start a new thread - I think I have learn't enough from this one

[nosnibor]

Hi Clemma

Sure someone will come along and correct me if I’m wrong but it’s my understanding that debts within an IVA can still be challenged at anytime.

[tiglet]

Also, utility debts are not covered by the CCA - if it's from 2000, I would send the statute barred letter.