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    • FINAL UPDATE.  I have not posted as the defence were reading the thread.  An agreement was reached on the day of the hearing.   I am unable to go into detail but for those in this position the forum has been priceless support and advice so thank you all in the site team.   for those going through this, follow the process, ignore intimidating tactics and threats and get to the Judge.  They are very supporting of those self representing.   I note her name has gone from the heading of the thread.  Was this them ?  Thanks again.  
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    • We received a copy of the completed Directions Questionnaire (N181) from the solicitors along with a draft copy of their directions. I am on a course today so can upload over the weekend if needed. By 4pm on 16th May both parties must each give standard disclosure of documents by way of list by category. By 4pm on 30th May any request for inspection or copies of docs must be made and compiled 14 days thereafter. I will provide more over the weekend.
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Cheekiness towards a DCA


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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 :confused:

 

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

 

Taz11

Taz11 v NatWest/Triton: Unenforceable :D

Taz11 v BOS: Unenforceable :D

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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 :)

If in doubt, contact a qualified insured legal professional (or my wife... she knows EVERYTHING)

 

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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 :)

Taz11 v NatWest/Triton: Unenforceable :D

Taz11 v BOS: Unenforceable :D

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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!

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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.

Carpe Jugulum

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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' :eek:

 

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. :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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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. ;)

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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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!

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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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Thames credit

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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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::eek:

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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

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

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 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. :D

 

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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

fuzzyskirrid.jpg

Edited by fuzzybobble

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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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 :evil:

 

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

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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 :D

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