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    • Points to emphasise with the court: There is no problem about money. The entire issue is about the quality of the work which has been carried out. The shabby workmanship has been confirmed by an independent survey for which you have paid £355. The survey report has been provided to the builders and yet they have so far ignored it and declined to comment. There were four contracts in all. Two of them were completed to a satisfactory standard and the price of those contracts was paid without any difficulty. The dispute relates simply to two remaining contracts which are the subject of the independent report. From the outset of this dispute instead of trying to hold a dialogue her adopted a barracking and bullying approach – the same approach which is being used by their debt collection agency. You have received threats that they will trespass onto your property and remove your driveway. They are completely aware that there is a legitimate dispute and in fact one of the directors admitted that the work was not up to standard. You have embarked on the pre-action protocol as a prelude to legal action. Legal action in respect of one of the contract has now been issued. You are still hoping that the builders will deal with the matter without the need to take the litigation into the court room. The building company have attempted to avoid the independent scrutiny and transparency of the court process. The proper procedure for addressing this dispute would have been to start a legal action against you. The building company have decided not to use a transparent process and have the evidence weighed by a judge. The building company has preferred to shortcut the process and to use the strong-arm tactic of trying to have you declared bankrupt. This is clearly an abuse of the process. If there were serious questions about your intention to avoid payment, it would have been open for the building company to issue proceedings and eventually to have required that you would pay the disputed some into court. You would have complied with such an order without any difficulty – but they have chosen not to litigate. Now that litigation is underway, you believe that the best course of action is to allow the litigation to take its course and for the building company either to come to the table or else for the matter to be decided by a court after having weighed all the evidence. I'm going to say that if you had been more responsive in the way that you had been dealing with this so far – and as we have been encouraging you to do throughout this process, we would be well advanced by now and there wouldn't be this furious last moment dash to prevent a bankruptcy procedure. I hope that in view of what is happening you will now re-prioritise this matter.   I don't know what your temperament is like but when the hearing starts, you must remain very level in your approach and your tone of voice. Simply make your points. Listen very carefully to what is being said to you. While the judge is speaking, you should make notes so that you don't forget to refer to a particular point if something important is said. In the heat of the moment and in the stress, it is very easy to hear the judge say something to which you want to respond and then as the judge continues, you forget to say it. Once again, I expect that @Andyorch will be along at some point although he may be away for the weekend.  
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My partners quick way of getting rid of a DCA- He says it works.


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My partner says this works and TBH we have not had a DCA/OC call us for months now.

 

When ever a DCA/OC rang up in the past and wanted money or more money to pay a debt he would politely explain we had not more money.

 

They would start getting demanding but he would stick to his guns. One day he got bored with these idiots as it was the third time in 3 days he decided he would have a laugh.

 

The when his phone went and they started asking for more money he decided to start chatting them up and asking personal questions and then started freeking them out by saying stuff like you know what l want to do to you, can l tell u about this freeky fettish l have.

 

The DCAs/OCs quickly hung up and are yet to call back.

 

Chrissi

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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Perhaps he REALLY meant what he said to them??...:(

The path of the righteous man is beset on all sides by the inequities of the selfish and the tyranny of evil men.

Blessed is he who in the name of charity and goodwill shepherds the weak through the valley of darkness, for he is truly his brother's keeper and the finder of lost children.

And I will strike down upon thee with great vengeance and furious anger those who attempt to poison and destroy my brothers.

And you will know my name is the Lord when I lay my vengeance upon thee.

(Jules Winnfield)

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MTM just because you dont have any fun does not mean other ppl cant.

 

Wino.

 

I am just ammased it works. but it has been rather quiet recently so i cant try it out for my self.

 

Chrissi

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 am just ammazed it works. but it has been rather quiet recently so i cant try it out for my self.

 

Chrissi

 

I dont think the fetish option would work for a female, I can confirm that being weird on the phone does work though :D

 

When mormans come to the door tell them you are cathoic when a life insurance company phone say your would like life insurance but you ahve cancer ect ect it works

 

friend of mine once answered the door to a mormen caller totaly naked and before they had time to say anything said can you hang on a minute while we catch the goat... :D

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  • 4 weeks later...
My partner says this works and TBH we have not had a DCA/OC call us for months now.

 

When ever a DCA/OC rang up in the past and wanted money or more money to pay a debt he would politely explain we had not more money.

 

They would start getting demanding but he would stick to his guns. One day he got bored with these idiots as it was the third time in 3 days he decided he would have a laugh.

 

The when his phone went and they started asking for more money he decided to start chatting them up and asking personal questions and then started freeking them out by saying stuff like you know what l want to do to you, can l tell u about this freeky fettish l have.

 

The DCAs/OCs quickly hung up and are yet to call back.

 

Chrissi

 

I think a great trick when they phone is to say nothing :wink: but give it a lot of heavy breathing coupled with the sounds of passion :eek: - The don't necessarily hang up but they don't interrupt either:D

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lol jon. there must e stveral tricks to get rid of dcas on the phone other than putting it down.

 

Some DCAs are to easy to wind up especially Interium justica

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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yeah i know of that clip senn it over 100 times and always makes me laugh.

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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  • 4 months later...
I almost WANT them to call me now.

 

 

If they do, and you have the nerve, say,

 

Hold on, i will just get him/her for you, put the phone down to one side and then go off and do something else.

 

8 minutes and 10 seconds was the longest they ever held on for me.

 

They dont ring anymore, strange that.

Edited by tonycee
spelling

I Wish you everything you wish yourself.

 

NatWest Claimed £1,639. Accepted £1,344.

Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.

Barclays 1 Claimed £1,260. Won by default. Paid in full

Barclays 2 Claimed £2,378. Won by default. Paid in full

Birmingham Midshires. Claimed £2,122. Accepted £2,075.

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Hiya guys :)

 

I had a bit of fun with a DCA who was pestering us a while back. I must admit I don't normally enter into a discussion of any kind with them but I was in an extremely bad mood and they caught me right at the wrong moment :-x

 

They phoned for the umpteenth time asking for my OH so I said "he has run off with another woman!"

 

The guy asked if I knew his forwarding address so I said I didn't but when I did I was going to go round and cut off his [edit] and stuff them down his throat...and that I was extremely distressed right now so if he (the caller) didn't [edit] and stop pestering me I would go round to their office and do the same to him!!

 

He quickly apologised for calling and said sheepishly that if I did hear from my OH perhaps I would kindly let him know they had called...rofl :lol:

 

After that the calls stopped!

 

Great fun!

 

Love SG x

Edited by GuidoT
Circumventing the swear filter
  • Haha 1

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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Ok then dont upset spirit girl.

 

I like ur reply tho must give it a try.

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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:eek: Oops ... I didn't know I was circumventing the swear filter with my post Cagbot - I honestly thought you could put asterisks in naughty words to filter them yourself - sorry 'bout that! :rolleyes:

 

Love SG x

Please note I am not legally qualified, I am offering advice based on my own personal experience in the hope that it may be of help to others in a similar situation.

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  • 2 weeks later...

these are funny...

 

Would love to to have a go with LINK [edit] Financial..They have really stressed me out over the last 4 months.. Had me in tears when I put the phone down on ...Wish i read these post before...!

Edited by GuidoT
Please do not circumvent the swear filter
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  • 7 months later...

Not a DCA but had a good one with a telesales for mobile phones from an Indian call center. The guy was insistent on telling me all about it and as I had a bit of spare time watching tv i decided to see how far he would go. I listened to him showing real interest for over an hour until he asked for some personal details as to where he could send the contract and phone at which point I told him i wasnt interested, he went absolutely beserk. First time I have heard what I think are swear words in the Indian language.

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lol i wonder what he called u

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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  • 1 month later...

Not to do with DCA's but I remember a chap once telling me he got a telephone call trying to flog him something or other.

 

So he told them to hold on while he went to get the person in question.

 

Came back on the phone putting on an accent saying "I'm glad you've called I've got a lvoely Skoda Fabia outside, low miles very good condition, I was looking for £2500 but I'll let it go for £2000 cos I'm moving shortly."

 

Caller: "What are you going on about?"

 

Oh I just thought I'd do the same thing as you were doing to me, good day.

The views I express here are mere speculation based on my experience. I am not qualified nor insured to give legal advice and any action you take will be at your own risk.

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