Inside a DCA!

[Michael Browne]

I assume this is another one:

Wentworth Direct Finance - UK Unsecured Loans

 

same registered address as Cus4loans

 

they also run this site:

4QuickMoney- Loans

[onthebrink]

My companies Data Protection Officer said to me a while back, 'onthebrink, we don't live in a world where privacy means anything anymore, and where our data has a monetary value. Big business pay big bucks for data.'

 

Before submitting ANY data about yourself look and the T&Cs of the website, you may find it asks if you want to receive marketing info but won't detail what they do with your data, just that they will 'use it'. ALWAYS look for a 'privacy' policy and if its missing walk away.

[itsamomentintime]

ALWAYS look for a 'privacy' policy and if its missing walk away.

 

great advice.

 

someone give onthebrink a medal!

[andrew1]

great advice.

 

someone give onthebrink a medal!

 

What, another one !

[onthebrink]

You are all just to kind.

 

A humbled

 

Onthebrink.

[car2403]

My companies Data Protection Officer said to me a while back, 'onthebrink, we don't live in a world where privacy means anything anymore, and where our data has a monetary value. Big business pay big bucks for data.'

 

They don't even need to pay for it, neither - if it isn't the Banks ditching our personal data in the dumpsters out back, it's the government losing data in the post.

 

The simple answer to avoid identity theft, these days, is to not have an identity. The question is, how far are you willing to go down the rabbit hole to protect (and therefore expose) yourself?

 

Conspiracy theories abound... and rightly so, me thinks...

[The GodMother]

Car if we was to go down a rabbit hole and have no identy who would the DCAs argue with?

 

I total agree about the identy thing. I was ferious when HMRC lost the data dics. Last i knew is they were searching rubbish dumps for them that bis when they were saying they had more that likely been left in the office of the courier company/ left with a receptionist at the location they were ment to go to.

[andrew1]

cus4loans.co.uk

 

their not even subtle:

 

 

'Cus4Loans.co.uk is a website operated by The Slice Ltd. The Slice Ltd is licensed under the Data Protection Acts. Registered Company Number: 02860905 Registered Office : 25 Ormside Way, Redhill, Surrey. RH1 2LW. Data Protection Number: Z8414369

The Slice is a marketing and IT systems organisation and does not offer any financial advice. Think carefully before taking out a loan.'

 

Give it a try, you'll be lucky to get a response

 

That's what they said about Cabot - Didn't kinda end up that way :D

[JonCris]

 

Sorry to answer PMs here, but if you asked then I'm sure someone else needs to know.

 

Why do DCAs pass my debt on?

 

Basically because they have run the debt cycle and the chance of recovery is nil. As I said in an earlier post, they are working on % of debtors and turnover of accounts. If the supervisor has determined they won't get paid it will be passed on.

 

 

If I move address can the OC/DCA find me?

Not if you move to the moon. . At some point in the future your going to go looking for debt again (sorry credit ), and they link you with two key pieces of information - you date of birth and you place of birth (the chances of two joe bloggs born in Hackney on the 25 Feb 1905 is rare!), your address is only the first port of call.

 

DCAs have a number of routes to find you -

 

Spoof websites offering credit (you get rejected but they have the info)

Mobile phone contracts

HP agreements

Mortgage applications.

On-line marketing surveys

Electoral register

 

Do you know the name of any of the other 'spoof' websites purporting to be brokers

[andrew1]

Do you know the name of any of the other 'spoof' websites purporting to be brokers

 

See post 501 JonCris

[JonCris]

I have Andrew & I may have done something about their illegal conduct.

 

Did you notice that 'Slice' don't appear to have a CCL yet are claiming to 'offer' finance..........

[dannyboy660]

I hope they are not a genuine company, because I suspect they are about to get hundreds of applications from a Mr M Mouse, and D Duck.

[The GodMother]

Or Miss M Mouse.

 

I can see the letter from them.

 

Dear Mr G Dog.

 

ref XXXXXXXXXXXXXXXXXXXX

 

I am writing about the loan taken out under the above number.

 

GIVE US OUR MONEY BACK.

[JonCris]

Why not apply in the name of Mr Broon after all he's gonna need all the money he can get very soon...........what with Iraq.......Northern Rock.....to name but two

[The GodMother]

LOL well Mr Brown is likely to need a loan as l will be advising companys that if they want there money then they should contact Alistar Darling as he is the chancellor.

[JonCris]

 

Sorry to answer PMs here, but if you asked then I'm sure someone else needs to know.

 

Why do DCAs pass my debt on?

 

Basically because they have run the debt cycle and the chance of recovery is nil. As I said in an earlier post, they are working on % of debtors and turnover of accounts. If the supervisor has determined they won't get paid it will be passed on.

 

 

If I move address can the OC/DCA find me?

Not if you move to the moon. . At some point in the future your going to go looking for debt again (sorry credit ), and they link you with two key pieces of information - you date of birth and you place of birth (the chances of two joe bloggs born in Hackney on the 25 Feb 1905 is rare!), your address is only the first port of call.

 

DCAs have a number of routes to find you -

 

Spoof websites offering credit (you get rejected but they have the info)

Mobile phone contracts

HP agreements

Mortgage applications.

On-line marketing surveys

Electoral register

 

LOL well Mr Brown is likely to need a loan as l will be advising companys that if they want there money then they should contact Alistar Darling as he is the chancellor.

 

& as we have seen he likes the money lenders doing all he can to support them........at our expense

[Cornucopia]

I've just joined "The Cabot Fan Club".... they introduced themselves as the new "owners" of an unenforceable account at the week-end. Deep joy...

 

PriorityOne! We haven't caught up in ages! It wasn't a Goldfish card was it? If it was, then join the club!

 

Regards,

 

Corn x:)

 

PS : The Cabot Fan Club are F.A.B. I don't mean the Cabot that prefer the hung, drawn & quartered option!

[Cornucopia]

Congratulation to OTB for a truly amazing and useful thread. I hope you have good cover!

 

I have a couple of questions though :

 

How do you deal with an DCA and their solicitors when you have spent 16 months trying to communicate with them and they have never answered a single, solitary letter and have ignored your SAR and your CCA requests? I am talking around 26 letters in fact, which have all been received and signed for.

 

How do you deal with a DCA who has filed a claim, despite all the above) at county court (a claim that will be fast-tracked due to the size) despite the OC admitting that they converted documents unconnected to the "debtor" in an attempt to concoct an enforceable agreement? Oh and put all the wrong information on it, at that!

 

I am more surprised that the Solicitor for the DCA is extremely well known and "high end" yet they can't respond to letters? Why is that? Further, why they have advised their "client" to litigate is beyond me. Will they withdraw after my defence is submitted? What do you think OTB???

 

I have, thankfully, been able to afford a Barrister (on a time spent and reduced fee basis) to represent me in Court. I ought to say that the reason for this is that in my experience, the Judge does not appreciate a Litigant in Person, however, their tune is very much changed when a Barrister comes into play. That is just from being an observer in Court. I wouldn't put myself through it after that! Sorry that is slightly off topic but was touched on earlier in the thread.

 

Regards,

 

 

Corn x:)

[onthebrink]

Hi all,

 

Just got in from work so no time to respond to questions but I will tomorrow.

 

I do have good cover although I did get a PM from someone I worked with but decided it best not to respond!!!!! He knows who he is .

 

Remember....it's good to talk.

[Janesey]

Help! on behalf of a friend

 

Mary ran up debts in 1997 and then immediately left the address with no forwarding address. Mary makes a new start and opens several credit accounts from 2003 onwards at a different address with no connection to the previous address.

 

Mary runs all accounts good, no problems, no ccj etc. Mary gets a letter from DCA recently, stating acting for OC as to whereabouts of debtor. Mary panics and puts letter in the bin. Mary checks Equifax and discovers a search by DCA of reason: outstanding debt. Everything else clean.

 

We do not know if a CCJ or Default Notice was received since Mary left address years ago. Is this statute barred?

 

• Mary is now worried that old debts will now find her, is he on the radar?
  
• How did they trace her after so long?
  
• What should she do when the next letter comes through the letterbox?
  
• Will her current Credit Cards and Bank accounts now be withdrawn?
  
• Mary is vulnerable with terminal disease.

Please help!

[Cornucopia]

Hi all,

 

Just got in from work so no time to respond to questions but I will tomorrow.

 

I do have good cover although I did get a PM from someone I worked with but decided it best not to respond!!!!! He knows who he is .

 

Remember....it's good to talk.

 

Ah! But did he do it on purpose or is he undercover, or is he a shameful debtor like the rest of us????!!!

 

I look forward to your response OTB!

 

 

Regards,

 

 

Corn x:)

[Cornucopia]

Help! on behalf of a friend

 

Mary ran up debts in 1997 and then immediately left the address with no forwarding address. Mary makes a new start and opens several credit accounts from 2003 onwards at a different address with no connection to the previous address.

 

Mary runs all accounts good, no problems, no ccj etc. Mary gets a letter from DCA recently, stating acting for OC as to whereabouts of debtor. Mary panics and puts letter in the bin. Mary checks Equifax and discovers a search by DCA of reason: outstanding debt. Everything else clean.

 

We do not know if a CCJ or Default Notice was received since Mary left address years ago. Is this statute barred?

 

• Mary is now worried that old debts will now find her, is he on the radar?
  
• How did they trace her after so long?
  
• What should she do when the next letter comes through the letterbox?
  
• Will her current Credit Cards and Bank accounts now be withdrawn?
  
• Mary is vulnerable with terminal disease.

Please help!

 

Janesy, I would suggest that you start a thread on this in the General Debt Forum. I would imagine that most of the debts are now statute barred, but it doesn't stop them from searching. I would suggest not responding to any searching letters, although others may disagree.

 

I doubt that current facilities would be withdrawn, especially if they have been properly run. I suggest same regarding her bank account.

 

I really do think that you ought to start a separate thread on this and provide some further information. I hope this helps.

 

Regards,

 

Corn x:)

[Janesey]

Oh god, I'm so sorry...

[Cornucopia]

Oh god, I'm so sorry...

 

NO NO! Don't apologise! I didn't mean to scare you!!

 

I just thought that as this thread was about the workings of debt collection agencies, it might be better, under the circumstances, for you to have a whole thread to yourself regarding Mary's issues! New threads tend to get a lot of attention!

 

If you need any help with that, then please do let me know!

 

A hug for scaring you.....

 

Regards,

 

Corn x:)

[TANZARELLI]

Janesy, I would suggest that you start a thread on this in the General Debt Forum. I would imagine that most of the debts are now statute barred, but it doesn't stop them from searching. I would suggest not responding to any searching letters, although others may disagree.

 

I doubt that current facilities would be withdrawn, especially if they have been properly run. I suggest same regarding her bank account.

 

I really do think that you ought to start a separate thread on this and provide some further information. I hope this helps.

 

Regards,

 

Corn x:)

 

A good call Corn

 

Tanz