Inside a DCA!

[fuzzybobble]

Amazing Thread. Makes for very interesting reading, and very useful advice too.

Deffo a click on the scales from me to Onthebrink.

 

I have a few questions regarding the things you should and shouldn't tell DCA's

I'm currently on Job Seekers Allowance, as a result I have 4 debts that I'm still trying to bury with non CCA compliance.

 

I made a point of telling them I didn't own property. (moved back with parents 6 months ago.), I have no car, (I do, but they have no way of knowing from any info they may have and car is now registered in my dads name anyway as I "sold" it to him for a quid. .) On the so called "agreements" for my loans it says it was for consolidation of existing debts, the only fly in the ointment was £2k on a credit card, but I didn't actually buy much in the way of material things with it, most of it went on binge drinking, and enjoying life. Ahh the good old days.

 

So if I play it dumb and tell them nothing else I should be safer from a CCJ than I thought I was before starting to read this excellent thread?

[fuzzybobble]

Thanks for your comments and click on the scales

 

I understand what you saying ( I have no assets), although if you did provide a budget did you include Fuel, car insurance, tax, mot, etc.

 

Unfortunately, what you have said does not rule out a CCJ, because the first step in going for a CCJ is to get a payment order in place in order to get monthly payments out of you, which is more than they are getting now.

It's is only AFTER that arrangement defaults that they will be interested in any assets you own.

Yes, they will assess your potential assets but their first priority is to get regular payments out of you, and if you do have assets they will hope you default.

 

On my budget sheet I was as vague as I possibly could be. I just put travelling expenses. I've learnt fairly quicky after sorting out my girlfriends debt probs last year, that it's best to tell them as little as posible.

For the ones they have complied with the CCA for, I'm paying token payments of £1 a month.

 

Thanks for the really fast reply too. Very much appreciated.

[fuzzybobble]

It's because the poster said he spent the money on "binge drinking and enjoying life" so it was not free like a walk in the park, otherwise there would be no debt.

 

I was being honest when I wrote it. I spent money I didn't have and paid the price for it. Hands up and admit I was stupid. Even with no CCA's you're still under tons of pressure and stress from the DCA's. I send out about 12 letters a week for myself, my girlfriend and a few good mates who also made the fatal mistake of "easy credit". A lot of work, but well worth it when you can see the light at the end of the tunnel.

 

It's a trap that's easy to fall into. Now I have no money, job, or material things like that, I have realised there's far more to life than posessions and going out. Got my bike out of the shed a few weeks ago, spent £20 on new tyres and innertubes, cleaned it up a bit. Since then I've been to lots of places, seen more things than you ever would driving a car, and best of all. It doesn't cost a penny + keeps me fit too.

 

Don't ever say that being in debt/losing your job is the end of the world. Fo me it's the start of something better. You just don't realise it at the time.

 

It's all too easy to get caught up with the constant media brainwashing we all get from TV, etc, that you have to have, or need the latest gadget or car, etc. You don't.....Quality of life is a million times more important than the bank balance or a house full of the latest kit.

 

When it comes to DCA's and CCA's. If I couldn't provide the correct paperwork, I'm sure they'd have no hesitation to screw me for anything they could get and in any way they could. So my motto is. Do it to them, before they do it to you.

 

Anyway, Tifo, I hope that clarifys things a little bit.

Good luck to you.

[fuzzybobble]

It's ok, no hard feelings or critisism towards anyone intended.

We're all entitled to our opinions and explainations

as to why we're all here.

 

As long as we all walk away happier and having

learnt something from experiences in life, then

it's a good thing.

[fuzzybobble]

best thread in ages. So much useful info.

Onthebrink, you'lll never realise how much help you've been.

 

Amazing how someone can have 4 green blobs for less than 100 posts.

 

It's what we all should be striving for. CAG heaven.

 

They should make the scales bigger cause nobody clicks on mine.

I think the gingerbread man avatar scares them all off.

[fuzzybobble]

100 posts.....yeaaaa...I feel better than David Beckham :grin:

 

Don't forget your 4 green blobby things too.

[fuzzybobble]

By the time the "specialist" DCA's come out of the woodwork, I'll be 5 and a bit years wiser to all this. Got them all on the run around after just over a year, so another 5 and they deffo won't have a hope in hell.

 

The only way any of them will see another penny from me, is if I decide to send one with unpaid postage, so it costs them a quid to get it.

[fuzzybobble]

Whilst I'm not claiming it was due to me & my threat of litigation, I have heard that the CRA's are or have already introduced a new code of practice whereby their clients will have, if required, to provide evidence that the data is accurate.

 

In fact I think they have recently been reminding clients that it is their duty to ensure the data is correct failing which they could be sued by the subject & have their CCL called into question

 

Just a shame that codes of practice are made to be broken.

I think we should put it to the test and insist that defaults

where there is no CCA produced should be removed by the CRA's.

Last time I tried I got back the bog standard "The dca say the information

is correct, so it must be true, and it's staying on your file." Type of letter.

 

When you realise that the CRA's also own a few DCA's and it's getting obvious to many on here, that they do share data and work together for their own benefit (deffo not for the people)

Lots of people have sent off their £2 to a CRA for a copy of their credit file, only to get a DCA contact them a few weeks later for a long forgotten about debt. It happens far too often to be a pure coincidence.

[fuzzybobble]

My girlfriend recently sent for a copy of her credit file.

Within a month she was contacted by Westcot for an old

Freemans catalogue account. and a few days later by

Buchannon Clarke and Wells for an outstanding balance

from an outstanding gas from about 3 years ago.

 

Bog off letters sent by return post and all is now

peaceful again.

[fuzzybobble]

Hi Gnatshill,

 

It's best you start your own thread on here, then it will be easier for everyone to advise you on what to do. Otherwise everything will end up lost amongst the other posts on this thread, and make things complicated for everyone.

 

Send me a private message when you have your own thread going. Then I'll try and sort out what you need to do next. Any chance you can provide up to date info on your new thread , on which DCA has each account, what each one is for (loan, Credit card, catalogue, etc) plus approx amounts and what year the credit was taken out for each one? Doing this will be a big help.

 

Any problems, let me now.

[fuzzybobble]

Jorja is fine drinking 7 oz bottles at 9 weeks old and putting on weight. She is suffering a bit with the weather as it cant make up its mind but we can help that. Chrissi

 

My chinchillas don't like the hot humid weather either. Imagine wearing a 2 inch thick fur coat. Yet they sleep togther in a big furry pile with a few legs,ears, and whiskers sticking out.

 

 

 

 

With a name like Fuzzybobble you have to have fuzzy pets too

 

 

[fuzzybobble]

 

You don't happen to breed them do you? OH's folks are near you, if you remember.....

 

I used to breed them. But just keep a few as pets now. The baby one in the pic is now 5 years old.

 

Feel free to do whatever you want with the pics. No copyright laws with me

 

I'll have to start a "who's got the cutest pets" thread in the bear garden

[fuzzybobble]

Well we have the rain:mad: I think it is down to my eldest daughter doing a money spell - suspect she might have got something wrong:confused:

 

Can you ask her to do a "Get Frederickson's/Bryan Carter to send Fuzzybobble a cheque so he can buy a radio controlled helicopter and a CAG donation" type of spell please?

[fuzzybobble]

Seriously though, chinchillas make good pets if you get them from a breeder instead of a petshop. Buy them young from a breeder and get them used to being handled from an early age. They are also very intelligent like squirrels.

 

They also live to around 25 years old, so no upset kids every 4 years like you get with rabbits and guinepigs.

Also chinchillas don't smell and only need cleaning out once a fortnight. If you get a proper cage where everything drops through a mesh floor onto cat litter/compressed paper pellets in the slide out tray.

 

They need to be kept inside in a dry enviroment, as they cannot cope with damp or wet. If exposed to wet or damp, they can get breathing problems.

 

Like mice and gerbils they need something to chew on to keep their teeth from growing too long. Bits of wood and cardboard are ideal.

 

Chinchillas don't wash their fur. They need a dust bath. This is a metal box filled with volcanic sand that most petshop can provide. A chinchilla rolls in the sand and it keeps their fur clean. They don't suffer from fleas, as their fur is so dense fleas can't get down to their skin to feed. Most furry animals have one hair per folical. Chinchillas have about 8.

 

They moult their fur twice a year, and it's so fine it looks like cobwebs and floats in the air. Once a week, run the vacuum cleaner around the cage and it won't be a problem.

 

They make excellent and unique pets. A real conversation piece for anyone who visits. The initial cost of the cage, etc, isn't cheap (£100) and a chinchilla will cost about £50 to buy (70-80 for a charcoal black one), but they live a long time, and well worth the initial cost.

Once you have the cage and accessories, one chinchilla will cost about £5 a month to keep.

[fuzzybobble]

Thanks for that one FB - we have moved from 'inside a DCA' to 'inside a chinchilla cage' which is actually a much better place to be IMHO.

 

Unless you happen to be a ryvita, sultana, or a smartie.

 

Then you'd be in real trouble. The pic above shows chinchillas like ryvita, but they have a real sweet tooth.

[fuzzybobble]

I have to agree BB.

 

Recently my friends son was mugged. Threatened with an iron bar and had his phone stolen and £15 in cash.

My friend knew who was responsile and called the police.

 

Almost a WEEK later they came to the house to get a statement. My friend commented that the person responsible was a local drug dealer an was the dregs of society. The police woman got really stroppy with him and accused him of being racist as the person who had mugged his son was Asian. She then went on to say that she felt sorry for him as people were always accusing him of petty crimes in the area.

 

Of course it's been 3 weeks now, and what have the police done? You got it. Zero. Around here they're too busy pulling motorists for faulty lights and other easy targets rather than the real criminals.

[fuzzybobble]

My mate was in the police for a few years in the 80's, so he's filed a complaint about the attitude of the officer and the fact that nothing was done either.