Jump to content


  • Tweets

  • Posts

    • A full-scale strike at the firm could have an impact on the global supply chains of electronics.View the full article
    • He was one of four former top executives from Sam Bankman-Fried's firms to plead guilty to charges.View the full article
    • The private submersible industry was shaken after the implosion of the OceanGate Titan sub last year.View the full article
    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-   (a) the owner or occupier of the land; or   (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44   For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 Proof of planning permission granted for signage etc under the Town and country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.   4.4        I also do not believe the claimant possesses these documents.   No Keeper Liability   5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.   5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.     5.3         The claimant did not mention parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    Protection of Freedoms Act 2012   The notice must -   (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates;  22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim.  5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims.  7.5 Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practice continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.”  7.6 In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverabl15e under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...''  7.7 In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case.  7.8        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.   7.9        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).   In Conclusion   8.1        I invite the court to dismiss the claim.  Statement of Truth  I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
        • Thanks
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

I am a debt collector


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5786 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi I work for a debt collection agency and I just wanted to say I am never threatening or nasty (though people on the phone can be to me!).

 

I am just doing a job, trying to mostly reclaim monies people have borrowed or spent and not repaid back for whatever reason.

 

I am very reasonable to everyone I speak to and try to understand that persons situation, yes sometimes means talking to them about getting a loan, but in some cases people are paying out more in the way of repayment then an actual loan will cost, so in this cases I find it helpful to the debtor to advise them of this.

 

I never try to take something a person hasnt got, and go through inc and exp to find out how much they can afford to pay (not how much is left every month!).

 

In my experience people who are called on a regular basis is normally because they have avoided calls and letters. Best advise (unless ofcourse it has been over 6 years) is to speak to someone, if the person you speak to is not very nice tell them you dont like the attitude put the phone down and call again, the next person may not be so horrible!

 

If the debt is re bank charges or interest tell them so! Ask how much the company will accept in a way of full of repayment - or make an sensible offer, most companies will accept this - generally not less then 70%.

 

Bare in mind though if you do offer a settlement less then the original amt the remainder of the debt will say on credit file as being outstanding.

 

If you are on a low income offer token payments - whatever you can afford even if it is £1 a month (though your income and exp will have to prove this). It shows willing!

 

Any questions (no abuse please) please ask and I will try to help.

 

Thanks

Link to post
Share on other sites

  • Replies 193
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Welcome to CAG.

 

Unfortunately you seem to be in a shrinking minority here and I hope you read up on the whole Consumer Credit laws and OFT guidelines.

 

While I do agree that most DCA employees are simply doing a job, the sheer amount of misinformation and down right falsehoods is what give debt collection an extremely bad name, especially in the consumer field.

 

This is the main reason we always advise people to deal with DCA's by letter ONLY. It helps alleviate the whole ranting and shouting escalation that can, and does, take place during phone conversations. Also it ensure a good traceable record of exactly what has been said and/or agreed.

Be VERY careful whose advice you listen too

Link to post
Share on other sites

I have been in contact with LOTS of reputable debt collectors over the years, I do think you all get tarnished with the same brush. It is a shame that the vast majority don't act very professionally at all nut I'm glad you do. You may well take a little bit of flack from some of the users on here, be prepared for that. I welcome you to the forums and hope you stick around as I'm sure your opinion on matters will be great to have!

Link to post
Share on other sites

I'd agree with you to a certain extent. Several of the DCs i was in contact with regarding full and final settlements acted in a civil manner. It seems to be the when the DCs have unenforceable agreements etc. that they become nasty. They try all the tricks in the book whether legal or not to intimidate the debtor into paying an account that is by law unenforceable through the courts. I had a DC write to my fathers address last week - same name, same town, different address - for an outstanding debt in my name. I have never used that address and i have always kept them up to date with a contact telephone number and address so that they dont try for a CCJ by default. Obviously a deliberate attempt to embarrass me with family. He asked my father, who suffers from Parkinsons, if he was related to me and that if he was then they had a right to send mail to his address. My father stated that he wasn't and demanded a written apology - that will be the day. What is needed is a regulatory body that actually has teeth and can severely punish the transgressors.

Link to post
Share on other sites

Hello notsoevil,

 

Thank you for posting, it’s nice too hear that there are some decent DCA workers around.

 

If you are on a low income offer token payments - whatever you can afford even if it is £1 a month (though your income and exp will have to prove this). It shows willing!

 

This is exactly what we did, as soon as we had financial problems we did not bury our heads in the sand and ignore them hoping they would go away. We wrote to all concerned and have kept in regular contact – albeit in writing, unfortunately, we have been treated with nothing but contempt with the dealings by both Original Creditors and DCA’s alike.

 

We have been lucky that we have not had to deal with harassing phone calls from the majority of our creditors, because our telephone number is ex directory and was never given when we moved house (we didn’t have one to give at that time). They were given a mobile number and when the calls started, we ditched the mobile.

 

Those that persisted were given harassment letters and eventually they too stopped.

 

What really annoys me is the attitude of the majority of Creditors/DCA’s believe that the debtor “won’t pay” as opposed to “can’t pay”.

 

You are to be commended for posting on here, but you must understand that the majority of us “debtors” have suffered months (some years) of constant abuse because of circumstances beyond our control.

 

 

 

To be made to feel like the lowest of low is something I would not wish on my worst enemy, hope you understand :)

Link to post
Share on other sites

It's against OFT guidelines for DCAs to induce debtors to take out loans to clear debt. You speak of debtors ignoring letters and phone calls but DCAs ignore letters all the time. It is against the law for DCAs to pursue disputed debts and accounts which have no credit agreements but debt collectors carry on regardless and think they are above the law. If you are polite, you must be unique. Don't expect much empathy on here.

Link to post
Share on other sites

If your "debt" is made up of penalty charges and/or mis-sold PPI plus contractual interest then there is no debt and no reason why you should offer settlement. However if the DCA is happy to refund these to you I am sure you can reach an amicable arrangement.

Link to post
Share on other sites

I am just doing a job, trying to mostly reclaim monies people have borrowed or spent and not repaid back for whatever reason. If these are only "mostly", then what are the other supposed debts that you go after ? Presumably, you also have the correct legal authority that allows you to pursue payments on any amount alleged to be owing as well ?

 

I am very reasonable to everyone I speak to and try to understand that persons situation, yes sometimes means talking to them about getting a loan, naughty, naughty.... but in some cases people are paying out more in the way of repayment then an actual loan will cost, so in this cases I find it helpful to the debtor to advise them of this. Much more helpful to advise them to make a CCA request though... ;)

 

 

:-)

Link to post
Share on other sites

Guest forgottenone

I'm with MZ and P69 on this. TBH, it all sounds like Playschool ie an artificial world, where everything is perfect, everything and everyone does what they are supposed to, and everyone can be fwends again afterwards ... Nothing personal ... except for what we've put up with. I won't even begin to go into those pushed to suicide by the 'nice as pie' DCA's/creditors who use a sledgehammer to crack someone who is suffering with severe illness and it's harming their health bit excessive when said and done, not to mention then becoming more aggressive, more intimidating when said DCA/creditor finds that out about a debtor; not all, but some. Very archaic, very barbaric, inhuman don't you think?

 

Edit - There is no honour in what I've seen some of the very well known, very large, international companies do when pursuing a debt. Also, they do seem to come down harder on people who have very little, would that be because they assume *incorrectly on the whole* it is easier, easier target; will crack easier? So, I see no honour in these kinds of things. In any of it.

 

So, yes you are very brave coming here but you are and will be attempting to justify an industry that ... for some or the majority, it causes untold misery. People become scared, they become terrified when faced with a massive company roaring towards them like a freight train ... and the creditors know this ... as do most of the DCA's. Debtors, on the whole, do what is necessary to contact you, but for the ones who it terrifies into submission or don't know they even had rights that is when it gets worse.

 

:)

Edited by forgottenone
Link to post
Share on other sites

Guest forgottenone

Ah, I see you are ready for a comeback, NSE, looking at the 'currently active users' ... and can't help but notice *on my browser anyway* the five other 'guests' looking in on this *well, it says 12 in my browser are viewing but only five in* ... You may have a promising career, however, in PR with your post. I mean that seriously, though, and that your talents/attributes/skills may be being wasted in your current employment.

 

 

Anyway, have fun but ... well, you are on a forum ... where people get to know about their rights ... and you will get some short shrift from those who have been ... treated inhumanely by ... the majority of DCAs. Also, where you said about talking people into a loan. Erm, someone probably mentioned it, but that would be against OFT guidelines.

 

but in some cases people are paying out more in the way of repayment then an actual loan will cost, so in this cases I find it helpful to the debtor to advise them of this.

 

Oh, BTW, I have been nothing but polite with creditors on the phone - it's my upbringing, what can I say? - but in every instant it has not been reciprocal. Some need to get some form of therapy the way they rage down the phone at you TBH. But that's not you, from what you post, so you don't need to worry. :)

 

Meant what I said about changing career. You seem to be wasted in your present one.

Link to post
Share on other sites

I only speak about potential for people to get loans if I feel it could help them, I never pressure them into getting one and talk through all possible ways of clearing the debt. Most people dont want to be in debt and they want to clear it as soon as possible. For those that obviously cant afford to get a loan to help clear then I talk through other ways of repayment such as a plan etc. For example if somes inc and exp indicates they have £30 left over each month I never ask for £30 (its the way I was trained) for this amount I would ask for £10. Everyone has to live on something! We would review everyone circumstances every 6 month and yes sometimes that means lowering the repayment each month! There is no point in my view asking someone to make a monthly repayment that they cant afford.

 

Ofcourse we try to get people to increase on their repayments but it depends on their circumstances, I have been known just to ask for £1 - £1.50 increase as a small amount does sometimes take months off the amount of time a person will be repaying.

 

Also if I feel a colleaque has been unreasonably harsh to someone, I do make it known and will on most cases take the call over.

 

I also advise lots of people on bank charges, so many havent yet written in to their bank and are thinking on waiting for the end of OFT case. My advise is DONT, do it now!

 

Many years ago I myself was in debt and remember exactly how scary it felt, so I always try to empathise with everyone.

Link to post
Share on other sites

Oh should add again that I speak to about loans etc we are not allowed to tell them to get a loan, if they do and its helpful to them great - if someone tells me they are going for a loan and I dont think they can repay loan I will ask them to recheck their Inc and Exp to make sure they can comfortably afford repayments.

 

I have also refused people offer to pay monthly if for eg. they said they can afford £20 a month and their income and Exp shows only £10. There is no point setting up an agreement which will fail, and cause more stress to the "debtor".

 

Strangley i have had so many thank you letters, cards and written letters after I have "helped" people.

 

I see my job not as "show me the money" but more helping people who really do need it.

Link to post
Share on other sites

It's a shame the woman who just left a message on my phone saying that they will commence court proceedings if I don't ring back by 9.00pm tonight doesn't work with you....

She left it as a message...haha...should come in handy for my counter claim when we go to court and the debt gets booted out for no CCA!!!

 

You need to be carefull though, many DCA's look at these lists and if your bosses see that you are "nice" you may find you are out of a job...:D

:)** Any opinion expressed by me is given with the best intentions - But I could be wrong so bear that in mind**:)

Missed Call Checker - http://whocallsme.com/Phone-Calls.aspx/077/m

Link to post
Share on other sites

Sorry, I think that's a bit rich coming from a debt collector!

 

No way I could get a loan because the debt collectors have slammed me with defaults when I have been in an agreed DMP for years!

 

Tell you something though. I am sure you are the genuine person you say you are. But the debt collection industry has done nothing for me but take a destructive attitude towards me to the point where I was in such a state of depression I did seriously consider 'ending it all' for a while.

 

Anyone who is employed to do that to a person needs to consider a change of career. I know I wouldn't be able to sleep at night if I was making someone's life a misery. Sorry, but shame on you.

Edited by hme.4x4
Link to post
Share on other sites

In most cases the creditors should never have lent people the money in the first place thats the reason we are all the poo right now.

 

and now the likes of yourself and you bosses are making a mint out irresponsible lending, for instance Lloyds TSB gave me a £5000 credit card when I only earned £12,000 per year please tell me that is not iresponsible, they decided the limit not me.

 

It should be the creditors that are held to account not ordinary hard wroking honest decent people who keep this country going, even though it is going to the dogs.

 

 

Link to post
Share on other sites

I think people know where I stand on the law, but there ARE debt collectors who act professionally. Then again, you also get debt collectors that try it on in the most dismal way.

 

I am on the verge of bringing a private prosecution against one set of scalliwags who tried to make out they could bring a statutory demand on a "debt" of £500.

 

The truth is, I agree that calling DCA's can be a good idea, but it is absolutly vital that you record the content of every single call, and know the rules DCA's must abide by.

 

It is NOT the place of a DCA to tell you what you "can afford". that is up to the courts. A DCA's job is to recover the maximum they can from a debtor.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

I would never give a DCA income and expenditure details, as they want as much information from you as possible in order for them to assess what they can sqeeze out of you and to enable them to get charging orders to make it a secured debt, attachement of earning etc with all that information them they can make a decsion whether or not to use the courts or how hard to chase you, not a good idea, we all know what we can afford we do not need to fill out a form to tell us

 

 

Link to post
Share on other sites

I'm not sure of that. Income and expenditures are necessary if you ever want to come to a deal... but using a service such as payplan is useful, because you should never tell them details like what assets you have etc.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

I have found keeping my details to myself is the besy way forward it has worked for me I have just rang up and made an offer they normally accept, the only way I would giove these details was if I had to to a court not to a DCA who would pass the info around willy nilly to all their mates

 

 

Link to post
Share on other sites

Entirely your choice, mate. You certainly have no legal obligation to provide it.

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

Link to post
Share on other sites

I would never give a DCA income and expenditure details

 

The industry-standard way of dealing with debt is to provide all creditors an income/expenditure form and then offer either a pro-rata or token offer based upon what is affordable.

 

I would imagine the creditors would be quicker to go for further action if you were not to, afterall it is VERY easy to look on the land registry to see what is what.

Link to post
Share on other sites

My experince with them is ok offering a token payment, then 3 payments down the line i get letters saying it was only temporary, and my payments are str8 back upto what i couldnt afford, and when i do call they argue that they wont accept a payment offer i could afford, so i dont bother answering the phone anymore, dont need the stress :)

Link to post
Share on other sites

Hi

 

DCA should never leave a message on answerphone or otherwise that could indicate that it is a debt that they are chasing! So the person who has left the message stating they will issue court proceesing has broken the DPA!

 

Keep that message and inform the company that you are reporting them for such an act!

 

Also people if DCA are unusing undue force remember that you allowed to ask for every recording and notes that they have on, so if someone is being nasty just remind them undue force is illiegal as well as making threats, their calls are recorded and you are allowed to ask for all the recordings!

 

Remember it is not in the DCA interest to take you to court as it costs them more!

 

Also if someone is using undue force remember to say you are willing to pay back at the amount you can afford which is (x) amount a month, have back up to prove it.

 

If they still refuse as these people are after more money :( then using a giro slip which hopefully they would have sent you on one if their letters start paying that amount.

 

If you get another call say you are paying what you can afford, have provided inc and exp that state you can only afford that and they have refused. However you want to clear that debt and so will be paying it at that amount and seeking legal advice ;)

 

They should then leave you alone!

 

I have had many people upset on the phone due to previous co treatment. I have always listened and did the best I can to sort out an arrangement.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...