Hello Everyone.

[thedebtcollectorwhocares]

Hi everyone - I'm new to this website.

 

To start with I would like to introduce myself, I must point out that I'm purly here to help and give advice to people who are in debt.

 

I am and have been a debt collector for nearly 5yr's now, I work for one of the largest debt collection agencies in the UK, clearly I cant give my name or the company I work for, but I praise myself on helping the people who I speak to.

 

Clearly in my work there are things that I have to ask people who are in debt. But the difference with me is I care about what I do and I know how stressful it is for people who are in debt.

 

Please dont judge me for what I do for a living, I wouldnt have become a member of this website if I didnt have a positive opinion and want to help people.

 

We are all in debt in some way, I am.

 

If you have any questions please feel free to ask - I will do my best to help anyone out in anyway I can.

 

Thanks for reading this.

 

Regards

 

The Debt Collector Who Cares.

[PriorityOne]

Oh cr*p.. not another one ! You'd be more believeable if you'd registered as "liesandbollox"... lol !

[thedebtcollectorwhocares]

hahaha lol.

 

seriously I'm interested in helping people in any way I can.

 

you wouldnt believe how much trouble I get in for not following the code of practise at work!!!

 

thanks for repaying ooops meant replying anyhow

[PriorityOne]

hahaha lol.

 

seriously I'm interested in helping people in any way I can. Yeah, of course you are....

 

you wouldnt believe how much trouble I get in for not following the code of practise at work!!! Still there though, aren't you ?

 

thanks for repaying ooops meant replying anyhow

 

[thedebtcollectorwhocares]

yes I am still there, we all need to work dont we.

[PriorityOne]

yes I am still there, we all need to work dont we.

 

... which means that you registering on here is a conflict of interests... or were you hoping we'd miss that part ?

 

[yourbank]

Is there something in the water at the moment? Is it the hot weather that is throwing this up?

[thedebtcollectorwhocares]

I wouldnt call it an conflict of interests. I would purly call it an interest.

Obv I know how DCA's work as does everyone and my only interest is to give some advice.

 

And at present I'm in the mid's of starting up a debt advice company that is free of charge.

[PriorityOne]

Yep... wait for it, he's gonna shock us all shortly by saying he advises everyone to make a CCA request, just to make sure his company has any legal rights over their account at all.

 

That's how much he cares... bless !

[MARTIN3030]

Ok Ok....lets give the benefit of doubt until it can be shown or proven otherwise.

The Consumer action group and Bank action group welcomes anyone who can offer input and suggestions that helps users faced with issues concerning their debts.

However we should remember that first and foremost this is a site that was set up to help and get justice for all those at the hands of failings by those who have breached their lawful responsibilities and also their duties.

If you are here to genuinly help those people then you are welcome with open arms.I just ask whether you are agreed as to whether there would be an equal welcome by members here seeking to take an interest in your own collegues websites....such as the debt buying and sellers group ?

[PriorityOne]

Ok Ok....lets give the benefit of doubt until it can be shown or proven otherwise.

 

Tick, tock then....

 

So, do you advise people to make CCA requests then, Mr. Debt Collector ?

[PriorityOne]

A simple Yes or No will do....

[fuzzybobble]

Ok the debt collector who cares.

 

You may have read a few threads around here and seen that many of us have suffered in the hands of the DCA industry. So, be prepared for plenty of suspicion and hostility. If you can cope with that and knowing that you have to prove yourself to be what you claim to be on here.

 

Ok few questions for you.

 

Why do DCA's constantly break OFT guidelines and keep sending demands for payment on an account that has been shown to be in dispute and unenforceable due to the lack of a properly executed agreement?

 

How much does your company pay for a debt that they buy?

 

How much commission do they make on a debt that is assigned to them from the original creditor?

 

On how many accounts do you take legal action on? I've heard it's less than 4%

[Thebhoy]

Well, what can I say, I am touched - (not as touched as these DCA think we all are - I haven't been sitting out in the mid-day sun).

 

Profits and bonuses?

 

A single acknowledgement of 'the' debt!

 

A small - insignificant payment towards a 'stutute barred' debt!

 

then what................

 

the process of harassment / threats starts all over again and where there was little legal right to pursue the alleged debt - some poor debtor is on the slippery slope once more.

 

Being a religious person, I recognise everyones right to worship their own god(s) and with that thought I send the following to all DCA employees...

 

May your god be with you and may he come for you soon.

[PriorityOne]

Well... I've got things to do. The sun is shining and my house needs a vacuum.

 

That should give you enough time to answer my question.... and then justify yourself, as I'm assuming you'll need to.

 

[thedebtcollectorwhocares]

Clearly I cant advise people to make CCA request's as all phone calls are monitored, but I do adv people to speak to the CCCS / CAB in order to gain this info. Clearly there are alot of people who shouldnt be chased for debts and if this is the case the debt gets written off. The company I work for deal with both purchased and commission debt, I personally work more on the commission debts rather than purchased. And when a CCA request comes in it goes direct to the litagtion debt.

I dont beleive in pushing people into a corner to pay there debt, becasue as we all know if you had the money to pay then you wouldnt be in debt.

Thanks for the welcome though!!!

[thedebtcollectorwhocares]

Sorry I didnt relise I had a time limit to reply.

[babybear39]

Methinks the major DCAs want to try and soften their images by placing employees here

 

But, in the spirit of this site, as Martin said, all are welcome. Let's see what you have to say then...

[Thebhoy]

So what about a DCA chasing someone for a debt that IS NOT THEIRS?

 

Threats by letter and telephone.

 

Failure to abide by OFT guidelines.

 

Failure to properly investigate disputed debts.

 

Failure to comply with CSA code of practice.

 

Failure to comply with DPA 1998

 

Is that acceptable IN YOUR OPINION?

 

How would you address a situation like that?

[Guest forgottenone]

I have things to do as well. Cleaning. No, really I have.

 

But this, surely is a contradiction/conflict of interests:

 

I personally work more on the commission debts rather than purchased. And when a CCA request comes in it goes direct to the litagtion debt.

I dont beleive in pushing people into a corner to pay there debt, becasue as we all know if you had the money to pay then you wouldnt be in debt.

Thanks for the welcome though!!!

 

Doesn't that roughly translate as 'target driven?' Therefore, some kind of pressure would be involved ... eg to hit targets ...

 

I also couldn't help notice someone posting last night with the words 'Room 517' ... preliminary checks indicate that is based at the Insolvency Service, Bloomsbury, London. Sorry, my apologies, just thinking out loud.

 

Also, debt advice company that is free of charge? The market may be already cornered on that one. But how, if free to use, would you be getting your income in?

 

Anyway, have fun. I am sure you will, responding to the many, varied questions people will fire at you. I have many myself, but mostly on a more moral side which often gets blurred where DCA's are concerned.

 

Right, off to clean the landing.

[Pinky69]

I posted a link on this site the other day to an article that said DCAs were in financial trouble and their management would have to change their style to survive. I think this appearance of debt collectors - now 2 in 2 days - is part of a softening up approach to get people to pay. Needless to say they are NOT answering any real questions - no surprises there - just trying to portray themselves as good guys in the midst of poo. The Site Administrator says they are welcome if they are here to help but the posters don't want them here - end of - we are not taken in by this nonsense.

[PriorityOne]

Vacuuming done.... Oh dear !.. He's gone....

[mr.ton]

I dont know why everyone seems to have a problem with DCA employees posting on here - infact i encourage it

It gives me & others the chance to swap posts with them (in a none nasty way hopefully) & make them realize that the DCA they work for or any DCA in general has no power or authority over an individual WHATSOEVER.

The most they can do is ask a person to pay - other than that, nothing else unless they go to a county court & most DCA's like to avoid County Courts at all costs of course!

They cant send field agents/bailiffs round as they can be told to go away, plainly & simply - only the County Court bailiffs have the power to enter a persons home.

I am more than happy to explain all that to DCA employees who post on here

[PriorityOne]

I dont know why everyone seems to have a problem with DCA employees posting on here - infact i encourage it

It gives me & others the chance to swap posts with them (in a none nasty way hopefully) & make them realize that the DCA they work for or any DCA in general has no power or authority over an individual WHATSOEVER.

The most they can do is ask a person to pay - other than that, nothing else unless they go to a county court & most DCA's like to avoid County Courts at all costs of course!

They cant send field agents/bailiffs round as they can be told to go away, plainly & simply - only the County Court bailiffs have the power to enter a persons home.

I am more than happy to explain all that to DCA employees who post on here

 

I don't have a problem with them Mr. Ton... but the newbies to this site might just fall for the bollox. Knowing how scarey debt can be when you first start out challenging things, they don't really need debt collecting debt advisors preaching the best way forward, IMO.

 

[Belaflat]

Well I m sure a mod could have a look at the Ip's of mr NSE and the latest kindhearted DCA to ascertain if they are one and the same..thats if the board is configured to do that, should soon find out if this is 2 kind and caring collectors or just another parcel of pooh thrown around by the same person.