Which DCA drove you to CAG

[ODC]

NCO and AIC two DCA's in one week. I'm surprised that these two aren't on your hit list, given that "NCO Keep Calling"!

Unfortunately the Poll only allows 10 choices.

[Allwood]

Thames Credit was very persistent followed by BCW collecting on their behalf and then Scottcall.

[Emma Royd]

a combination of cap1/debitas, barclaycard/mercers, A&L(mbna) and Co-op. I was getting bombarded with phone calls up to 12 hours a day, 7 days a week from one or another of them. phone calls have almost stopped after receiving the brilliant advice on here. I say almost...still getting the odd one from Debitas...and now Frederick International

 

Emma Royd

xx

[overdone]

Which DCA drove you to CAG?

 

Connaughts. Had never heard of them before or a Statutory Demand. I searched Google to find Connaughts web site and up came a thread from c.a.g about complaints made against Connaughts. Naturally I investigated and spent about 30 hours reading before starting my own thread which now ranks highly on Google. 1st Credit, Debt managers, A.I.C, and Link Financial are my pet hates in that order. The others seem a pushover but that is thanks to C.A.G.

Edited September 22, 2008 by overdone

[cymruambyth]

1stCredit made me a wreck; they are typical bullies who throw their weight around but go quiet when challenged. After many years of believing everyone their actions turned me into a harridan from CAG:D

[huggys boss]

The really nice people from Rossendales Bailiffs drove me here, and for that I will be eternally thankful to them. I don't think they will be thanking the good people of the CAG though, they have had to repay me £104 in so-called standing order payment fees. Without you guys, I would never have known my rights. I am facing all my financial problems head on now.

[maroondevo52]

Cabot, just can't shake them off

[Goldlady]

I voted Ruthbridge cos I remember them being the nastiest of them all, but Lowells have to come a close second. All gone now - thanks to the fantastic people on here. Others pass by occasionally but I am totally immune to their ridiculous threats now, and totally committed to the downfall of these blood suckers who will not believe that you genuinely have fallen on hard times.

[Gazza112]

Mercers was the one that thankfully brought me to this Fab forum a few weeks ago.

Given me the will to fight them all the way to the Courts and hopefully win.

 

Gaz

[Mrs_Ryan]

1st Credit.... but thanks to CAG I wiped the floor with them!

 

I have since wiped the floor with Moorcroft and Debt Managers for my mate... I've now started on Reliable (cough) Collections also for my mate....

 

my floor is now v.v.v.v.v clean

[dannyboy660]

"We have the best tracing department in the business, they have access to all kinds of records and databases. They are as accurate in their tracing methods as the Police. We don't make mistakes of this nature, and you WILL be paying this debt or you will lose your house, and probably your job too....."

 

...I was told by Lowell shortly before they admitted to TS/OFT, who were acting on my behalf, that there had been a dreadful mistake......

 

I never did get a full explanation, or an apology.

[ODC]

Even if you had been the correct person Dannyboy the debt they were trying to chase was probably Statute Barred anyway.

[stardust_john]

EOS who phoned me and told me they were going to chase me for my whole life and call social services/take my kids as I was not coping with my bills. They also told me one month when I explained panicked that I couldnt pay my other account because I didnt have a paying in book, they told me to pay double to the one I had the book and they would sort it out, then proudly told me the following month when I was being chased by another dca, that they had passed on the acccount and laughed I volunteered a double payment that month to them only. Low down sc*m from my experiences.

[MONX]

Well the Reigate Robbers (first credit) were my bete noir, I got a SD from them on behalf of Con - nought, but not to worry it was a very expensive bluff on thier behalf because I have just received an nice cheque for my costs! Hahahahahah!

[PGH7447]

None I came here to learn how to reclaim bank charges then noticed all the good work against the pondlife and realised I had lsuffered years of grief when I read about these ****, so the fight back began against

 

in no particular order of nastiness:

 

moorcroft - now out of my life:D

Mercers - gone quiet:)

Westcot - now out of my life:D

Aktivekrap - gone very quiet:)

Rockwell - now out of my life:D

Idiots and Jokers - useless bunch:D

capquest - now out of my life:D

1st crapit - now out of my life:D

Equidebt - gone quiet:)

Metropolitan collections - long gone:D

 

still waiting for lowels and the like to buy up the ones I have seen off

[suz7]

I found my way here via MSE and it was Moorcroft that started it - followed by APEX/BCW.

[dannyboy660]

Even if you had been the correct person Dannyboy the debt they were trying to chase was probably Statute Barred anyway.

 

That's very true ODC.

 

Those were my pre CAG days and if I had known then what I know now, I could have really had some fun with them.

[mightypotters01]

Link were chasing me. Used to phone at stupid times ie Sunday afternoons and Sunday evening. After a few letters from this great site they seem to have crawled back under there stone.:grin:

[vicky26]

Crapquest need I say more!!

[spamheed]

1st Credit and their chms LCS got a CCJ against me, I was given duff advice and no mention of a CCA request. I had been paying Moorcroft happily (ignorance is bliss) and it was only when they started to make aggressive calls demanding stupid amounts of money that I did a search.

 

Moorcroft have long since gone forth along with Fredricksons and a host of other psuedo solicitors and wannabe gangsters. I am eternally grateful for the education I have gained from my own experiences and the help and advice from those on this site.

 

I love the phrase no CCA = No enforceable debt, if only I'd found CAG a little earlier.

[NORNIRONGIRL08]

Mackenzie Hall was the first DCA Id ever heard of or encountered

[moveing on]

apex sent me here after i offered a good payment to them would have seen it payed back in 6mth but wanted over 3 mths still waiting for the cca but since then they have passed it onto another dca they are looking into it not heared anything for mths and not worried anymore since comeing to cag

[Mockenrue]

Cap Quest. It was after one of their bullies suggested that I borrow several hundred pounds from a friend to prevent them taking court action that I finally snapped and started wondering if there were any forums out there where people discussed this type of activity. One quick Google search later and I was on the path to enlightenment. I dread to think where I might be now had I not found CAG.

[dannyboy660]

Cap Quest. It was after one of their bullies suggested that I borrow several hundred pounds from a friend to prevent them taking court action that I finally snapped and started wondering if there were any forums out there where people discussed this type of activity. One quick Google search later and I was on the path to enlightenment. I dread to think where I might be now had I not found CAG.

 

 

That's hit the nail on the head.

 

The one recurring theme on the threads in this forum is it's the threats, lies and bullying of DCA's that causes people to say 'enough is enough' and start fighting back.

It's a by-product of their unshakeable belief that anyone who comes into contact with a DCA must be a WON'T pay, rather than a CAN'T pay.

The days when lenders only sold or 'hired' out the accounts of 'difficult' customers has long gone - as we all know because it's in the news everyday.

 

There's not much doubt that some, if not many of these 'Financial Services' companies are going to go down the tubes over the next couple of years as more institutions will be minded to keep collections in-house and save every penny they can and/or go for an early CCJ.

 

If the bank charges case goes in favour of the consumer, it will get huge publicity and then several of these 'Service' companies are likely to find themselves sitting on top of a huge pile of worthless accounts.

 

I wonder how many ex-'phone monkeys will end up here???

[Multay]

Wescot for me....