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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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      Arnold Clark - Failure to repair damage to infotainment screen

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      good idea take some pix and put them in a PDF read UPLOAD dx
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      IDRWW/J&P - Emirates (HSBC) loan/Card

      By dx100uk · Posted

      thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
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      Lowell/Overdales Claimform - old HSBC Credit Card Debt

      By dx100uk · Posted

      Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Easywayout
      IDRWW/J&P - Emirates (HSBC) loan/Card

      By Easywayout · Posted

      Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Debt Collectors pretending to be bank

Mustard

By Mustard
in Debt Collection Agencies

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Mustard

Mustard

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correct, costs £1 send it by recorded delivery if you get an agreement within the 12+2 days time limit post it up on here for it to be checked out

 

Will do.

 

This place is certainly an eye opener!

 

In the meantime, when they call I just say "everything in writing now please" ?

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Mustard

Mustard

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correct, do not even bother to go through the security questions, really pee's the phone drones off:)

 

:D

 

When they ask what is my date of birth / mothers maiden name I'll just say "I cant remember, can you give me a clue?"

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UnmoderatetheNet

UnmoderatetheNet

Posted
Posted

This is a really interesting thread, maybe a bit off subject but how do HBOS decide which debts get sold to 1st credit and which go to CL Finance?

 

Is it highest bidder or difficulty collecting?

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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hillards

hillards

Posted
Posted
This is a really interesting thread, maybe a bit off subject but how do HBOS decide which debts get sold to 1st credit and which go to CL Finance?

 

Is it highest bidder or difficulty collecting?

Probably something to do with whoever is first to supply a tub of vaseline...

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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hillards

hillards

Posted
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Today is the day they said is "my last chance to pay before legal action" I have just had a text message from them asking me to call.

But you're not going to call of course, and you're not going to talk to them if they call you.

 

For the hell of it, send them the telephone harassment letter as well, telling them in no uncertain terms to correspond in writing only.

 

Then, if they call or text again, they'll have to change the message to "...last chance to pay before illegal action".

 

Over the years there have been many laws passed to prevent minority groups from being insulted and harassed, like Race Relations, Homophobia and many more - maybe debt recovery is the only place left for all the bigots who can't get their kicks in any other way? Lots of shouting and threats, making people feel small and worthless, but when you look at where they stand legally they are the ones often found to be breaking the law.

 

In the same way as there is nothing wrong with the colour of your skin, or sexual orientation, ther's nothing wrong with being in debt, especially when your personal circumstances have forced this upon you. I do disagree with some people mis-using the law just to get out of paying, but we usually find on CAG that the people needing help are those who have been forced into a corner by the DCA's. Once you find out the true story of how the DCA's operate you tend not to be as willing to co-operate with their demands, we need to appreciate that they are just bullies...

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Mustard

Mustard

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But you're not going to call of course, and you're not going to talk to them if they call you.

 

For the hell of it, send them the telephone harassment letter as well, telling them in no uncertain terms to correspond in writing only.

 

Then, if they call or text again, they'll have to change the message to "...last chance to pay before illegal action".

 

Over the years there have been many laws passed to prevent minority groups from being insulted and harassed, like Race Relations, Homophobia and many more - maybe debt recovery is the only place left for all the bigots who can't get their kicks in any other way? Lots of shouting and threats, making people feel small and worthless, but when you look at where they stand legally they are the ones often found to be breaking the law.

 

In the same way as there is nothing wrong with the colour of your skin, or sexual orientation, ther's nothing wrong with being in debt, especially when your personal circumstances have forced this upon you. I do disagree with some people mis-using the law just to get out of paying, but we usually find on CAG that the people needing help are those who have been forced into a corner by the DCA's. Once you find out the true story of how the DCA's operate you tend not to be as willing to co-operate with their demands, we need to appreciate that they are just bullies...

 

:) They will have my CCA letter by now too

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UnmoderatetheNet

UnmoderatetheNet

Posted
Posted
Today is the day they said is "my last chance to pay before legal action" I have just had a text message from them asking me to call.

 

:evil:

 

Send a text back saying 'Last chance to send CCA before I stop paying'

We live in an unmoderated country why should the net be any different?

Bring back free speech we miss it!

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blueboy987

blueboy987

Posted
Posted
They are saying that they are preparing to take me to court to put a charge on my house, and make me bankrupt? :eek:

 

Have a good read through the forums here so you can get a good understanding of the tactics that DCA's use to get you to pay them. I remember a phone call with them at least two years ago....

 

Them : Pay us in full.

Me : I can't I don't have any money.

Them : We'll take you to court and they'll force you to pay.

Me : They can't I don't have any money.

Them : We'll get the court to send a bailiff round to take all your possessions.

Me : Go ahead there's nothing left I've sold it all on ebay.

Them : We'll go to the courts to repossess your house.

Me : Go ahead I'm in negative equity so you'll be doing me a favour.

Them : We'll file a bankruptcy claim.

Me : Go ahead I'm already technically bankrupt and you'll save me the cost of doing it myself.

 

They did eventually take it to court, just before Christmas so it took them over two years from that phone call, which I'm now fighting and am currently in a pretty strong position due to them being bunch of morons and being unable to file the court claim properly.

 

Follow the advice on the forums and you'll sort it out, if you're worrying or panicking then don't - that is exactly what they want you to do.

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Mustard

Mustard

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Suprise Suprise they called me Saturday morning.

 

Conversation went like this

 

1st C - "hello is that Mr Mustard?"

Me - "yes it is"

1st C - "This is 1st Credit, re your Halifax Account"

Me - "Im doing everything by post now, you should of recieved my CCA request letter"

1st C - "Yes thats why we are callling"

Me - "I assumed you would of recieved it this morning"

1st C - "I would like to discuss that with you"

(taken through security questions)

 

Basically they said that once the CCA has been sent I am then liable for the FULL AMOUNT without fail :mad:

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hillards

hillards

Posted
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...they called me Saturday morning.

1st C - "hello is that Mr Mustard?"

(taken through security questions)

Basically they said that once the CCA has been sent I am then liable for the FULL AMOUNT without fail :mad:

That's the first rule of CAG broken - DO NOT speak with these people on the phone, insist everything is in writing. This protects you from them making spurious remarks on your computer file at their end - for all you know they could now have your 'full agreement' to pay up on their system, and can you prove otherwise?

Once you've gone through 'security' they can confirm they spoke to you. If you're going to do 'everything by post' thern stick to that rule.

 

...they said that once the CCA has been sent I am then liable for the FULL AMOUNT without fail...

Usual uninformed trash - IF they can produce a CCA, and it's valid, they may ask you to consider payment. If the CCA is unenforceable then you tell them so, if they miss the deadline for providing the document, tell them so.

 

At the end of all this, presuming they could find a legally binding document, you do not have to jump because they say so. They still don't have any power to foce you to do anything, unless it goes through a court. That's the only time you listen to someone telling you what to pay and when, not because some threat monkey at FC says so.

 

Remember who started the agressive behaviour in dealing with this.

Be good to those who give you advice that helps - click the star to give them your thanks by way of a reputation credit.

 

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Mustard

Mustard

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correct, costs £1 send it by recorded delivery if you get an agreement within the 12+2 days time limit post it up on here for it to be checked out

 

Hi all.

 

Well the 12 + 2 time limit has past and no sign of the agreement?

 

What now?!? :?

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ODC

ODC

Posted
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Sit back and do nothing. They are in LEGAL DEFAULT of your CCA request and should cease all collection activity. If they telephone you or send any more begging letters then let us know and we will give you a suitable BOGOFF letter for them.

 

Their behaviour to date has been completely against all the rules even though their leader regularly spouts on that his threat monkeys abide by the rules. Total hoqwash of course but I suppose he is of the Josef Goebbels school of thought that if you repeat a lie often enough people will beieve it.

 

They may pass this alleged debt on to their paramilitary wing CONnaught.

 

NEVER SPEAK TO A DCA OTHER THAN THROUGH A MEDIUM

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Mustard

Mustard

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..

 

They may pass this alleged debt on to their paramilitary wing CONnaught.

 

 

NEVER SPEAK TO A DCA OTHER THAN THROUGH A MEDIUM

 

What? There is someone worse than the current lot?! :eek:

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ODC

ODC

Posted
Posted

Worst Credit use their closely related buddies CONnaught Collections to do their dirty work. CONnaught are well known for their frivolus use of the Statutory Demand System. They are as reputable as Worst Credit

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Mustard

Mustard

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Worst Credit use their closely related buddies CONnaught Collections to do their dirty work. CONnaught are well known for their frivolus use of the Statutory Demand System. They are as reputable as Worst Credit

 

So then what happens? Does this whole thing start all over again like pass the parcel with the alleged debt??

 

What is the normal outcome to these situations, do they have to right it off because they dont have the legal power to do anything?

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ODC

ODC

Posted
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If 1st Credit do not comply with your Legal request for a CCA within 12 working days they become in DEFAULT and as such should not pass the alleged debt on or take any collection activity with regard to it. Sit tight until you hear from them

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Mustard

Mustard

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If 1st Credit do not comply with your Legal request for a CCA within 12 working days they become in DEFAULT and as such should not pass the alleged debt on or take any collection activity with regard to it. Sit tight until you hear from them

 

The 12 working day deadline passed last week, and still no sign of the CCA

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Agent Mulder

Agent Mulder

Posted
Posted
It happens so often that they will claim it is normal practise for the DCA's to do this :mad:

 

Then again, the whole process could do with testing out properly - it it legal for a DCA to issue paperwork on behalf of their 'client'? Is the bank still their client, even though they have bought the account details? If a court was to decide that the original creditor was no longer responsible for the account as soon as the debt was sold on, would they then be liable to send a letter of assignment anyway?

 

Chicken and egg, they either abide by the cut-off point, as soon as the debt is sold, or carry out the final act of sending the letter. I'm unsure how this stands in law but, as I originally said, the DCA's consider it part of them taking an account on to send the letter with their introduction.

 

Even if someone got this type of thing to court as fraud, it's going to be difficult to recall the thousands of similar letters already issued. I mean, all those DCA's without a leg to stand on... :rolleyes:

 

An assignee steps into the shoes of the assignor and assumes all rights under the original contract. DCAs often state that they are collecting a debt on behalf of a client, therefore implying that an agency exists.

 

If the former applies, the DCA cannot pretend, for want of a better word, to be the bank or company that was a party to the original agreement. The debt "belongs" to the DCA as all of the rights of the original party have been extinguished.

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Mustard

Mustard

Posted
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Update -

 

The DCA just called me and said that "they cannot find a copy of the CCA " the money I sent them for the CCA will not be refunded and that its just as much my responsabilty to keep a copy

 

This actually becoming a farce.

 

Any thoughts and comments welcome

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