debt collection agencies

[1foxie]

Hi.

We have been paying off our debts through Payplan, a debt management company, for 2 years.

I was reading some threads on here and was suprised, no shocked, to see that debt collection agencies cant actually enforce/pursue a debt, without a true client credit agreement!!

So all i have to do is write to them, and they have to supply this document or i dont have to pay them???

[lickthewallfatboy]

that's about the size of it!!

[1foxie]

Even though i have been paying them for the past 2 years?

What are the chances of them actually having this document though.

The companies are Moorcroft, Reliable Collections, Apex and 1st credit.

Does this work for banks as well as Capital one are still adding interest to an acoount that started off as £200 and is now considerably higher.

[dx100uk]

i would expect very few of the 'usuals' you list to have the docs required.

 

i'd fire off a few CCa's, and then wait the required 12+2 working days.

 

i would not at this stage defer payments to them .

 

there are other interesting outcomes should any DCA fail to have the correct paperwork, like 'can i get my money back' and 'they defaulted me to CRA's'

 

i would be inclined to do so reading.

 

 

the more you read the stronger you become

 

dx

[sploits]

Get the letter from the template letters and send it out with a £1 postal order to each of the companies you are involved with (who you supposedly owe money to).

 

Do not sign the letter and put in big bold letters I DO NOT AKNOWLEDGE ANY DEBT TO YOUR COMPANY

[lickthewallfatboy]

Moorcroft and 1st credit are a joke,and from other threads here,Reliable Collections are neither reliable nor are they able to collect once you know what your rights actually are!!

[1foxie]

Sorry for the question but 'don't sign'? Write my name, but don't sign it....yes?

[lickthewallfatboy]

do it on a PC and just print everything.....

 

and if any of your family or friends are in the same boat,send them over to the site......the more the merrier

[1foxie]

Thankyou sooo much for the help.

Will do the leters today.

I think i see a light at the end of a very foggy tunnel

[1foxie]

Hello again. Just noticed that Reliable collections have 2 addresses one is a po box at the head of there letters and one is a head office address in small print at the bottom, which one should i use?

[1foxie]

Same with moorcroft, 2 addresses

[lickthewallfatboy]

send to the PO box......and send them recorded,then you'll have proof of posting when they deny getting them

[1foxie]

Thankyou very much

[Kraken1]

Ish. Depends on the circumstances.

 

But if you have a manageable payment plan set up, you do owe the debts and there has been no dodgy dealings then I am confident you would not seek to avoid your debts.

 

 

 

Edit... wow...I go for a drink an loads of posts.....I was replying to post 2...

[1foxie]

Kraken1, the dodgy dealings have come from the DCA's surely, trying to collect when they don't have the relevent paperwork to do so!

[lickthewallfatboy]

Kraken1, the dodgy dealings have come from the DCA's surely, trying to collect when they don't have the relevent paperwork to do so!

 

 

precisely,as the House of Lords have also said,but they used a lot more words than you did!

[1foxie]

Oh good, have already started my letters.

[lickthewallfatboy]

you'll find as the weeks and months go by that the amount of knowledge and courage you accumulate will genuinely surprise you,when you look back to today.....

 

people have to understand that DCA's thrive on fear and ignorance of the law,something which is gradually changing.......and they HATE it

[1foxie]

I have to say it was a big shock, that i was not aware of anything that i have read so far.These companies are heartless and unscrupulous, and are operating almost lawlessly.I dread to think affect there letters would have on the meeker people in society.Disgusting!

[1foxie]

Hi all. So have sent all my CCA letters off. Today have had a reply from Moorcroft who say they are actively seeking a CCA and will forward it when they get it, and that my account is on hold.However at the bottom of the letter they say 'Please could you give and indication of the information you will be providing, when giving evidence to the Court or providing information to the relevant statutory authoritios, in relation to the alleged subject matter of the account.'Do i have to answer this?Thankyou.

[lickthewallfatboy]

they're having a laugh

[1foxie]

Well, thats what i thought, its like they want to be fore warned of might i might do!!!

[1foxie]

Of what i might do i meant to type!!!

[lickthewallfatboy]

they're a bunch of chancers,the lot of them

[1foxie]

Als they have sent back the Postal Order on the debt for BT and said that i should read BT's terms and conditions, and should there be any areas that i still feel to be in dispute i should contact them, until that the time the outstanding balance is still due. Does anybody know if BT have a special clause in thier Terms and Conditions, that says they dont need to provide a CCA?