being called by DCA what to do?

[shabz25]

Hi,

I am being contacted by several DCA's about my credit card debts. I requested CCA's from the credit card companies but all but 3 supplied what they say are CCa's but infact are Applications for credit. All the others have not sent me the executed CCA's. My question is what do i do about the calls, they have just started comming once i sent account in dispute letters to all creditors. Do i answer the calls or ignore them. Do i send for a SAR or just sit back.

[fuzzybobble]

If you have a BT line you can use "Choose to Refuse" then for a small fee added to your phone bill, you can block their numbers.

 

If one does get through, just say, "I will only communicate with you in writing." Then put the phone down.

 

Also send them the harassment by telephone letter that's in the templates library. I've found it works better if you head the letter in bold type. "FORMAL COMPLAINT"

 

Then the DCA drone who opens it, is in no doubt they have to put it in the complaints pile for someone higher up to deal with.

[GamekeeperToPoacher]

I answer them in French or Hungarian or if I am looking to annoy them when they ask to confirm my date of birth I say ok tell me what it is and I will then confirm whether you have it correct.

Then they bluster that I must call the bank and I tell them they cannot tell me what I must or must not do.

At that point they give up.

 

Now you may consider winding them up a waste of time but while you are wasting their time they can't call someone else.

 

GKTP

[cerberusalert]

Have you sent the 'In Dispute' letters? Letter #7 for those who sent applications, letter #18 for those who haven't provided the CCA.

The Consumer Forums - Debt collectors

[shabz25]

I didn't send the letters you have said only the in dispute letter, i will send them the letters you have indicated. I am concerned that although alot of people on this site state that an agreement is not enforceable if there is no CCa but having a look at the legal issues threads alot of people have said that the judge has ruled against them dispute not agreement being shown in court. If the law states that an agreement must be available them why are these judges disobeying the law and why is no one contesting their judgement.

[dx100uk]

it depends if you contest it & appear & also the age.

from about 2007, most cca's are generally deemed to be correct.

 

but i wouldn't worry , it will take an awful lot of work to take you to court, and dca's very rarely succeed.

the oc might get away with no cca but a dca willl not.

 

dx

[zazen.warrior]

Get caller display, the service is free but you will need a phone with a display, these can be picked up quite cheaply if you don't already have one, then all it takes is a glance at the display and ignore

 

You will find they get very sneaky, I use chose to refuse, and anonymous call reject to but some numbers still get through the 'unknown' and the 'International' but a combination of these three, or just the first will ensure you never have to speak to them again.

[GamekeeperToPoacher]

Get a Pay as You Go mobile - If they want to speak to you Make em pay!

[Redletter]

it depends if you contest it & appear & also the age.

from about 2007, most cca's are generally deemed to be correct.

 

but i wouldn't worry , it will take an awful lot of work to take you to court, and dca's very rarely succeed.

the oc might get away with no cca but a dca willl not.

 

dx

 

Can I just ask...you say from 2007 most CCA's are deemed to be correct. I have some credit cards which were applied for in late 2006. Up until now I have held the belief that if an agreement was post April 2006 then you cannot challenge it?? What exactly changed when the CCA 2006 was applied??

Thanks:?

[dx100uk]

you can challenge any cca

but i read on here one of the more clued-up members stating from about 2007 certain things changed which tightened up some loopholes.

 

dx

[GamekeeperToPoacher]

My understanding is that a section of the CCA was repealed from April 2007.

 

The necessity to be able to supply a true copy was no longer needed.

 

I may be wrong and no doubt someone more knowledgeable will be along shortly

 

GKTP

[deathbycrayons]

With regards to the phonecalls, if you have caller ID, just do what I do and answer the phone as if they've got through to Ofcom. Say: "Hello thank you for calling Ofcom telephone harrassment advisory team, my name is *insert made up name here* are you calling to make a complaint about harrassment?"

It works a treat. I don't know if it's really allowed but it's always worked wonders for me. Of course, send the harrassment warning letters. But a lot of DCA's will still keep phoning for a while.

[Bill Shidding]

Hi,

Section 127(3 to 5) was repealed. I believe the date was 1st October 2008.

There were many changes which affect the "older thread" defences.

Not the least of which allows creditors to claim "arrears" without many hindrances.

 

Bill

[GamekeeperToPoacher]

There I told you someone would be along LOL

 

BTW I love the Ofcom answer - now waiting for a call!!

 

GKTP

[deathbycrayons]

There I told you someone would be along LOL

 

BTW I love the Ofcom answer - now waiting for a call!!

 

GKTP

 

[Redletter]

LOL thanks to all!

[sillygirl1]

I answered the phone saying 'Ayatakadai'... which is a Japanese weaving loom... and the person the other end said 'Please don't swear at me'. I said 'Suimemasen' (excuse me in Japanese) and they put the phone down. As they didn't immediately call back on my mobile I knew it was a DCA...