DLC are informing Social Workers-please help

[mr.ton]

I'm in my mid-20's and when I was growing up my parents struggled with Debts and we didn't have much money and we didn't always have the nicest or newest things.... but I can tell you something for nothing; I was far far far happier than many of my school pals, many of which were bought anything they wanted... but the one thing they were not given was the love and attention of their parents; something that I had in abundance!!

 

I grew up in a family that had very little, but that was irrelevant because i was surrounded by so much love etc...that i consider myself very lucky in terms of what sort of childhood i had.

You read some stories about kids who have terrible childhoods, full of hatred & abuse etc....

Money is irrelevant - i would choose a loving childhood anyday

[Honeypot]

I cant stop crying with all the kind replies Im getting x

 

I started crying on the phone and dont remember getting a name of anyone. I am so stupid. I just panicked.

 

Vicky

xxxx

[mr.ton]

Direct Legal & Collections

[angry cat]

This is quite disgraceful. In my view, this is a breach of CPUTR, OFT Guidance and I think it also amounts to harassment, because it is behaviour clearly designed to create an intimidating atmosphere.

 

Honeypot - you must report this appalling behaviour, and you must do it at once.

 

I would be very happy to draft some letters to the appropriate people. Please let me know if you would like help with this.

 

In the meantime, do not, in any circumstances, speak to DLC on the phone.

 

Before you forget, write down as much detail of the call as you can - the time, if the caller gave a name, exactly what was said.

 

Totally agree SP!

 

This is a blantant breach of the CPUTR's; an utter disgrace.

 

Definately REPORT THEM;

Do it ASAP

 

AC

[Honeypot]

Hi AC

 

I am in shock too. I have the SAR in my handbag to post as you recommended yesterday.

 

Is there anypoint now that they ahve told me that they are taking me to court. Its all happened so quick.

 

Vicky

xxxx

[mr.ton]

I cant stop crying with all the kind replies Im getting x

 

I started crying on the phone and dont remember getting a name of anyone. I am so stupid. I just panicked.

 

Vicky

xxxx

 

If you feel brave enough (and although we would normally advise not to), i would ring back & demand to speak to a manager about your treatment.

If you did, you would have to stand your ground with them though as they will try any trick in the book to just get you to just pay there & then & may even say worse things?

If you can easily rise above that...then go for it & be persistant until you get the apology you deserve

Just a suggestion hun..you dont have to if you dont wish to.......

[UnitedFront]

I cant stop crying with all the kind replies Im getting x

 

I started crying on the phone and dont remember getting a name of anyone. I am so stupid. I just panicked.

 

Vicky

xxxx

 

You're not stupid at all, Vicky!! These cretinous thugs are highly skilled in the art of scaring, threatening, harrassing, intimidating and upsetting people!!

 

Trust me, given a few weeks here at the CAG and you will be fighting fit and ready and willing to bat back their feeble pathetic threats and tell them exactly what is what!!

 

You will be suprised how strong you really are and even more suprised when you actually start getting a naughty thrill out of annoying these horrible DCA's!!

 

Chin up, you are without doubt in the right place here at the CAG amoungst friends and equals!!

 

UF

[UnitedFront]

Hi AC

 

I am in shock too. I have the SAR in my handbag to post as you recommended yesterday.

 

Is there anypoint now that they ahve told me that they are taking me to court. Its all happened so quick.

 

Vicky

xxxx

 

Having seen of DLC many many times in the past I would say these threats are almost certainly bullplop!! So you go get that SAR off asap and then come back and see Mr.Ton for complaints help etc

[mr.ton]

Needless to say that if that was said to me (or most other caggers on here)....i would make their life hell on the phone for the rest of that day & for weeks afterwards in general

[UnitedFront]

I grew up in a family that had very little, but that was irrelevant because i was surrounded by so much love etc...that i consider myself very lucky in terms of what sort of childhood i had.

You read some stories about kids who have terrible childhoods, full of hatred & abuse etc....

Money is irrelevant - i would choose a loving childhood anyday

 

 

Spot on Mr T!! I couldn't agree with you more!! This is why I love this place so much, we can all sing from the same sheet without judgement!!

[mr.ton]

I started crying on the phone and dont remember getting a name of anyone. I am so stupid. I just panicked.

 

The threat monkey you spoke to proberbly got a buzz out of hearing you cry & said to their collegues "hey come and listen to this".

They are sadistic & are the type that took pleasure out of pulling the legs off insects when they were young

[JonCris]

The support on here is awe inspiring xxxx

I am going to complain. Is there any templates for this complaint?

 

JonChris-when you next speak to your friend who is a solicitor please can you ask if it is law that social services cant take my kids because of my debt

 

Bless you all

 

Vicky

xxxx

 

xxxx

 

Are you feeding them

Are you clothing them as best you can

Do they attend school

I assume you love them & are not beating them

 

If so there is absolutely no reason for SS to become involved & even then it would probably be to help you

 

I have spoken about this thread to the female solicitor in question so you may find a guest visiting here cos I know she's spitting teeth

[Abby25]

I am absolutely furious, and I mean FURIOUS about this ..... !!!!!

 

My MIL was a senior social worker, and I can assure you, a child is only removed from their home and parents/guardian as a last resort .. and is quantified to the child protection courts by this ...

 

THAT TO LEAVE THE CHILD IN THEIR PRESENT ENVIROMENT THEY WOULD BE AT DANGER, EITHER PHYSICALLY (which can include well being through neglect), MENTALLY OR BOTH .....

 

Now ok you're in debt, like millions of others, but unless you aren't feeding, clothing, washing or generally caring for your babes then where is the neglect or mis-treatment evidenced from purely being in debt - this isn't mis-treatment I assure you. And a threat of reporting you to social services because you can't repay a DCA or lender, what they want you to, on an unsecured debt is just ludicrious .... and I am sure SS would take action against them for wasting precious resources such as theirs when there of 1000s of children ARE in danger .......

 

I am so angry I could scream, and my MIL has assured me that their threats are both ridiculious and more so totally disgusting .... I don't know what else to say to try and reassure you ... but I would suggest contacting your MP - go to their weekly surgery and tell them exactly what has happened. (if you go on to your local council website, there is a list of MPs, you'll be able to find your own, and it should give you the office address, and where and when they hold their weekly surgery.

 

Please, please, take the advice of the great and good on here who have already posted for you, and DO NOT SPEAK TO THEM EVER AGAIN. IF YOU DO ANSWER TO THEM, SIMPLY SAY " I AM NOT PREPARED TO CONFIRM SECURITY, PLEASE CONTACT ME IN WRITING, GOODBYE". AND REPEAT, AND REPEAT EVERY TIME THEY CATCH YOU.

 

I have my phone on silent ring, and just listen to any msgs left on 1471, log them and delete them - they've now stopped. My loved ones call me on my mobile, so thats how I screen my calls.

 

Oooooh .... I'm going to have to cut (hack!) my hedge now to get rid of some of my anger caused by this **** ...

 

Abs :mad::mad:xxx

[clemma]

On the phone to them now.....so ANGRY!!

[mr.ton]

They can ring me anytime, anyday - my phone will be ready & waiting

[Enron]

As stated beforehand in this post, try not to worry too much, DCAs will normally say anything to extract money out of people regardless of whether they are breaking the law and regulations.

 

The DCA industry really needs much stronger regulation, the fact that breach of law and regulations is common place shows that this area of business out of control. But then again look at what happened with the banks, not enough regulations and we have a recession.

 

Its very unlikely anything will happen, they normally threaten court action again as an intimidation tactic to get money out of people. And in the extremely unlikely case that something was to happen you have lots of people here to help you, a judge would likely take your circumstances into account and lower your payments to next to nothing if it went to court - which would not be in the interest of the original creditor or DCA.

 

I would be tempted to make a complaint to the police regarding this, and get a reference number so you can refer back to it in the meantime.

 

Also don't speak to them on the phone, refuse to answer their data protection act questions and say you'll only deal with this matter in writing as you have no interest in communicating with them over the phone.

[JonCris]

Send a SAR NOW demanding all the info screen shots etc plus a copy of the recording of the call - which they keep for "training & security purposes"

[Honeypot]

Thank you

 

They are healthy and happy!

 

My 11 year old has just got all top grades in her SAT exams at school and my 5 year old, well all she talks about is growing up and becoming the Queen !!!

 

 

Vicky

xxxx

[Alphageek]

Hi Honeypot, I'm sure you don't need any more support as some good people are already helping you out, but I will just add that about 101% of things a DCA says on the phone will be a lie.

 

As someone mentioned above, you'll be laughing at them in a couple of weeks. Keep you chin up

[mr.ton]

Direct Legal & Collections

 

All the contact details here folks

[angry cat]

Hi AC

 

I am in shock too. I have the SAR in my handbag to post as you recommended yesterday.

 

Is there anypoint now that they ahve told me that they are taking me to court. Its all happened so quick.

 

Vicky

xxxx

 

Right, do not panic!

 

I have had dealings with DLC myself and ended up reporting them to the OFT.

 

DLC are bullies and they tend to pick on what they think, are the weaker more vulnerable consumers.

Unfortunately, for them you are a cagger with an army of helpers at your side!

 

You have got to be strong with this;

take a deep breath and compose yourself.

 

It is quite understandable to become over emotional, that is only human.

But, you have got to detach yourself from your emotions and fight this low-life DCA firm.

 

What DLC have done is an outrgae and totally despicable, in fact I don't think that I have ever heard of a case that is so bad.

 

And Yes, there is a point in fighting them; we are all here right beside you:)

 

Right Guys, this is Honeypot's original thread, you will see that there is quite a lot to work on:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/206575-help-egg-please.html

 

AC

x

[sleepingdog]

Hey honeypot, i'm not to ashamed to admit I'm also crying reading all of the posts. ( and i'm a man)

sleepingdog

[stardust_john]

Both intrum justitia and outstanding services did the same to me, I was worried sick arguing as long as I could afford food, priority how would it mean they stick their noses in with social services. I eventually stopped paying them and they have not got back in touch for nearly two years now on those particular accounts.

 

Dont let them get you down:) They are sc*m:mad:

[clemma]

Well, has been a while since I spoke to a DCA - but these are idiots! Spoke to a Mrs Bloxham (who has kindly provided me with her direct number)......lovely woman . She insists that none of her staff would do this (whatever!!) - anyhow, she promises (haha) that no telephone calls are ever deleted, and if you send a SAR you will get the recording of the telephone call - I wouldn't hold my breath though. I might SAR them just to get the recording of my call to them! B@st@rds.

 

If I had your reference number Honeypot, I would have taken it further........

 

Above all - don't panic

 

Ooops - should mention that I told her about the breach of DPA if they did in fact tell anyone about the situation......including me.

[Honeypot]

Right I am going to speak to them now for the last time ever to make a complaint. Then I am going to never answer the phone to them.

 

I have a picture of my girls in my hand for strength and all your replies on my computer.

 

I will let you know what they say to me.

 

Vicky

xxxx