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ways of paying debt collection agencys


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hello all just a short question

moorcroft and scotcall sent me payment books i ask for standing order details but was told they dont accept standing order as payment method anymore only direct debit which i dont wanna set up ,does anyone else set up a standing order with these guys

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Complain to TS and the OFT for them limiting your rights as a consumer. They can accept SO, what a load of BULL!

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BB 13 - DCAs/banks and solicitors 0.

 

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The Office of Fair Trading: Contact us

 

Consumer Direct If you complain to these they will automatically forward your complaint onto your local Trading Standards:D

 

The Office of Fair Trading: Debt collection practices

 

have a read through the OFT's own guidance on debt collection.

 

Don't set up a DD with the clowns, if you want to pay using SO then all you need is their bank details, account no, and sort code, then just set up the SO anyway.:D

 

Apart from that, have you made certain that they can legally collect your money?

I'm not saying you don't have debts which need paying, but have they been given the legal rights to collect money from you?

Have you seen a notice of assignment, default notice, credit agreement etc etc?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Doesn't the payment book have the bank details in?

Have you CCAd them to see if the debt is enforceable or not?

 

DG

I have no legal training my knowledge comes from my personal life experiences

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you can use the credit acc no and sort code and your refernce number from the pay in books to set up a standng order at your end or make one off monthly online banking payments to them

 

ida x

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Complain to TS and the OFT for them limiting your rights as a consumer. They can accept SO, what a load of BULL!

 

not so sure that this wouldn't be a waste of time unless you can cite what it is they've actually done wrong. 'limiting your rights as a consumer' seems a tad intangible to me.

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It's in breach of the CPUTR 2008.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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hi all the debts are old mobile accounts and bt virgin media so i have to pay them ,just costing me a lot with the pay in books (charge 2.40 per book )on the pay slips a credit account number and ref so all the detail are not on it , i will send another letter to both agencys to see if they offer their account info .

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moorcrap tried the book thing with me so I sent the entire book back (postage free to me) and told them no account details no pay, so the passed the debt off to another scummy company, who failed miserably to enforce said alledged debt;)

PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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cca and a £1 postal more me thinks

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

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Misleading actions

 

5.—(1) A commercial practice is a misleading action if it satisfies the conditions in either paragraph (2) or paragraph (3).

(2) A commercial practice satisfies the conditions of this paragraph—

(a) if it contains false information and is therefore untruthful in relation to any of the matters in paragraph (4) or if it or its overall presentation in any way deceives or is likely to deceive the average consumer in relation to any of the matters in that paragraph, even if the information is factually correct; and

(b) it causes or is likely to cause the average consumer to take a transactional decision he would not have taken otherwise.

 

 

The Consumer Protection from Unfair Trading Regulations 2008 No.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Thanks BB :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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If the mobile pphone accounts include 'late payment fees' or 'termination' fees you should claim them back. Are you sure they are not both collecting the same account? Moorcroft and Scotcall are part of the same group (which includes Robinson Way) and frequently pass debts amongst (or is it between) themselves. Scotcall are not woth paying one penny to as they are not 'bailiffs' nor 'licenced legal practitioners' as I was once told.

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sorry.... it was an attempt at explaining it, but it doesn't wash. ;)

 

The cputr quoted would only apply if the misleading omission (which I'm not sure this really is as their choice how they accept payment, if at all) caused the consumer to make a transactional decision that they would not have otherwise have done. In this case therefore as there is no transactional decision it doesn't apply, in fact, quite the opposite - at most it prevents a payment. You need to show both to have a cause of action.

 

Before we deal with the fact that it causes a different type of transactional decision, I don't accept this either. It is the same result through different methods and I doubt that the powers that be will mandate methods of payments, especially if such is a standing order which has other administrative costs attached to it for the business.

 

I really am all for complaining to the oft etc, but we really need to be clear why we are complaining. Just because we don't like something is not a reason not to complain but I think we need to be honest and simply say that we don't like a certain practice, and not try and dress it up in law that doesn't apply. the law does not make everything that is unpalatable unacceptable.

 

The only argument here is if the payment method given means that you have no choice other than to accept some sort of transaction fee or surcharge, but even here the regulators haven't had much luck with ryan air etc, have they? The other route to take would be if the original loan allowed or mandated SO payment. If the original loan dictated DD payment this is what you are likely to be stuck with, subject to the whims of the creditor accepting something different.

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hi thanks sillygirl1 for that bit of info as i have 2 bt debts and 2 orange mobile debts with moorcroft and scotcall take one of each debt quite confusing when trying to sort out , on the cca reqests mobiles and bt etc are not covered is that right ,only mobile account with whack me with extra charges was orange with 2 debts at 195 and 105 now are 485 and 385 ,i was told by scotcall that nco put the charges on the 2 accounts ,anyway this morning had a call from scotcall regarding payment and i said i would pay by p/o because i dont wanna drag it out any longer ,thanks fro everyones reply been most helpfull

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Mobile phone contracts don't come under the CCA, any charges that they have stuck on top, should be ignored don't pay them.

Also, don'ttalk to them on the phone, you should keep everything in writing as you'll have a paper trail of evidence then, or are you able to record your calls?

 

You shouldn't lie down and accept what they are telling you, I appreciate you just want it over and done with, but that is how these DCA's operate, they wear you down with constant harassment, and phone calls, threatening letters etc.

 

They are easily put back in their cage, with the help of CAG;)

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The best way to pay a DCA is with a box full of pennies all superglued so as not to give the game away, post without postage and write payment enclosed on the package :D

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I recall a case about paying in pennies, but can't find it. It went along the lines that you could pay ion pennies, but that the creditor could refuse if reasonable or charge admin fees for doing so. Google couldn't help, but I did find this:

 

£1,300 fine paid in pennies refused - Channel 4 News

 

and an account of a us court saying no, a farmer using a cow as a cheque and a gloucester council saying it was ok.

 

I think as an experiment someone should try. see what happens.

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