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    • 12+2 working days.   a dca can't hurt you credit file any more anyway.   only the original creditor can issue and register a default, on or before the sale of the debt.   what the dca put in the calendar section is immaterial as only you and them can see it it does not extend the 6yrs period whereby the debt shows on your file and after which the 6th defaulted date's birthday causes the whole file to removed regardless to paid or not, paying or not......makes no odds. it still goes, but might still be owed mind, depending upon the contents of the CCA return.   dx  
    • Hello   I agree with dx100uk.   Send them a CCA request which is a request for them to produce the original agreement that gives rise to the debt.  They have a limited amount of time (I think around fifteen days) to send you the document.   Here are the possible follow-ons from that:   1. They don't respond within 15 days and so you are legally entitled to stop paying until they do send a response. 2. They send a letter saying they have gone back to the original creditor to ask for the document and they need more time.  You (legally) stop paying after fifteen days and don't pay them again until they send proof. (This is the most likely first response as they wont have any of your documentation as they bought your debt as part of 1000 others on a spreadsheet on a CD ROM or USB stick). 3. They send you something that looks like a contract or which might be something else that they want you to think is the contract within the time frame.   After either of the above  whatever they send you should be referred back here for an assessment as they will often send you unsigned documents or made up bits of nonsense.  Even if the contract turns out to be the genuine one it still might not be enforceable due to errors made by the creditor at the time of signing.   The only potential downside to the above is that they could try to damage your credit record but probably it is as much damaged as it can be by this debt already so nothing else they can do will make it worse.   Following on from the above you can continue to not pay them.  I would setup an on-line savings account and pay yourself the money instead which has the advantage of creating a resource in case you need to resume payments in the future.   They may send you further letters either inducing you to resume payments by threat or by offering you a deal.  If the document is not valid then the only deal you need to take is the one you unilaterally entered into at T plus 15 days when you agreed with yourself not to pay them another penny.   It is not impossible that they will send you a letter saying the debt is unenforceable (miraculously I have actually seen one!) and asking you to pay anyway which you will of course ignore as you should not be giving any member of this low life industry any encouragement.  
    • I agree and I've no doubt that will happen in the future, but if a court claim is issued and a ccj successfully registered against the debtor then it will never be sb anyway, so are we more likely to see more court claims in the future ?      Can it not work both way though, if the sb date is ultimately aligned to the date of the default notice, essentially giving the creditor 6 years to collect or issue a court claim then regardless of when the debt was last acknowledged / payment made, a debtor could just tell the creditor to eff off after the 6 years is up, figuratively speaking     
    • Received acknowledgement of defence submission from court. VCS now have the option of continuing their claim or not. Watch this space !!!!
    • Yes it doesn't work HB  In Wales someone needed a test on a Sunday, the testing station at Llandudno Hospital was closed, so they could either go to Manchester, 75 miles, or Cardiff 200 miles and a 10 hour round trip.   But as Manchester is England no guarantee on getting test results.
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AliceC

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Hello,

 

A few weeks ago, I received a letter from a debt collection agency concerning a debt which I have reason to believe I may be partially responsible for (never cancelled gas account in a flatshare a few years ago). I think what I owe is only around 10% of the amount they are now chasing me for.

 

I wrote back to the the debt collectors asking for details of the debt, and they have written back asking me for my last 3 addresses and the dates when I left them 'in order to prevent a breach of the data protection act' (presumably so they can verify I am the person they are after). Should I comply? I am happy to try to resolve the situation and repay the debt I owe, but really don't want to give them any more personal information than I need to.

 

Would it be best to try to tackle this with the gas supplier or the debt collectors?

 

Thanks for any help you can give

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'Bumping' this up for you Alice :)


We will not be intimidated.

'The pen is mightier than the sword'.

Petition to Outlaw Debt Sale and Purchase

- can't read/post much as eye strain's v.bad.

VIVA CAG!!! :)

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if they have sent you information concerning an alleged debt, they obviously think they have the right person, seems weird they would request your last 3 addy's.

 

personally, i wouldn't give them any info at all. how long ago was this debt? be very careful about the information you give them, ask them to send you all the info they have to the address they have on their system, they have to comply with this. Hopefully with shed some light on the matter. sure others will be able to help on this one.

 

Az

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No Do Not Give Them Any Info!!!


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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If the Gas supplier has sold the debt onto a DCA then they won't be at all interested, as they will have been paid by the DCA and again from their insurance/tax relief for the debt, so as far as they are concerned they have got their money!

 

The DCA is out on a phishing trip, if you don't give them the info they require then they can't fabricate the debt to suit their paperwork (allegedly!)

 

Also, the info they require is your own personal information, regardless of who they purport to be, getting peoples personal information such as addresses is an excellent start to stealing your identity, they are already breaching the DPA (IMHO)

 

Ignore them and they will crawl back into their dark dingy hole soon enough;)


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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Hi, thanks for the advice.

 

Should I write to DCA saying something along the lines of: 'I have no obligation to give you my personal info, please leave me alone until you can provide proof that i am the person you are after'

 

Or is it best to just ignore? I imagine they will just keep sending letters if I do...

 

The debt is about 3 years old. They are asking me for my last 3 addresses, although ironically none of those are where the debt was incurred!

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Guest Alison82

Never comply to a DCA

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we had something similr at an old house, I never wrote back to the gas company as the debt was for before we were in residence.

 

Then it went to DCA they kept writing to the lettings agent, I agree dont tell them anything, if its not yours ignore it they cannot prove it

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Hi, thanks for the advice.

 

Should I write to DCA saying something along the lines of: 'I have no obligation to give you my personal info, please leave me alone until you can provide proof that i am the person you are after'

 

Or is it best to just ignore? I imagine they will just keep sending letters if I do...

 

The debt is about 3 years old. They are asking me for my last 3 addresses, although ironically none of those are where the debt was incurred!

 

If i were you, i'd ignore this all together, if they call you just state you are not prepared to give personal information over the phone, if they need to ask anything to put it in writing. something along those lines. they sound like they haven't got a clue who they should be speaking with.

 

Az

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It is for them to prove you owe a debt, not the other way around - don't give them any information whatsoever.

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

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Thanks everyone. It did seem weird that they accused me of owing them money and then starting asking me for personal information when they had no authority to do so.

 

diddydicky - It was probably about 3 years ago.

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Thanks everyone. It did seem weird that they accused me of owing them money and then starting asking me for personal information when they had no authority to do so.

 

diddydicky - It was probably about 3 years ago.

 

ok so 3 more to go then to SB - shame

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It did seem weird that they accused me of owing them money and then starting asking me for personal information when they had no authority to do so.

 

Definitely another phishing trip!

Report them to the OFT The Office of Fair Trading: Contact us

debtcollectionguidance@oft.gsi.gov.uk

 

Consumer Direct who pass it onto yours and theirs, local Trading Standards.

 

Complaints - Privacy & electronic communication - ICO

 

How to Complain

 

The more people complain about these companies and their antics, the more chance we have of putting them out of business, or at the very least teaching them a little about UK Law!

 

Boo;)


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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