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General question on DCA's


mcg68
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I have a few DCA's chasing a few different debts. Capquest, Moorcroft, Wescot and Regal Credit.

One of the debts in particular has been through various DCA's and it seems that after ignoring their letters and phone calls for a while, they just give up and a few months later the letters for the same debt come from someone else?

I am assuming that if these debts were easy for them to recover, ie - through the proper legal channels as opposed to their bully tactics and red topped letters, then they would have done this a long time ago.

Has anyone actually been pursued successfully by a DCA and paid up in full and have they taken you to court and won? The law seems to be on 'our' side a lot of the time?

Would anyone disagree?

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They do take people to court if the have enforceable agreements and the debt is big enough to make it worth their while but for agreements prior to 2007 they usually only have toilet roll.

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But when the account is passed between various DCA's then surely thats enough proof that they don't have any chance of winning in court - or they would have taken the court option years ago.

Do they sell these debts to each other or do the banks decide that DCA#1 aren't getting much of a result so they rap their knuckles and pass it on to DCA#2 to see if they have any more luck. The whole Debt Collection Industry seems to be a bit chaotic.

A year ago I was scared out of my mind by their letters but now I just tell them I amn't in when they call and ignore their letters and I have had letters telling me they will take court proceedings but never do.

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Obviously if none of them have raised court action they don't have an enforceable agreement or financially it is not worth their while going to court. Banks sometimes place accounts with several DCAs if they get no result, sell them, DCAs pass them to other DCAs just to collect or sell them on - there is a whole load of different variations on assignment.

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Robinson Way, who have an alleged debt of mine for Cap1, which went to court and Cap1 lost. However Robinson Way have requested CCA from Cap 1, which I know doesn't exist! I never had their card in the first place.

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