Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder

  • Tweets

  • Posts

    • This is more than helpful. Thank you so much. I will get the cca done tomorrow and post the reply from them for what to do next. Thank you all again. 
    • 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 !!!!
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies

Debt Collection Awards!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3990 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Got this spam through today from Credit Today:





Debt Collection Awards - back and bigger than before




The Debt Collection Awards returns with three new categories to recognise the leaders in recoveries, collections and debt purchase. Get ready to enter, the deadline for entries is


18 September 2009.


Categories for 2009


This year's categories include:


* Consumer DCA of the Year

* Consumer DCA of the Year >£2m

* Commercial DCA of the Year

* Debt Purchaser of the Year

* Tracing Team of the Year

* Enforcement Team of the Year

* Compliance Team of the Year

* DCA Manager of the Year


Request an entry form today by clicking here. Just let us know which category you're intending to enter. It is free to enter and you can either enter your own firm or team or nominate a third party.


Don't forget; the entry deadline is 18 September 2009.


To book your seats now for only £199, click here.


New categories for 2009


Feedback from the industry since the inception of these awards has requested recognition of the vital work undertaken by compliance and enforcement professionals. 2009 sees the introduction of two new categories to reward teams within compliance and enforcement, so please get on board if you work within this sector. This is your opportunity to shine and highlight your brand.


Not forgetting the new category to reward DCA managers working on the creditor side, who manage often complex panels of agencies in maximising returns for their firms.


Request your entry forms today!

The awards ceremony


The Debt Collection Awards will be held on the evening of 19 November 2009 at the Chesford Grange Hotel in Warwickshire.


To book your seats now for only £199, click here.


New judges for 2009


This year's judging panel sees the addition of Debt Buyers and Sellers Group chief executive officer, Leigh Berkley. The CSA and DBSG support the Debt Collection Awards and will be encouraging its members to enter this year.


Also new to the panel, chaired by Steve Wrench of Virgin Media, is head of external recoveries UK at Capital One, Rob Barrett and live residential collection service delivery manager for npower, Mark Howell.


Finally, to judge the new enforcement and compliance categories, compliance director for the CSA, Sara de Tute and group director at High Court Enforcement Group, Martin Leyshon also join the panel.

A reminder of last year's winners


Consumer DCA of the Year

Credit Resource Solutions


Consumer DCA of the Year >£2m

Clarity Credit Management


Commercial DCA of the Year

Hilton-Baird Collection Services


Debt Purchaser of the Year

Cabot Financial


Tracing Team of the Year

J2 Solutions


What one of last year's winners said

“Winning this award has brought recognition to the innovation we have injected into the debt collection industry. It announces to the wider market our excellent progress to date and that our peers agree with what we have always understood."


Garry Stran, chief executive officer, Clarity Credit Management Solutions - winner of Consumer DCA of the Year >£2m 2008




Share this post

Link to post
Share on other sites

Might just email the judges with my own category for nominations - most hated DCA

Share this post

Link to post
Share on other sites

Consumer website of the year = CAG :D

Share this post

Link to post
Share on other sites

Lets all hope they arrive and depart safely and they have a wonderful time. How much will thier celebrity speaker receive I wonder? I bet its inversely proportional to his knowledge of what these these thieving cowards do.


And I was hoping to remain cool and calm too.....

Share this post

Link to post
Share on other sites
Lets all hope they arrive and depart safely and they have a wonderful time. How much will thier celebrity speaker receive I wonder? I bet its inversely proportional to his knowledge of what these these thieving cowards do.


And I was hoping to remain cool and calm too.....



Yes, shocking. But maybe this is an opportunity for CAG members to have a say, maybe through non-violent protest outside.

Share this post

Link to post
Share on other sites

Last time a collection of people like this got together the Award Ceremony was held in Nurembourg

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...