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Best way to contact OC or DCA?

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I have been trying to find the best way to contact DCAs. I can't phone them and even if i could i don't think it wold be a very good idea as the one i was able to phone, in relation to a debt that was nothing to do with me seemed unable to tell the truth.

 

Sending 100s of letters works out expensive, and they don't seem to read them, a fax would give them your phone number.

 

I have started using e-mail. I know it gets through because if it did not it would come back as undeliverable but so far only lowell have sent any kind of aknowledgment.

 

Short of a megaphone to the ear what would be the best way to comunicate with a DCA?

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We have always advised (and still do) to communicate in writing keeping copies and sending with proof of posting.

The benefits are that you have a record that you can use if needed later.

DCAs are often reluctant to respond to emails,since they know it gives you proof of communications.(Or more to the point you will find that they are unlikely to write the same things they would say in a phone call)

They of course favour phone contact,since unless the conversation is recorded,there are no records of what is being said.

They are trained to take the upper hand on the telephone,and can be extremely intimidating.

Under their codes of practice which includes for many the CSA,they have a duty to deal fairly and professionally and have a responsibility to answer your letters.

You have a right to seek that communications are kept in writing.

When writing to them,always ask them to forward you a copy of their complaints procedure-this is your right.

If they do not follow or comply with anything there,then you have recourse to report them to your Trading Standards.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Slightly off track here, but my preferred method of communication would always be seance, closely followed by table tapping and then finally we have the good old fashioned, conversing with "strange voices in a darkened room"

 

Although inadmissable in court and the results can be a little off the wall, at least I could be sure that the "people" I was talking to were in the right place :p


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Slightly off track here, but my preferred method of communication would always be seance, closely followed by table tapping and then finally we have the good old fashioned, conversing with "strange voices in a darkened room"

 

Although inadmissable in court and the results can be a little off the wall, at least I could be sure that the "people" I was talking to were in the right place :p

 

Hiya Spamhead,

 

Love the sense of humour:lol: Have you just got out of the pub.:grin:

 

Although I may try it, I do think Martin is spot on.

 

Papertrail and breach of the FSA complaint handling guidance if they don't respond.:grin:


If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Slightly off track here, but my preferred method of communication would always be seance, closely followed by table tapping and then finally we have the good old fashioned, conversing with "strange voices in a darkened room"

 

Although inadmissable in court and the results can be a little off the wall, at least I could be sure that the "people" I was talking to were in the right place :p

 

Only if there's a whiff of burning in the air :wink:


[sIGPIC][/sIGPIC] I asked them to wait whilst I got my Bank card :violin:

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Information that may help if a CCA request is refused due to the lack of a signature . . http://www.consumeractiongroup.co.uk/forum/showthread.php?248863-Signature-demands-fight-back-possible-!&highlight=

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Trouble is with sending them letters all the time it is costing me more in mailing costs than I am paying to my creditors. if only they would let me be I could pay them more........ whoops slip of the pen I mean i could spend more on important things like food and drink ;)

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You shouldnt have to send them all the time.

If its worded right-one should do the job.


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Alawys best to only communicate via the written word!

 

Use second class post and obtain proof of posting.

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You shouldnt have to send them all the time.

If its worded right-one should do the job.

 

Agree!

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trouble is they don't or can't seem to read I feel i have to answer all their letters, i started sending the letters by both e-mail and royal mail, but the last couple have only gone by e-mail. do you think it would be best if i sent them hard copies aswell? Or perhaps collect them up and send one answer to say five letters, after all mostr of them are the same old crap :)

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You shouldnt have to send them all the time.

If its worded right-one should do the job.

 

After that, just state; my position remains the same as laid out within my letter to your dated XXX!

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After that, just state; my position remains the same as laid out within my letter to your dated XXX!

 

I think i get your drift, something along the lines of:

 

In answer to your letter of blah blah I refer you to my letters of blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah, blah blah and blah blah. I regret I am still unable to phone you and there have been no discernible improvements in my position.

 

And maybe add something along the lines of in furure I will be deducting the cost of postage from my payments to you?

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After that, just state; my position remains the same as laid out within my letter to your dated XXX!

Greta idea angry cat! I used to make the mistake of spending a fortune on answering every bit of drivel sent to me!:rolleyes:Playing a games of letter ping pong with every DCA and writing mini books to them!:eek: but now realise like martin says one or two letters at most should do the trick and recorded is sufficint as i used to spend over £4 a time on special which was getting ridiculous! :eek:


Im happy to help with support and my own opinions but as i have no legal qualifications If I offer any thoughts to your problems please take it as from my life experience only and not of any legal standing. Always take further advice from the legal experts in your final action,

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