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Does anyone else get excited when a DCA calls?

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Seriously,

 

I haven't received a call from any DCA for around for a few months and I genuinely miss there calls!

 

I used to get several a day, all there calls got recorded, I could easily wind them up over their lack of legal knowledge, I could worry them by playing recorded parts of the phone conversation (when they said something illegal etc.) down the phone and telling I was putting it on youtube. I just got a real buzz out of it all.

 

At the start of the call they would often try and intimidate me with legal sounding words and you could here them stutter as I suddenly corrected them on the name of the act they just quoted or whatever. I loved it when they realise they're talking to someone who knows more than them, just good fun to be had with them.

 

Got fed up with one of the offenders phoning though so wound the vile cow up, rang back informing them calls where to be placed on youtube, they told me I would receive no further calls and accepted my generous offer of £1 per month :D

 

Am I the only one lol!?

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Sounds like you had fun ar. From my point of view though, I'm just glad the calls and the harassment have stopped thanks to members here.

I'm not that well and the continual bullying was making me worse.

I must admit though that watching Fuzzybobble's YouTube videos really did make me laugh out loud.

 

Always nice to hear that people are having success facing down these bullies though.

 

Well done :D


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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I particularly mis my 'intimate' relationship with 1st crud. Why don't they love me anymore :confused:

 

*sob*


"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 miss them, haven't had a decent phone wind up for ages. All I get now is Club La Costa trying to get my details about some Spanish Holiday I won in an online competition....

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Now that I have True Call, I actually don't get them, and you know, I do miss them - well on a good day, but I still remember the awful feeling of not wanting to answer the phone, from years ago, until, as you say, CAG empowered us.:)


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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Now that I have True Call, I actually don't get them, and you know, I do miss them - well on a good day, but I still remember the awful feeling of not wanting to answer the phone, from years ago, until, as you say, CAG empowered us.:)

 

I also have Truecall & i don't miss phone monkeys wasting my time at all, i was never into winding them up but to each there own.

 

The one thing that baffles me is they were always on the brink of sending someone round or taking me to court for debts that had never been legally proven.

 

I`m still waiting for a visit from one of there reps & not one of them has taken me to court.......... funny that:grin:, i`m enjoying the peace & quiet.

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The only time I got a doorstep visit from a DCA was a couple of years ago. My poor old Mum answered the door and was shown the collection agent's "I.D." Of course, she called me and when I appeared, the chap took one look and said, "Sorry, I think I've been given the wrong address."

 

Response:

 

"Yeah, I think you have mate, now Foxtrot Oscar."

 

That was when the phone calls started instead and thanks to CAG I've finally got them sorted too.

 

Cheers all.


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Yes, I love it when a DCA calls, except they dont bother me much anymore. The only one who does is Regal and I love them..... They always ALWAYS end the conversation with 'We'll send someone to your address then' and then hang up.

As a debt collector Regal are quite possibly the biggest bunch of pr*cks I have ever spoken to on the phone. I have never heard so much sh*t come out of one morons mouth (and ive spoke to Cabot) before. The truth about Regal is if you put up even the slightest bit of resistance to them they crumble and rant about a doorstep collector (yer right you said that last year) then slam the phone down because they dont have the balls to deal with someone who might know his rights.

 

Its a dog eat dog world and Ive got bigger teeth!

 

Regal your PATHETIC.


Ash.

 

If you think I have helped you, please add to my reputation by clicking the star button to the left.

Thankyou.

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When I sent Barclaycard a SAR Request they sent me a copy of an application for one account and told me they had no application for the other account.

 

I sent a CCA Request they sent the usual terms and conditions for one account, nothing for the other.

They returned the £1 cheque. ( I should of sent a £2 cheque)

 

I sent a further CCA Request they sent the usual terms and conditions for both accounts.

They cashed the £2 cheque.

 

Now Truecall takes care of Mercers and co.

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I love DCA's calling me and thanks to all here on CAG, my confidence and knowledge has gone through the roof.

 

I get really upset if DCA's do not hang up on me when they call!!

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Ask them if they want to be your 'special friend' :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'm not content with them hanging up on me now. I like them to lose their temper with me first.

 

:-x

 

:lol:


These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Guest Mrs Hobbit

I miss the phone calls. It was fun trying to get them to answer my security questions and proving they were who they claimed to be. I miss them starting to threaten me and then after I informed that the call was being recorded the nasty names they called me as they lost their temper and slammed the phone down.

 

I misss Miss/Mr India phoning me and me making out I couldn't understand a word she/he was saying as I didn't speak English, I spoke Gibberish only (spoken in broken Italian) and could they provide a translator before the conversation could go any further...

 

The other game, you wanna book a table for tonight, where you wanna sit near window of door, waht time you wanna come.........

 

You know the person you are trying to phone, we need help to identify the resident of this house.....phone normally hung up quickly on that one.

 

The other one pretending that call was going live to air........

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Fuzzybobble - What's your favourite oatcake? DCA & Cheese? :D


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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I just had a phone call from MIL.......oohhhh the joy I always sak them to hang on a minute so I can get the forums up on PC then I let the fun begin, anyway MIL are chasing a Sky Debt, I cancelled Sky before installation but they are chasing me for installation and 3 months subscription, anyway I have 10 minutes of fun quoting law after law to numpty on the end of line asking that if the case was watertight as he claims to take me to court,his response was wait for this a classic line " Your name will appear in the local press along with what you have been prosecuted for" errrrrr prosecuted for I asked I havent broke the criminal law.....his response was ohhhhh B**ll*cks to you we are sending some men around.....I said you wont because a letter will be with you in morning removing right of entry....he hung up..also letter went stating i will only deal in writing etc I hope he calls again soon


I know my rights Mr DCA I'm with the CAG......hello hello where you gone Mr DCA8)

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Luckily (or not as the case may be) I have only ever had one phone call from a DCA, this one was actually for my daughter (you would think she would learn from mum's mistakes). All my correspondence has been in writing oh and one very cathartic email...must find a copy of that and post it up for your amusement...ah here it is

 

Dear Sir/Madam/Threat monkey!.

 

I have recieved a letter from yourselves, you say that due to "times of economic hardshiplink3.gif", out of the goodness of your heart you are "currently in a position to allow generous discounts" to your customers.

 

There are many reasons why the offer does not apply to me, here are a few of them:

 

1. I am not your customer.

 

2. I do not have an account with you.

 

3. You have provided no proof that there is an alledged debt.

 

4. You have not provided any evidence that I am the alleged debtor.

 

5. A Statutory Demand was set asidelink3.gif at Bradford county courtlink3.gif regarding this alleged debt in September of last year. I was also awarded costs as the Judge rightly saw the actions of yourselves and those of Connaught Collections as the missuse of the court system to aid debt recovery.

 

6. The alleged debt you refer to in your letter is unenforceable as it is in dispute, I sent a request for a CCA, with the payment required but have not recieved any acknowledgement of the request, despite being signed for on recorded delivery or an answer.

 

7. The Subject access requestlink3.gif from Lloyds TSB confirmed that the debt is in fact statute barredlink3.gif

 

8. You have provided no proof that the debt was acknowledged, let alone within in six years since the alledged debt was incurred.

 

9. Under the Limitation Act 1980 Section 5 “an action founded on simple contract shall not be brought after the expiration of six years from the date on which the cause of action accrued.”

 

10. The OFT debt collectionlink3.gif Guidance states further that “continuing to press for payment after a debtor has stated that they will not be paying a debt because it is statute barred could amount to harassment contrary to section 40 (1) of the Administration of Justice Act 1970”.

 

I have listed just ten reasons why your generous discounts are not relevant to me, I have many many more but neither the time nor the desire to correspond with you further on this subject or any other.

 

If you have had any problems understanding any of the points I have made or any of the legal references I have included, I suggest you put down your crayons and ask your Mommy what it all means.

 

Should i recieve any further correspondence from yourselves or your partners in crime Connaught Collections, I will take you to court for harassment and the issue of unsolicited mail.

 

Yours sincerely

 

Monx

 

 

Yes, yes I know the spelling is not the best but I think they got the gyst! lol.


Advice given is my opinion only, I am not a legal or financial expert (far from it).

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Excellent email Monx :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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Thanks Babybear, didnt get anything other than an automated reciept but it felt damn good writing and sending it!:D


Advice given is my opinion only, I am not a legal or financial expert (far from it).

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I always address my complaint letters to "Whoever owns the company brain cell." ;)


These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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Ah! memories of MBNA's Indian call centre with their made-up English names - happy days.

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Ah! memories of MBNA's Indian call centre with their made-up English names - happy days.

 

I remember calling AOL's "customer service" helpline thing. Of course it was totally useless, as the guy on the other end in India kept telling me I need to call my computers manufaturer and get the IP address for it. :rolleyes: The Indian guy I could hardly understand's name was Brian.


These are video links to show how I deal with Debt Collectors.

 

Fly fishing for C.A.R.S

http://uk.youtube.com/watch?v=zPtzK8FqE6k&feature=related

 

Frederickson International don't accept my card type

http://uk.youtube.com/watch?v=eiZBULlWW6Q&feature=related

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I'm not content with them hanging up on me now. I like them to lose their temper with me first.

 

:-x

 

:lol:

 

I'll have to send you a Christmas card this year Fuzz, that way you'll have yet another payment method. :wink::D

 

I wish they'd call me so I am forced to buy a truecall - but they don't have my numbers... alas. I used to have such fun with them.

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Yep C1s indian call centre when i kept saying do u speak English


OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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We are getting 4 or 5 calls a day from Cabot at the moment.

 

They want to speak to my OH, and despite him answering the security questions once then telling them to put it in writing they never have.

 

I have a range of methods to deal with them now. I either ignore the phone and let it ring so we get the usual answer phone message from Miss Jones, or I answer it and ask if they have not employed anybody capable of printing off and sending out a letter yet, or, if I am listening to music, I tell them i will get the OH and put the phone next to the loud speaker. Or if they are very lucky and catch me in a bad mood, I yell at them.

 

I was once told I had no right to speak to them the way I did. They didn't ring for about a week after I replied that it was my telephone line, my telephone, and seeing as I didn't swear at them, they had no cause for complaint as they know my OH will not speak to them until they have learned how to put things in writing.

 

I was even told once that for them to put it in writing, we had to first put in a written request for it. Flaming numbskulls!

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WITHOUT THE HELP OF THE DCA's!!!!!!!!!!!

 

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I dont get chance to do it anymore because thay stopped phoning shortly after I phoned Aktiv Capital at 8.55PM knowing full well that thay closed at 9.00PM.

 

I talked about how the account they were trying to collect on was not enforceable, with them trying desperately to get me to make a payment I finally said that I had deliberately phoned at the time I did, to make them stay late.

 

Threat monkey was not best pleased, he said "YOU DID THIS ON PURPOSE" I said yes just to get them back for their constant harrassing calls.

 

A few days later I got a letter saying they were investigating my complaint?? and that I would here back with a final response. I never did here back and they have never phoned me again - so yes I do really miss you Aktiv Kapital you are just so easy to wind up!!

 

Beau

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Please note: I am not a lawyer and as such any advice I give is purely from a laymans point of view;-)

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