How long till another Beryl Brazier case?

[brokebutnotbeatn]

Hi guys, this is a sad thread to read. I've been an silent (ish) observer for a few years but the stress and anxiety finding myself in this situation still haunts me. At the time I came close to the brink, but came through the worst. Whilst I didn't feel strong enough to refuse to pay or go bankrupt, but the posters on this site did give me the strength and confidence to challenge the incessent calls and get them stopped. Now nearly 2 years into a DMP the phone call from a DCA whom I 'know' about nevertheless still turned my stomach. But this site has given me the strength to stand firm. I am (I believe) intelligent with a good job who should be strong enough to laugh in the face of these bullies. I feel desperately angry and sad for people who are receiving these calls day in and day out from companies that are simply the 'legal' version of the old style door knockers. It disgusts me to the core. A huge 'thank' you to the people on here who pour a huge amount of time and energy into understanding the nuances of the regulations, create the letter templates and give advice - often the same advice - repeatedly. I often go 'quiet' when work and life consumes my time and I hope that that is the reason why many poster drop off. We can but hope.

[brokebutnotbeatn]

We all know that to have got as far as an IVA this family would have been hounded by their creditors. We know becasue we all are - even when taking steps to sort it out. Such a shame that there are no 'guests' reading this thread. When they do I hope those in debt become members and those that are not reflect accordingly.

Babybear. I dropped off the site for a while. You were one of those posters that helped me through initially. I'm sorry you were ill and glad to hear you are OK now. x

[brokebutnotbeatn]

I was talking with someone last night about this and about depression. We likened it to having days when we fell into a black hole. We'd climb out and then fall into another one. But over time and with help from those around us, including CAGGERS the holes reduced in size, number and depth. For other people this isn't the case, the hole they are in just gets larger and deeper. x

[brokebutnotbeatn]

? I expect them to write not call when they've been told NOT to call. I expect them to not call people's place of work; I expect them NOT to use intimidation or to misrepresent what can happen to the debtor. I expect them to READ letters and respond appropriately. I expect them to follow the law. If they can't enforce a debt because the financial institutions have not loaned it properly, I expect them to stop trying to enforce it. There would be many people on this site who would have negotiated payment plans however minimal years ago if financial institutions acted in a responsible and reasonable manner at the outset when they were advised of a change of circumstance...

[brokebutnotbeatn]

The changes don't need to be to the current law and guidelines but with the regulatory bodies tasked with enforcing them. 3 strikes and you're out. DCAs only behave in this way becasue nothing is done to stop them - paltry fines following years of half-hearted investigation. They are like children - continuously pushing the boundaries and continuously getting away with it. Lack of enforced regulation is tacit approval to continue with the behaviour. In this industry you are guilty until proven innocent in their eyes. It can change but it will take time. I could go on and on, but I won't...

[brokebutnotbeatn]

Lamb - a few years ago the light at the end of my tunnel was an express train...this site and time means it is now the exit. Take each hour/day as it comes. Time (and this site) are great healers - even if it doesn't feel that way right now. x