A Quick Question

[hennessy13]

Sent a number of letters to OC several months ago: many repayment offers, CCA request, Account in Dispute, In Writing Only and anti-Doorstep letters.

 

Account has since been passed to the DCA merry-go-round. None of the DCA's are taking any notice.

 

Question: How many (if any) of these letters sent to OC have any bearing on later DCA activity?

[BRIGADIER2JCS]

None what so ever, when debts are sol or assigned

there is little information passed on as they are bought and sold

in bulk often by the thousands.

They are literally sent with a spread sheet and

minimal details, agreements are not included, and

they are not informed of previous collection activity.

[citizenB]

Sent a number of letters to OC several months ago: many repayment offers, CCA request, Account in Dispute, In Writing Only and anti-Doorstep letters.

 

Account has since been passed to the DCA merry-go-round. None of the DCA's are taking any notice.

 

Question: How many (if any) of these letters sent to OC have any bearing on later DCA activity?

 

Which letters? the ones you send to the DCAs?

 

You can almost guarantee that any letter sent by the "debtor" will NOT be read entirely, especially if it looks to be a templated letter. Which is why you should always try and personalise them

 

You could always start off any of the templated lettters by saying..

 

I am in receipt of your letter dated XX XXX 20??.

 

Please note that you are the ??th DCA to have been passed this account and my position remains the same now as it did with the previous DCAs which is..................

 

[hennessy13]

Interesting - so they aren't informed that a debt is not enforceable, nor that it is disputed?

 

Thanks

[hennessy13]

Letters were sent to both OC and their in-house DCA.

[BRIGADIER2JCS]

They are all just part of very large portfolio' of debts,it's a bit like

buying a box of junk at an auction and hoping to find a valuable item, or in this situation

some mug who will pay up without arguing.

[hennessy13]

Many thanks. I'll have to write some more letters.

 

I know they aren't the most catious or thorough of businesses, but you'd think a certain amount of due diligence was to be expected...

[BRIGADIER2JCS]

Would you buy a raft of debts knowing

a very large percentage were lemons:jaw:

[hennessy13]

Just drafted a short but sweet hardball letter that covers all of the above, plus some other stuff for good measure. Should make them think twice, and only the header needs altering for new DCA's. Lots of big bold lines. Which is nice.

[BRIGADIER2JCS]

Sock it to em, nothing to loose at this stage IMHO.