Justice for the little people

[Retaliate]

Utterly utterly confused.

 

What follows is a true event just the personal bits left out.

 

Out of the blue I receive a demand from a DCA claiming pay up in 14 days or else.

They claim they are authorised by the OC to collect the monies and that any further

payments can only be made to the DCA.

 

I write back do not recognise debt so prove it.

 

Two days later I write again with CCA request.

 

They write back giving all sorts of wrong dates and figures, claim receipt of my complaint?

And advise me that I can get stuff under section 78 of the CCA blah, blah

 

On the very last day of the CCA request 12 day period I get a copy of the original signed application, a copy of the

T&C's and CC agreement. But the letter from the OC quite clearly states that my account is not in default and that

they expect me to keep paying them monthly or else.

 

I send a TAKE NOTE I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

OR TO ANY COMPANY YOU MAY CLAIM TO REPRESENT AT THIS TIME. to the DCA

 

DCA send me back a letter stating that the OC had written to me explaining their involvement (they did not and never did). They state they were instructed by the OC to review my payment plan. That they have updated my payment plan to £30 a month (but my agreement with the OC still stands and is confirmed as being £25) and should I require any further assistance then please do not hesitate to contact them.

 

I mean what the hell, I am so angry. The hours reading docs and statements and accounts on CAG, the money I spent on guaranteed delivery, late and sleepless nights and I am powerless to hold to account a company that, in my opinion, tried to fraudulently coerce money out of me.

 

Someone please tell me there is more I can do other than write a useless complaint to the relevant authorities.

 

You guys here have been really helpful and supportive and if I have offended anyone with my rant then I do apologies.

[cerberusalert]

Who is the DCA?

[Retaliate]

Cerb

 

The DCA is CARS

[Durkin]

I've ignored DCA's, refusing to answer security checks. They harassed us for months but eventually realised that the OC was getting payments. Until (if at all) you get a letter from the OC you could try that?

 

If you can find an honest copper, it might be worth speaking to them?

 

Report it to your MP too. Just in case they care.

 

In case you've not signed this, perhaps you could? -xxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

 

Cheers,

 

Richard

[Bazooka Boo]

Huh?

 

As with all DCA's their greed gets the better of them and sooner or later they will show their true colours.

 

For a start off, it isn't up to them to dictate to you how much you will pay, you decide for yourself, how much they will get.

 

Who is the OC?

Who told you to pay £25 a month?