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FPC Debt Collection Call MP3 Recording


ar_123
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Whats your FAVOURITE DCA(s)?  

5 Caggers have voted

  1. 1. Whats your FAVOURITE DCA(s)?

    • Credit Solutions!!!
      0
    • Moorcroft
      0
    • 1st Credit
      0
    • Fredrickson International
      0
    • Invita Justica (or something like that)
    • Mackenzie Hall Statue Barred Collection Services
    • FPC
      0
    • Other


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Hello,

 

Just called these guys (FPC), they often deal with capital one debts, the girl was on about some "paperless" court and didnt seem to realise defended claims would be heard in a court, anyone have a clue what shes on about?

 

(I have uploaded the call to the attachment).

 

Also she gave permission for me to record.

 

Thanks.

Recording.mp3

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If they are talking about a 'paperless' system then why are they asking you to put your requests in writing? I don't think we even have a paperless court in this country as of yet! Though I think trials are underway in India :???:

 

seems to me that the girl on the phone may have been talking out of her hoop! I bet she would have been a lot worse to deal with if the call hadn't been recorded though!

Hit the scales, you know you want to :p

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I think the idiot is referring to money claim online,

Iv'e never heard of a phone debt being dealt with

in this fashion before.

 

Online paperless claims are a fact have a look at the HMRC

web site for details, Allykat it's unwise to assume that

something does not exist if yo haven't heard of it in my opinion.

ar123 check it out for yourself, and insist that all dealing are

in plain simple writing.

 

Brig.

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I think the idiot is referring to money claim online,

Iv'e never heard of a phone debt being dealt with

in this fashion before.

 

Online paperless claims are a fact have a look at the HMRC

web site for details, Allykat it's unwise to assume that

something does not exist if yo haven't heard of it in my opinion.

ar123 check it out for yourself, and insist that all dealing are

in plain simple writing.

 

Brig.

 

Hello,

 

I cant find anything about paperless claims, just stuff from other countries, she said I was wrong when I said a county court claim would be heard in court if defended???

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Hi, forget the DCA speak they have a script designed

to confuse, on the HMRC look for MONEY CLAIMS ON LINE

it is designed to simplify straight forward claims for

money only without any complicating factors, this is what

I believe she is referring to.

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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BRIGADIER I didn't say it doesn't exist, I have a law degree, but unfortunately in Criminal Law :roll: so I don't claim to be an expert on this particular matter, but IMO if the DCA is claiming they need not provide paperwork, then why do they need requests from the client in writing only? If you look at all the information on paperless systems it refers to electronic evidence now being accepted in court.....but what do I know! Was just giving an opinion!

 

Hope someone can advise you further though ar because it's so frustrating when they throw all this information at you without backing it up

 

:)

Hit the scales, you know you want to :p

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I have a law degree to, the MONEY CLAIM ON LINE IS UP AND WORKING, the

misleading term is PAPERLESS, it is not mentioned in the HMRC site on MCO

cases.

Civil law i not my original specific area either but I make myself aware

of developments in the legal system as a matter of course.

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Then you'll know how to advise ar more than I :)

 

as I say I was just giving an opinion, I have checked out the sparce information on MONEY CLAIM ONLINE (and I'm none the wiser tbh) but back to my original point, I still believe the girl was trying to dodge ar's questions and requests for a breakdown of charges etc, and she failed to explain anything! Hence why I made my original comment! It wouldn't be the first time a DCA has misled someone.

 

As I say, I hope someone who can give sound advise on this does so soon :)

Hit the scales, you know you want to :p

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I find your attitude mystifying to be honest,

the advice I have given is all I think can be given

without further input from the OC, as a lawyer

you will know the the dangers of postulating on

matters that are not yet clear.!!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I'm not a lawyer nor did I offer any advise, just an opinion. I am merely interested in this thread as I am dealing with a similar situation :(

 

I appologise if my attitude offends anyone, it is certainly not my intention! :)

Hit the scales, you know you want to :p

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OK, I just rang the OC, Vodafone, who own the debt, they are refusing to take payment and say I must pay the dca, I told them I wont be dealing with their dca due to them being incompetent and unprofessional, am I right in thinking I'm well within my rights to only deal with the owner of the debt? Thanks.

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I don't know if any ''RIGHTS'' actually enter into

this, you can and have tried to deal direct, apart

fom setting up a standing order to Voda and HOPING

it will get to the right place I can think of nothing that

you an do if they insist you deal only withe the DCA.

I suppose you could keep sending complaints against

the DCA and see what happens.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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But I don't have a "contract" with the DCA and they don't own the debt, surly thats means I'm not obligated to deal with them?

 

I don't know if any ''RIGHTS'' actually enter into

this, you can and have tried to deal direct, apart

fom setting up a standing order to Voda and HOPING

it will get to the right place I can think of nothing that

you an do if they insist you deal only withe the DCA.

I suppose you could keep sending complaints against

the DCA and see what happens.

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The point is that they are the autorised

representative of the creditor legally assigned

to deal with the debt, I would assume the

same premise in OFT Guidance stating

that it is unfair to refuse to deal with an

authorised 3rd party COULD apply in the same

way in this situation.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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OK, I just rang the OC, Vodafone, who own the debt, they are refusing to take payment and say I must pay the dca, I told them I wont be dealing with their dca due to them being incompetent and unprofessional, am I right in thinking I'm well within my rights to only deal with the owner of the debt? Thanks.

 

Hi ar_123,

 

I'm sorry to hear about the concerns you've raised here.

 

If you'd like me to take a closer look at this for you you're welcome to email the details of the account in question by following the contact details in our pinned thread here http://www.consumeractiongroup.co.uk/forum/showthread.php?213340-Vodafone-Webteam-for-Customers-With-Problems

 

Once you've sent it you'll receive an automated reply with a reference number. So I can make sure it's received could you update the thread with this and I'll come back to you as soon as I can?

 

Kind regards,

 

Lee

 

Web Relations Team

 

Vodafone UK

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Hello Lee, been on holls, not seen you around

for a while.:madgrin:

 

Brig.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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If it is Vodaphone the poster needs to get hold of Lee, the excellent Vodaphone rep on this site.... then they can see what the TRUE facts are and come to an agreement with Vodaphone. They should send Lee this load of spiel.

 

Hi sillygirl1,

 

Thanks very much for your kind words here - they're appreciated.

 

Hopefully the OP will return to the thread and get in touch with me soon so I can get this looked into.

 

Hello Lee, been on holls, not seen you around

for a while.:madgrin:

 

Brig.

 

Hi Brig,

 

I had a week off a few weeks ago but I have been back in the office for a while now.

 

However, I haven't been on the forum quite as much as I usually am mainly due to things being quieter than normal - not that I'm complaining of course :-)

 

Best wishes to you both.

 

Lee

 

Web Relations Team

 

Vodafone UK

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