NCO Europe KEEP calling!

[mr.ton]

My apologies if the guests are just ordinary folk reading in etc...

 

My none apologies if they are from a DCA or the industry in general....if you are, then your industry is finished

[nickc25]

Haha. I hate it that genuine good people are losing jobs (construction, retail, etc) and these coyboys keep theirs. But then again generally the people who work at these places have no ambition or can not get a job where a skill is required. Oh well they will have no debts to collect on soon the way the banks are going!

[nickc25]

For some reason my post yesterday is not there:

 

I sold a laptop last year for £110. I sent it parcelforce or some other method which did not have a signature. I withdrew the money from my paypal account and used it thinking nothing of it.

 

At a similar time I sold a digital camera on Ebay for £57. The camera was 3 years old and was described as 3 years old but in decent condition. Then around 6 weeks later the guy had come back off holiday and said that the batteries do not last long on the camera and he deemed it as faulty. I disputed this and said I used lithium batteries and got at least 200 pictures per set. He said he got 100 per set. Basically not my problem because I described it as 3 years old and did my part. Even for example if the camera broke 3 weeks later it would not be my fault or problem because there was no warranty or anything like that. But the fact is it worked and just didnt last long in "his" opinion.

 

So he did a paypal claim which i rejected. Paypal awarded in his favour anyway, which is against UK Consumber law so I was told by CAB. So then the buyer sent the item to a fake address and to this day it says on the royal mail website something like:

"this item is being held at depot 0000000 and we have attempted delivery at 0000" Some weird thing like that which does not confirm delivery or anything, to me it looks like he has sent it to a fake address.

 

But yet paypal issue HIM a refund. I have no camera and he gets his money, and probably has the camera.

The same then happened with the laptop, the buyer claimed he did not recieve it and because stupid me didnt use a signed for method, I can only prove that it was sent and not recieved. I contacted royal mail who have nothing in any depot, I put a returns address on it.

I then closed my paypal account with the minus balance and refused to pay it. Around 6 months later I had a letter from a debt collection agency and I called. I forgot to put 141 and they had my telephone number, so I had to change my telephone number because they were calling at least 5 times per day.

I told them to take me to court and I will prove that firstly I do not have the camera back so how they legally think they can take money off me for that and secondly I have proof of sending the laptop. The balance I "owe" is £250 or something, which is not the actual amount either.

 

So I got a card last week from "P.BROWN" which says:

"I CONFIRM I WILL BE CONTACTING YOU". It does not say a date and time (they cannot contact me because they have no phone number for me) and below that it says "If this is inconvenient please call me on (0870) 903 2341 quoting the reference number on the address side of the card. Regards. P.BROWN"

 

I might write on it "return to sender, no one at this address". But then I would be as bad as them. If they have proof and want the money, why don't they just take me to court? Because they know they do not have a toe to use the foot to use the leg to stand on!!

 

It is really annoying how they can get away with tactics like this, if I didnt change my telephone number I would be getting harrassing telephone calls. If I ring the 0870 number and do not press 141 then they would have a system to record my number I bet! I want them to stop with their little cards (I only had 1 letter) or either take me to court.

 

What I do not get is how paypal flout the law. They can close your paypal account or freeze it for up to 6 months without even having to explain why! So if for example you was stupid enough to leave a balance of £100 or more in there for purchasing purposes or you load money onto it to use, you can have it frozen for no reason. I read about them freezing thousands of dollars worth of charity money for hurricane Katrina back in 2005. I hate having to use paypal. I have to use them for my business too because they are the cheapest option and cannot afford another company at the moment. When I do get paid subscriptions from people for my villa website, I take the money out straight away.

 

Any advice? Is there a body I can complain to? Maybe companies house?

Or shall I just let paypal take me to court over this because I am not being scammed. If they want to give [problematic] money then that is their choice, but not me.

[ODC]

As usual the DCA trolls disappear under their stones when challenged (I think they are all challenged anyway) by the law. As Mr Ton says we must really be hitting the threat monkeys where it hurts, in their wallets. They will just have to spend less on WKD at the weekends.

[noomill060]

I wonder if it would be permissable to post up an Admission of Liability signed by a senior NCO excecutive?

[mistery88]

Must be awful for you knowing that us evil debtors have all these many legal rights/protections etc....

 

Like i said, mental age of a 4 year old:lol:

[mistery88]

As usual the DCA trolls disappear under their stones when challenged (I think they are all challenged anyway) by the law. As Mr Ton says we must really be hitting the threat monkeys where it hurts, in their wallets. They will just have to spend less on WKD at the weekends.

 

Yea, and the people who owe money to DCA clients hide under their stones when they realise they owe money, spend less on WKD you say? gosh, someone has really ''rattled your cage'' aint they;-)

[mistery88]

I wonder if it would be permissable to post up an Admission of Liability signed by a senior NCO excecutive?

 

Oh yes, please do, that would be great

[pt2537]

Yea, and the people who owe money to DCA clients hide under their stones when they realise they owe money, spend less on WKD you say? gosh, someone has really ''rattled your cage'' aint they;-)

Hmm,

 

I rattled the cage of a well known DCA today,

 

sad thing was,

 

i had a court order for £27893.00 in costs against them as they had acted unreasonably, threatened my client with all kind of nasty things (which they would never be able to do anyway)

 

so took clients instructions, issued proceedings, they defended but actually as they knew their position was indefensible, and we got judgment at a summary judgment hearing with costs on indemnity basis

 

the debt is declared unenforceable by order of the court, s142 CCA 1974 and the DCA now have to pay our client more than they paid for the debt let alone our costs

 

so, im more than happy for the DCAs to commit corporate suicide as it just adds to my profits

[mistery88]

Hmm,

 

I rattled the cage of a well known DCA today,

 

sad thing was,

 

i had a court order for £27893.00 in costs against them as they had acted unreasonably, threatened my client with all kind of nasty things (which they would never be able to do anyway)

 

so took clients instructions, issued proceedings, they defended but actually as they knew their position was indefensible, and we got judgment at a summary judgment hearing with costs on indemnity basis

 

the debt is declared unenforceable by order of the court, s142 CCA 1974

 

 

 

 

 

Ahhh well done sir, hate to tell you this but your claim is a little drop in the sea to be honest, DCA's collect stupid amounts of money to make up for that, and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big.

 

Let me guess, you live tax payer as well:roll:

[blind-as-a-bat]

 

Ahhh well done sir, hate to tell you this but your claim is a little drop in the sea to be honest, DCA's collect stupid amounts of money to make up for that, and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big.

 

 

Funny, RBS used to say the same, before they got caught out

[noomill060]

" and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big."

 

Heard of a DCA called 1st Credit by any chance?

 

 

(The OFT have)

 

http://www.oft.gov.uk/news/press/2009/20-09

[mistery88]

Hmm,

 

I rattled the cage of a well known DCA today,

 

sad thing was,

 

i had a court order for £27893.00 in costs against them as they had acted unreasonably, threatened my client with all kind of nasty things (which they would never be able to do anyway)

 

so took clients instructions, issued proceedings, they defended but actually as they knew their position was indefensible, and we got judgment at a summary judgment hearing with costs on indemnity basis

 

the debt is declared unenforceable by order of the court, s142 CCA 1974 and the DCA now have to pay our client more than they paid for the debt let alone our costs

 

so, im more than happy for the DCAs to commit corporate suicide as it just adds to my profits

 

 

Please feel free to rip into me as much as you like, i work for BAE systems now and i suppose consumer action group have something to say about them as well, im dammed if i do and im dammed if i dont, its like being the Prime Minister:roll:

 

 

I think NCO are a long way from commiting corporate suicide, a long, long way.

[noomill060]

BAE in Barrow?

[noomill060]

I had heard they were finding it hard to find anyone to work for them.

 

Looks like they are really scraping the bottom of the barrel taking on ex-NCO monkeys as rivetters!

[mistery88]

" and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big."

 

Heard of a DCA called 1st Credit by any chance?

 

 

(The OFT have)

 

The Office of Fair Trading: OFT imposes requirements on 1st Credit over debt collection practices

 

 

Very good, but 1st credit isn't NCO is it, do you know how many times NCO have been found to be in breach of such rules? i think you will be pleasantly suprised.

[pt2537]

Hmm,

 

I rattled the cage of a well known DCA today,

 

sad thing was,

 

i had a court order for £27893.00 in costs against them as they had acted unreasonably, threatened my client with all kind of nasty things (which they would never be able to do anyway)

 

so took clients instructions, issued proceedings, they defended but actually as they knew their position was indefensible, and we got judgment at a summary judgment hearing with costs on indemnity basis

 

the debt is declared unenforceable by order of the court, s142 CCA 1974

 

 

 

 

 

Ahhh well done sir, hate to tell you this but your claim is a little drop in the sea to be honest, DCA's collect stupid amounts of money to make up for that, and break the rules all the time to be honest, but you won't close down DCA's, they are simply too big.

 

Let me guess, you live tax payer as well:roll:

 

Maybe you should read the Dummies Guide to the forum, it shows you how to quote posts correctly,

 

anyway

 

i hate to tell you but it is not, we have a large quantity of claims on the go currently with DCAs

 

now sooner or later, the ratio will tip in favour of the debtor if these unscruplous companies dont get their houses in order

 

lets look at my case for example today

 

Debt £7K

 

Purchase price £2.4K

 

Cost to DCA through their own stupidity= £370000 (approx) including damages etc

 

so, any business will suffer if they keep losing more than they make and that is what we are doing currently with many DCAs. and BTW we are a major law firm so trust me, we WILL cause waves:wink:

[mistery88]

BAE in Barrow?

 

No, Warton.

[noomill060]

Good, I dont know you.

 

 

Yet.

[mistery88]

 

Maybe you should read the Dummies Guide to the forum, it shows you how to quote posts correctly,

 

anyway

 

i hate to tell you but it is not, we have a large quantity of claims on the go currently with DCAs

 

now sooner or later, the ratio will tip in favour of the debtor if these unscruplous companies dont get their houses in order

 

lets look at my case for example today

 

 

 

Debt £7K

 

Purchase price £2.4K

 

Cost to DCA through their own stupidity= £370000 (approx) including damages etc

 

so, any business will suffer if they keep losing more than they make and that is what we are doing currently with many DCAs. and BTW we are a major law firm so trust me, we WILL cause waves:wink:

 

 

So as an expert pencil pusher can you tell me how many successful claims you have had involving NCO?

[noomill060]

Well, Ive had a 100% success rate against NCO and Im merely an enthusiastic amateur!

[mistery88]

Good, I dont know you.

 

 

Yet.

 

I might apply for a job up there, just to get to know you:p

[noomill060]

[noomill060]

[_nco_]

Ive got some news for you.

We wont be paying & never will be paying, unless a county court orders ortherwise.

You have no legal powers whatsoever - why cant DCA's just accept that simple fact?

We all know it costs you money to take us evil debtors to a county court so thats why you rarely go near the places.

Threatening is the only thing you can do...well guess what, the police/government/OFT/trading standards/information commissoner...everyone for that matter, is cracking down on you.

How does it feel to be such a targeted industry now like you are?

#

So you basiclly borrowed the money from the bank,spent it and now you dont want to pay it back? So this is exactl why people like yourself, get phone calls and letters everyday - and it would lead to further action. Fair enough all we do is ring you every day, but by burying your head in sand wont resolve your issues