Discounts from DCA's

[Buncrana]

Hi Guys,

 

A friend has asked me if I could ask you guys, after I was singing your praises, if I could post this quick question.

 

If she is receiving letters from DCA's offering discounts, does that normally mean that there are issues with the collection of the debt?

 

From what I can see in other posts, this seems to be the case, but can someone verify this for her please?

 

Thanks in advance,

 

Buncrana

[gordies]

Hi Guys,

 

A friend has asked me if I could ask you guys, after I was singing your praises, if I could post this quick question.

 

If she is receiving letters from DCA's offering discounts, does that normally mean that there are issues with the collection of the debt?

 

From what I can see in other posts, this seems to be the case, but can someone verify this for her please?

 

Thanks in advance,

 

Buncrana

 

Absolutely !!

[sequenci]

It could be that there are issues for sure. It could be that the debt is old, and certain debts become 'statute barred' - which means that they may not need to be paid back at all.

Some debts could just have passed around various DCAs who have paid a small percentage of the debt amount, so offeringa discount may still provide a return.

Sending a CCA request, a SAR, or both could be worth thinking about.

[dx100uk]

PENALTY charges

or

PPI

or

no paperwork

 

get her to check her CRA file too!!

 

dx

[Buncrana]

PENALTY charges

or

PPI

or

no paperwork

 

get her to check her CRA file too!!

 

dx

 

Thanks for the replies so far guys

 

I suggested that but she is worried that a lot of things/people may come out of the woodwork.

 

To get her credit file, is there a way of getting it without using her current residence?

[dx100uk]

how long has she been there

 

prob already on the if she is on voters/got a mobile contract

 

90% of the 'getting your cra file opens the floodgates'

 

is a myth.

 

dx

[Buncrana]

how long has she been there

 

prob already on the if she is on voters/got a mobile contract

 

90% of the 'getting your cra file opens the floodgates'

 

is a myth.

 

dx

 

She's been there a year DX. Not on voters roll, phone, tv, broadband and rent in her partners name.

 

From what she tells me, there is nothing financial registered at her address apart from her Flex account and mobile phone

[dx100uk]

they would link her to her old address through the mobile phone account.

so i bet its already done

 

plus if the discount letters are going to her new address they know already!!

 

its better to get it really.

 

as if she leaves it

the time to reclaim lots of PENALTY charges might expire!

 

PPI wont

 

dx

[Buncrana]

they would link her to her old address through the mobile phone account.

so i bet its already done

 

plus if the discount letters are going to her new address they know already!!

 

its better to get it really.

 

as if she leaves it

the time to reclaim lots of PENALTY charges might expire!

 

PPI wont

 

dx

 

The discount letters are going to her place three addresses ago.

 

She says none have been sent to her current address.

[dx100uk]

her call then.

 

if a dca owns a debt

they they could issue claims

 

but if there are discounts flying around

then she needs to know WHAT they are

as a counter claim or reclaiming might well be in order.

 

dx

[Buncrana]

her call then.

 

if a dca owns a debt

they they could issue claims

 

but if there are discounts flying around

then she needs to know WHAT they are

as a counter claim or reclaiming might well be in order.

 

dx

 

Thanks for that DX, she isn't sure when the last payment was made, as it was under a DMP through cccs.

 

When she comes back to my office, I'll try find out more

[BRIGADIER2JCS]

Hi Buncrana,

 

I agree discounts are a give away when it comes to dodgy paper work or Statute Barred or nearly so, credit reports essential.

[Buncrana]

Hi Buncrana,

 

I agree discounts are a give away when it comes to dodgy paper work or Statute Barred or nearly so, credit reports essential.

 

Hi Brigadier,

 

I trust you're well

 

Still can't believe the help you gave me when Mrs B was having trouble, outstanding

 

Anyway, back to my friend.

 

To quote DX ''90% of the 'getting your cra file opens the floodgates'

 

is a myth.''

 

It's this ten per cent she is worried about. There were a couple of letters that were swiftly dealt with by her BF from DCA's about six months ago. He basically told them where to go, and not to send anything else to that address, as she doesn't live there.

 

Since then, nothing.

 

The address from which she is getting this mail, is her former marital home. She suspects that she isn't getting all the mail, and that her ex is being selective with what he gets to her. She gets her mail from him via a third party as she does not want him to know where she is.

 

One of the letters she has received stated the address that she left him to go to. She panicked when she seen this, as if this is shown on one, could it be shown on more??

 

Herein lies the problem.

 

The ten per cent that DX was referring to, and the fact that a DCA has somehow obtained, and put in a mail to her ex's address, she is worried that if she goes down the CRA route, then others will come aknocking...

[BRIGADIER2JCS]

Believe me Buncrana if a DCA wants to find your friend there are even easier ways to trace her (and cheaper than the CRAs),

checking your own credit file alerts no one and really the CRA reports are an essential tool in managing problems such as this.

 

It will be very difficult to sort out and will probably need SARs being sent which of course cost and take 40 days to get an answer, but is really the only other way.

[Buncrana]

Believe me Buncrana if a DCA wants to find your friend there are even easier ways to trace her (and cheaper than the CRAs),

checking your own credit file alerts no one and really the CRA reports are an essential tool in managing problems such as this.

 

It will be very difficult to sort out and will probably need SARs being sent which of course cost and take 40 days to get an answer, but is really the only other way.

 

Thanks for that Brig, I'll let her know tomorrow