two DCA's chasing same OPUS CC debt

[gpp]

Hi everyone.

 

Quick question.

 

Is it normal for two DCAs to chase same debt?

 

List of events~;

 

03.8.12 Cabot inform me that they will pass the account to Mack Hall

28.8.12 Cabot inform me that they will pass the account to Rob/Way

23.8.12 Receive Doorstep assement letter from Mack Hall

29.8.12 Receive Ring us letter from Rob/Way

11.09.12 Reduced settlement offer from Mack Hall

 

This is causing me huge amounts of aggrovation. Who can I inform this is happening? Is it worth reporting?

 

Any help much appreciated

[BRIGADIER2JCS]

No this is not normal, using multiple firms/trading titles breaches OFT Guidance on Debt Collection2003/2012.

 

You need to report it to the OFT listed as you have here with a copy of each letter. addressed to the debt collection team.

What has happened since 11/09/12?

 

The OFT will record the complaint and will review all the complaints against the company when their consumer credit licence comes up for renewal, it is always right to report such actions.

Edited November 30, 2012 by 42man
changed OFY to OFT

[unclebulgaria67]

It should not happen, but it does on occasions. Up to you what you do. You could send letters off to the OFT, ICO etc, put probably will fall on deaf ears in terms of response, but they may make a note of the issue.

 

As this is now a couple of months ago, likelyhood is that these debts will be passed on again, so if you have not so far responded, I would not bother.

 

What debt is this and how old ?

[gpp]

Thanks gentlemen.

 

Debt is an Opus credit card for £524 and is about 3.5 yrs old.

 

The debt is listed as owned by Cabot. Have only just realised this after looking through correspondance dealing with other issues.

 

I have since received letters and e-mails from Mack Hall.

 

I will report this with copies of letters. Shall I inform Cabot? Or just report it to the OFT?

 

Thanks again, much appreciate your time

[unclebulgaria67]

The OFT won't do anything as they don't deal with complaints as such. I think you will just get a standard response.

 

I suspect that if you have not had any further communication from RW that they are no longer dealing with it. Perhaps it was an error, with the same list of debts being passed out to 2 agencies.

 

If you have not been dealing with this for many months, I am not sure why you are suddenly wanting to send letters. Sometimes if you start sending letters to these people, they will spend more time looking at the account, thinking that their fishing hook has got a bite. If you keep an eye on the post and do nothing unless they advise a court claim will be issued, then I would think MH will just pass the account back to Cabot. Cabot as the owner would be the ones to instigate a court claim.

 

If you are concerned with your credit record/rating, then get a copy of your report and then look to see what you can do about settling the debts if you are in a position to do so.

[dx100uk]

just report them

 

as you've had discount letters

you need to SAR the OC

 

might be relaiming to do

 

dx

[BRIGADIER2JCS]

The timings of those letters in nothing like a mistake/error to close together and a flagrant breach of the OFT Guidance, if those who receive this kind of communication don't report or challenge it, the same thing will happen perhaps to someone very vulnerable with unfortunate consequences.!!!

 

So YES REPORT IT!!!

[gpp]

I am drafting a letter to the OFT.

 

The response from them will be a normal blah blah letter no doubt.

 

I really appreciate your response Uncle 'B' and your comments, however, I will report the letters and send copies. There may be individuals who could end up being very confused and out of pocket.

 

The letter will be posted Monday. I will report any responses.

 

Thanks to you all again.

[dx100uk]

moved to the CITI forum

 

dx