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"]Hi I have a DCA chasing me for an old account with BT I left them because of the awful way they treated me, I am still claiming JSA

 

What is the best way forward please The account is showing closed on my credit file with a default registered on July 2012 but nothing since.

 

Is it the DCA company doing this

 

I have thought about a make a offer letter I have read other threads re defaults and if unable to get removed.

 

Thank you

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tell usmore about how this happened please

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi Thank you for replying to my post,

 

It all started when I lost my job and i started to fall behind with our monthly commitment direct debit with BT,

 

at first when the DD started to bounce I would phone up and make a payment of say £100 off what we owed them

we had a telephone

BT vision

options 2 etc with internet,

which when I had a job wasn't a problem.

 

I did explain that I had lost my job and that i was trying to keep all the balls up in the air

 

this seemed to be ok for a about 6 months

 

then it got to the stage were I was late by 2 days with paying my agreed amount over the phone when they completely cut me off

 

I didn't mind loosing the phone when it was incoming only

but to loose that and access to the Internet which I relied on for job searches and communication with agency's.

 

I tried in vane to get them to reconnect me but the only way they could do that would be if I paid the full amount owed which stands at £549.11.

 

I had no chance of doing that .

 

So I applied to new supplier and opened a new account with them

I did this because I really needed the internet to look for anew job.

 

I was really up set and annoyed with them as I had been making an effort to pay them back and they just dropped me l

 

I complained to there complaints department they looked into it but said there was nothing they could do.

 

I had to pay up before a re connection.

 

a company called Past Due are now dealing with it.

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past due are not Bailiffs

they are a dca with no such legal powers.

 

what PENALTY charges are involved in this balance from the bills?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi Thank you for your input,

 

the original debt with BT was for £439.29. £109.82 has been added by Past Due

 

also they registered a default which i was unaware they could do that

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PDC cannot add any charges unless they OWN the debt

 

are they the owner on the CRA file then?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Dx sorry not sure,

 

I did find a letter from a company called Collect direct saying that they had been instructed by there clients BT Group PLC to collect a debt and added a fee of 25% to the principle debt.

 

this is the £109.82.

 

Are they connected to Past Due?

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so BT own the debt

 

urm.. this starting to sound dodgy

 

no they cant add anything

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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DX Can I approach BT directly and make them an offer to clear the debt ? bypassing the DC

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You could try that. But the problem you might have is BT saying "we dont own it anymore, DC have bought it off us" however that's a load of rubbish.


I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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Hi Thank you

 

what would be the best way to approach this, my original debt then is £439.29

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I personally suggest talking to a manager. From experience managers tend to go the extra mile whereas frontline staff (as I call them) just give up and are not really bothered.

 

I dont see why BT have had this negligent issue of payments. If a customer is facing hardship and they are willing to pay back something each month then they should accept that.

 

A mate of mine accumulated a £3000 bill in the days of dial up internet in the 90's. BT said he has to pay the full whack, he said I cant afford it and can pay £20/£50 a month or whatever he can. Which they finally accepted.

 

Bearing that mind, in those days (1990s) BT and other telecommunication companies used to have local offices whereby you could go in, face to face is a lot easier and more can be done than over the telephone. Since people are "hiding" this is where companies and their employees have become bullies!


I went all the way to court to seek compensation for "damage to creditworthiness" against HSBC. I lost unfortunately.

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that dca is a very lowlife one

 

there is a reason why it was sold

sar BT and find it .

 

something smells here.

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi

I have looked at the web site Checkmyfile on line and it reports that Equifax are reporting a telecommunications account against my name

 

it has been defaulted but says that the account is closed it mentions the amount,

but who owns the account is not known,

also account status is not available,

account holder is not available

 

Equifax have a default recorded against my name until 2018, and they do not know who I owe it to

or why and it say's the account is closed surly this has to be wrong with out the correct info.

 

I guess a DCA has it and it used to be a BT bill, that I was disputing but it does not give that info out

 

I think a company called PastDue or collect direct have handled it in the past.

I have not had any recent communication from any one

If any one can advise best way forward that would be great

Thank you

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its been put on a phishing list

and no debt buyer wants it.

 

so what do you need

 

the default removing?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi DX100UK

 

Thank you for answering my question

 

Yes I would like to get it removed, I am in rented accommodation and will be needing to move soon so any advise will be welcome

 

Thank you

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then bt will be your target.

 

so tell us the story about how bt think you owe them

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi DX100UK

 

Thank you for answering my question

It all started to go wrong in April of 2012

I was still unemployed and trying to jugle the untility balls in the air

unfortunately the BT one kept dropping

 

I did my best and beg the Guys in India to keep me connected not so much the phone line But for the internet as we live in the country side

and needed that more for the children and for me to keep in touch with agents etc

 

I kept setting up direct debits and they kept on failing

on the last occasion my pre payments where at £125.00 and this is when the last problem I had with them started.

 

I tried to change the amount to be paid by standing order by the automated phone system

I changed the amount to £80 unfortunately they didnt get it in time and so they tried to take the original amount which bounced

they cut me off again so had to go through the motions again with India

 

I offered they said I had to pay the full amount to get it back on which Ii couldnt so

 

I offered £160.00 which was in my mind the equivalant of two months at £80.00

 

This was unfortunately not enough for the billing department in India

I was told that I was now out of contract and

 

the only way I could get the Internet back was to pay a further £160 by the 4th of April and then a £100.00 pounds by direct debit

 

as I am on th JSA I was unable to meet their dead line and pay them a £100.00

instead making a total of £260.00 in the space of two weeks making me fall behind on Gas and Electric

 

I was going to go ahead and set up a Direct debit I did keep on telling them that I was on the JSA in the end they just cut me off

and terminated my contract and left me with nothing

I kept on pleading with them to no avail.

 

In the end I managed to ge a line with Talk Talk

 

The bill was high because I had all the other stuff on there like broad band and BT vision which I could cancel at the time

other wise I would have to pay the out standing amount on the contract.

 

I am still in and out of the JSA system

I would like to my be make them a full and final offer I just need to get the Default off

 

Thank you

 

Cancookwill

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urm...

 

cant cancel bt vision my foot without paying the whole bill

 

heard that one before.

 

you need to get ahold of the Cardiff lot and find out why they would not help you

by reducing your out going.

 

if you were out in the countryside I bet you had not very good speed

and were paying option 3?

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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Hi DX 100

 

Yes you are spot on Talk talk internet is not to bad

 

I will send a letter to there correspondance department in Durham that is the only address I know of will they pass on to the right department

 

They really were not very helpfull

 

I suppose I will have to pay but how much to get the default remouved I wonder

 

Thank you for advise

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