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Stopping DCA's Direct Debits

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Hi all


You guys have helped me immensely over the past few years to send packing a number of DCA's that were treating me as a cash cow and I'm immensely grateful.


I now need some advice about how to deal with a number of debts belonging to my niece

that she's been paying £5 or so per month for a number of years since she was a student.


She's been paying a called Debt Managers LTD based in Rotherham the £5 by DD with no contact with them for quite a while.


She seems to recall receiving a notice of assignment from Lowlife a while ago about it

and her current bank statements shows the DD recipient as Debt Managers.


She has had the standard offer letters from both Lowlife and this latest outfit and I've explained to her what this means.

The original debt was a student credit card with Barclays.


Now I always paid mine over the counter at a bank or post office via a payment book.

I've told her I'll send them a CCA request and the follow-up letters if necessary to get them to go skulking back under their stone,

but she's asked me when she should stop the DD.


If they reply they're suspending collection until they get the info, can the DD be stopped then?

Or does she have to wait until they back off and admit they can't collect?


One of the other debts she has relates to a student loan taken out around the turn of the century.


I've asked her to do a search on Noddle but I'd be grateful for some guidelines about when to stop the Direct Debits.


She seems to have around half a dozen debts each of which she's paying at around a fiver per month like this.


Thank you all

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get CCA requests for everything bar mobile or bank OD debts.



start a thread in the SLC forum on the student loan debt please.



once the CCA requests are sent [to whomever she is paying]

they have 12+2 working days to reply

with an enforceable agreement [checked by us here]

if they fail to reply with an enforceable agreement within that time limit

you can stop any payment to the particular fleecer.



there is no need to send any letter at all should this action be taken.




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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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