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Can i refuse to pay NCO DCA and continue to pay Amex direct?


Roctiv Werdlem
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Hi,

 

I’m currently in a payment plan to repay 2 Amex debts. Whilst Amex still own the debt, and send monthly statements, the payments are collected by a 3rd party - “NCO Europe” ( a DCA )

 

As Amex still legally own the debt, can I refuse to pay the DCA and instead resume paying Amex directly? 

 

I just don’t like dealing with DCAs which is why I’d rather pay direct. If I were to write to the DCA to tell them that this is what I want to do, could they take any further action? 

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a dca is powerless anyway.

 

unless they own the debt

you always ignore a DCA totally

no need to tell them either!!

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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I spent the money and therefore intend to pay every penny back, I just don’t want to deal with DCAs if I can avoid it.

 

I thought by letting them know my intentions it will stop them bombarding me with calls and texts if they don’t see the payments coming to them anymore. 

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throw the morality card in the bin..

 

simply block their numbers and report/block texts as spam.

 

they are totally powerless

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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Amex probably don't have an account open to pay the money into. Once a creditor passes a debt to a DCA, they close the account. 

 

We could do with some help from you.

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its not sold

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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  • dx100uk changed the title to Can i refuse to pay NCO DCA and continue to pay Amex direct?

DX:   throw the morality card in the bin..

 

I totally agree with this.

 

If it ever gets to Court it will be the laws that apply not morality.   Almost by default if you are a card provider, bank or other financial institution you are involved in immorality somewhere along the line.

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