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Mother been Paying DCA's through Stepchange £400pcm for +8yrs - still £9k to pay - Best way to make F&F offers?


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great news on Cap1, well done.

it cant comeback as its already been removed as the DN was +6yrs old.

 

as for link 

no never ever speak on the phone to anyone regarding any debt...they will lie and harass people always.

 

why not send Link a copy of that cap1 letter and say to them they are the only debt owner to continue to demand continued payment and would they please think hard again regarding the status of her sever financial hardship.

 

dx

 

 

 

  • Thanks 1

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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Great idea. How about something like this with a print out of the letter. Should be black out the amount / reference number on the cap1 letter?:

 

Dear Sir or Madam

 

Account No/Reference No: XXXXXXXX

 

Further to my recent letter, I continue to experience extreme financial hardship. I enclose an example of how the other debt owners have responded. 

 

You are the only debt owner to continue to demand continued payment.

 

Please can you think hard again regarding the status of my debt given my severe financial hardship and illness?

 

My continued high debt level may have a serious effect on my physical and mental wellbeing. I would therefore be grateful if you would seriously consider this request for the debt to be written off.

 

I would appreciate any help you can offer me right now.

 

Yours faithfully,

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Cant hurt but knowing link they are thinking that youve no other debt now so pay us....wirh all the spare you now have

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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Cant hurt either.

 

Dx

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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  • 2 weeks later...

Today is the day we would normally pay Link the £5. Should we send £5 as normal, to send £1 or to send nothing?

 

We have had mixed communications from Link.

 

Still no response to the debt in the name of my Mother

No further response to the debt in my Dad's name that they had the CCA for

We have received a response for a debt in my Dad's name that they don't have a CCA for, in effect saying the account is on hold for 30 days as they are awaiting documents from us.

 

What should we do?

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nothing.

 

dx

 

  • Thanks 1

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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Share on other sites

  • 2 weeks later...
Posted (edited)

Hi DX,

 

My Mum received the following text message from Link today regarding the account they have CCA for:

 

Hello, it's Link. We need to speak with you regarding your account. Please click https://ems.ese.pm/Link to access your account and make a payment, or call our 24/7 IVR payment line on 01332921590. Alternatively please call us on 02920 858711 speak to a member of our team quoting reference XXXXX

 

Should we ignore?

 

Also, got the following from IDEM, a DCA without a CCA. Should we also ignore?

 

Hello X, please call Idem Servicing on  0800 046 5911 reference XXXXX. This is important and not a sales/marketing message.

 

Is it worth shooting off a 'prove the debt' type letter to IDEM or should just ignore totally?

Edited by techno20
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Block the number from texting and ignore in writing only. 

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OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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you should be ignoring routinely blocking bouncing and reporting as spam ALL emails/texts/call from anyone.

 

yours on each case is NOT the next move

NEVER enter into pointless letter tennis with ANY DCA.

 

we are now over 100 posts in ....you should already know all this and it should be 2nd nature now.

 

 

  • Thanks 1

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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Share on other sites

As Dx said. 

 

This is a a sales call as they want your money 

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Thanks both.

 

You're right Dx, although I'm a little unclear when action will be required on debts link have produced the CCA for as we have stopped paying. I guess if they threaten court action?

 

The plan right now is to wait another couple of months without paying and see if they agree to write off the debt. If not, fire a low F&F settlement offer towards the end of the year.

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yep just dont ever ignore a letter of claim if one ever comes for any 'debt'.

  • Thanks 1

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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