A View From The Inside - The Whitleblower Thread

[dannyboy660]

I'm getting there. I now work for a high street bank in their own collections department but it's far removed from a DCA.

 

Good for you spurious.

 

I don't think anyone objects to paying the original creditor, or perhaps even collectors working on their behalf, but they are far too quick to throw you to the wolves if you suffer a small setback, even temporary.

 

It's this so called "purchase" thing I despise so heartily.

 

I had a spell with DWP and other depts chasing 'unpaid' social loans and stuff. Completely different thing where the law is concerned, but just as unpopular with Joe Public and Janet Street-Person as that really does hit those who could well do without it. Took me a while to see the effect it can have on people......... :cry:

[dannyboy660]

The solution to dealing with debtors is to sue them. Do not speak to them on the phone, and do not respond to any of their generic letters. Write to them and tell them what you are going to do and let that be that.

 

 

Oh if only it were true!!!! Who needs a TV license when you can get your Friday night comedy right here for nowt!!!

 

Cheers Rameses. You make it all worthwhile!!

[dannyboy660]

How interesting - a view from a current DCA employee perhaps?

 

One who can only take the original words of 'spurious' and play a game of substitution.

 

Well proves the point really, no further comment neccesary.

 

Incidentally Ramses ruled only for 2 years it was his descendants who were significant in the Eygptian empire.........

 

 

...and enjoyed their interbreeding,.....

[dannyboy660]

Credit searches are only likely to be done by someone at a management level rather than the ordinary telephone types. That's why it's all the more important to complain when you have good reason to - someone with that level of trust and responsibility should not be allowed to flout the law and get away with it.

 

I would imagine some DCA's do not search at all and the tracing will actually be done by the OC or their in-house team under the guise of the purchaser. As I said on another thread, they will know who accessed records at a particular time and for what reason. It is a legal requirement to carry out random checks and the company would face a substantial fine if they could not justify a search or record amendment.

[dannyboy660]

Hi Zimmie,

 

Yes it does happen. If you do an online credit check using a credit or debit card, you are confirming your ID and address to the CRA. Certain people/accounts are 'tagged' to give a warning when they have accessed their personal details and the relevant DCA is informed.

 

When you 'sign' the application to search your records, you are agreeing to this taking place "for the prevention of fraud, and tracing of debtors" I believe the wording is. You're not paranoid - it does happen and it is an incredibly effective way of tracing people because in this instance, they are who they are, and live where they live by their own admission, or else they must/may have obtained the card used illegally in which case the card issuer will be notified.

 

All the best.

 

PS I can only assume the same system will apply to postal applications.