A can of worms ?

[PriorityOne]

Update time again....

 

Received a number of unexpected 'phone calls, three minutes apart, from the DCA (still not naming them for now)... the woman on the other end seemed fairly keen to get me talking. No deal... but all three attempts logged. Even got her name before cutting her off each time... lol.

 

Two days later, a letter arrived stating that they had been contacted by the FOS... and would like to investigate the nature of my complaint , but that the info. I had supplied was too vague....

 

Replied by referring them to copies of letters sent in April, May and June ... so that that they could refresh their memories on the precise details.... which I know were received, since I have copies of signatures for all 3. Nice try though.

 

Gave them 14 days to respond and, that I would need a final, written response to this one way or the other for FOS purposes and, if they didn't get a wriggle on within this extra timeframe, copies of my entire file would be forwarded to Inland Revenue (Financial Crimes), their local Trading Standards... as well as the FOS.

 

Getting the silent treatment now....

[sosumi]

P1, we had an update today as well. I think it's time I started a thread on ours... BTW re. the 'tippex' agency are a 'reputable agency', says the bank.

Will try tomorrow - both feeling rough here.

Good luck and wishes as always, sosumi

[Brassed off]

P1 - they do like to try it on, don't they??!! – Even a letter from the FOS doesn't make them shift;)

Their reply should be interesting:rolleyes: Oh well, they've got 14 days - brilliant thread btw

Hi Sosumi:)

[PriorityOne]

Hiya Sosumi/BO

 

In reality, it will take longer than 14 days as I have loads to copy... but hey, it's more fun to crank up the rack slowly anyway... lol.

 

Didn't realise they'd been cr*pping their pants 'til that last letter arrived.... they don't want to put anything in writing, that's for sure....

 

Shame....

[babybear39]

Cluck...Chickens

[rory32]

Go P1, go P1 (queue poppoms and cheerleaders)

[Seahorse]

Your wish is my command.

 

[PriorityOne]

Right.... haven't updated this one for ages. For anyone interested, a quick overview of events can be seen in post #71.

 

I'm in 2 minds about how to proceed with this. The DCA enclosed a copy of a letter from the OC detailing that 3 accounts were in fact "amalgamated" into one (stupid bergers ), before being "assigned" to the DCA some years ago.

 

The FOS won't investigate it from a refund point of view because it all occurred prior to April 2007. However, my complaint was after April 2007, so IMO, I should be entitled to their support in getting a final response from the DCA, which so far... they've been very reluctant to give me. With this in mind, I intend to email/write to the FOS over the week-end and give them a prod.

 

Seeing as the FOS won't look into the refund angle however, my only option seems to be whether to issue an N1 or not... but as I've always managed to fight my causes outside of a court room (so far), I'm reluctant to do this in case it backfires due to lack of evidence.... unforeseen loopholes and so on. I'm also not into wasting my time, so to speak.

 

We are talking about just over £1K here.... and seeing as the OC has already stuffed up on a different (unenforceable) account to the tune of around £4k, part of me is wondering if I'm just being plain greedy here by going after this £1k as well, regardless of who ended up collecting on it.

 

At the end of the day, I spent the money that this DCA has collected over the 4 year period.... and although they did add charges to the account, my payments were stopped before they were able to collect these anyway (around £350), still leaving an unenforceable balance of around £800 on their books. So in theory.... I haven't paid any more than what was originally borrowed in the first place. They also gave up hassling me for payment AGES ago now...

 

My beef is about the manner in which I was (unlawfully) pursued in the first place, during a time when they were getting more than I could realistically afford in the days when I knew no better.

 

So.... pursue or not pursue... ?

 

Opinions on a postcard please.... .... as I'm beginning to think this may just be a vigilante issue after all.... .... and I should really just put it to bed now.

[cashins]

To take that view I would need to be very sure that they, or another, would not come back for another go some time in the future.

 

Otherwise I would apply the principle, 'Do unto others as they do unto you'.

 

David

[tomterm8]

I would only pursue if the charges were greater than any amount outstanding, and I would pursue the original creditor and not the DCA.

[PriorityOne]

Thanks for the replies guys...

 

There's no way that they or anyone else could (realistically) come back for another go... so no worries there.

 

As for the charges, the only other charges would have been added on by the OC before assignment... as I was always a stickler for making sure there were never any opportunities for penalty charging. As there is still an alleged balance of approx. £800 on the (amalgamated) account and approx. £350 of this is DCA charges after assignment, this means that the OC would need to have added around £450 at the end to leave me out of pocket.

 

Whatever they may or may not have added would not have reached this figure.... so maybe it's time to let go now and move on to fresh pastures....

 

File closed.