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I'm fairly new to this site, but i have read many threads where people are clearly becoming disheartened with their financial situation and the day to day fight with the DCA's.

 

This may already have been done, but maybe those with success stories ONLY to tell would consider posting on this thread so that it gives the rest of us more hope and inspiration, and a reason to fight on?:D

 

I'm not the greatest with computers so I apologise if this has been done before.:rolleyes:

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Welcome to the forum. :)

 

No need to apologise, success stories are great for raising morale :D

 

Here's mine, hopefully a couple more to add this month?!

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/59620-diskmandave-lowell-finacial-capone.html

 

Good luck & regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

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Might be worth having a WON/SUCCESS STORIES area similar to the bank sub forums.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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That was my thought. Helps us all i think!!:D

 

My clicker is still telling porkies. Not much success there. I had a 28 post conversation with Rory going and now i'm down to 2 again!!!! Strange.:confused:

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Strange indeed. Might be worth pm'ing a mod about it. There's obviously something wrong with your account.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Well I'm doing quite well.

So far I've had 6 DCA's give up on me, either by passing it back to the original creditor or just stopped contacting me.

Ok in that number are 2 that have simply passd the debt to another of their trading names, but I think it still counts.

Have a look on my Cap1 thread for my latest and probably most satisfying one to date.

 

Post #30 http://www.consumeractiongroup.co.uk/forum/capital-one/83965-cb-capone-ci-advice.html

 

I always ignore their first letter just to make sure they have enough information and it's not just a fishing excercise.

After that I put the debt to the test, so it's CCA time.

If I'm in a really evil mood, especially where charges exceed the debt, then I call them and have some fun. Of course this ISN'T on their 0870 number, but more normally on a freephone one.

Thank gid for SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers, sometimes takes a bit of work, but it's well worth it in the end.

 

There is no point hiding from these people and I'm so glad I have found this site as it has helped me get my life sorted and I'm now working my way through some serious debts that are very nvolved indeed.

 

If you have debts it is better to face up to them and get them resolved one way or another, even if it means paying some nasty DCA.

Be VERY careful whose advice you listen too

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ok, seriously, I CCAd global debt recovery a couple of months ago. They sent me a screen print out. An thats all. They said that is all they could supply. due to the age of the debt they said it would be difficult to get hold of at this stage. Anyway since then not heard a peep from them. apart from they would hand the file back to the original creditor. And not heard a word from them either. I also SARd them as well. And the bank. They are now out of time so time for reporting them me thinks. Global said they were acting on behalf of FV-1. even though they would not give out their address. said it was confidential. Naughty peeps. x so at the moment i am happy on that one.

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Do I take it then that plan B - the dreaded "B" word is now out of the window and you are going to take them on, or is Plan "B" still there?

 

Also, glad you had a good day at work, mine was sh1t!:rolleyes:

 

Seriously though, more success stories though PLEASE!!!!!!!:D

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And, i also did an Sar for my dad for a car company with whom he bought a car from. He is retired and disabled. And almost 80. He did not know any better, but DCAs being the people they are thought they were onto a goodun with him. That is until i told him about CAG. I did the letter for him and sent it off. The DCA were pushing for more money than he could afford. Since the letter they have backed off and apologised saying a mistake had been made and the amount he is paying is ok. As is my name. My head is smashed with everything. And with the thread starter, i can sort every one else out but useless at sorting me out. But hey that is why we are all here. To help each other x

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Smashedbobo, what is this about the car?:o How much were they wanting him to pay? And does the old man's other half know about it? Can't it be got rid of?

 

Start another thread on that if necessary, cos this is for success stories and that is a partial one I suppose. (Its alright, i know smashedbobo...you just have to keep her in line!!! (joke SM)

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someone MUST have something to celebrate with us all.;)

 

I always like wheeling this one out! :D

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/59620-diskmandave-lowell-finacial-capone.html

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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It was got rid of years ago. He was on mobility at some point but he decided to an HP. Was reposessed. I took on the collection agent for the car company at the time and paid what i could for it. They then came to me for a while. you the thing. We have a name so lets use it. Any way he has been being paying 4.00 a month for it. And NO the other half does not know thjat i am aware of. At least i hope not. They sent my dad a letter saying he was behind. He has been writing to them about his situation probably every couple of months when they have contacted him. It was only when i popped in to see him at his home did i see all the letters he waas writing. Was like war and peace. When i saw them thanks to this site i was a little ore informed and told him not to send them. I did the cca and sar instead. so far sogood. everything ok. The only thing i sooooooooooooooooo pleased about is my mother so far is computer illiterate. I HOPE.

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Whoops! Should read prior posts, sorry!

 

Have a read through this one then....;)

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71386-diskmandave-robinson-way-co.html

  • Haha 1

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

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Oh i think people are bothered. The problem is that with DCAs is that they are soooooooo long winded. But what goes around comes around. Read some of diskmandaves other threads. I think it just going to take time for folk to put up the thucktheth thtories up. Me got a lithp. I dont think tho

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Well I'm doing quite well.

So far I've had 6 DCA's give up on me, either by passing it back to the original creditor or just stopped contacting me.

Ok in that number are 2 that have simply passd the debt to another of their trading names, but I think it still counts.

Have a look on my Cap1 thread for my latest and probably most satisfying one to date.

 

Post #30 http://www.consumeractiongroup.co.uk/forum/capital-one/83965-cb-capone-ci-advice.html

 

I always ignore their first letter just to make sure they have enough information and it's not just a fishing excercise.

After that I put the debt to the test, so it's CCA time.

If I'm in a really evil mood, especially where charges exceed the debt, then I call them and have some fun. Of course this ISN'T on their 0870 number, but more normally on a freephone one.

Thank gid for SAYNOTO0870.COM - Non-Geographical Alternative Telephone Numbers, sometimes takes a bit of work, but it's well worth it in the end.

 

There is no point hiding from these people and I'm so glad I have found this site as it has helped me get my life sorted and I'm now working my way through some serious debts that are very nvolved indeed.

 

If you have debts it is better to face up to them and get them resolved one way or another, even if it means paying some nasty DCA.

 

It's hard though facing up to the inevitable isn't it? I can be a bit of an ostrich, although i know i have to sort out my finances. I'm lucky that I have a good job, but the stress is still bad and the WHAT IF's do my head in. Well done you though.!!!!!!;)

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Whoops! Should read prior posts, sorry!

 

Have a read through this one then....;)

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/71386-diskmandave-robinson-way-co.html

 

It's been a while since I have laughed soooooo much. What a carry on!!!!:lol:

 

I can't wait to find out what happens next. You are such a tease, diskman!!!;)

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Oh i think people are bothered. The problem is that with DCAs is that they are soooooooo long winded. But what goes around comes around. Read some of diskmandaves other threads. I think it just going to take time for folk to put up the thucktheth thtories up. Me got a lithp. I dont think tho

 

Are you drinking....again?:p

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Can't yet. Wish I could, maybe soon, hopefully ;)

 

BB

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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