Are you being harassed on the telephone by your bank or by debt collectors?

[ODC]

I think the members on here are wise enough to know whats right and whats wrong. The overwhelming majority of people who have had the misfortune to attempt to 'reason' with a DCA on the telephone have realised what sort of people they end up dealing with. People who are prepared to use every trick, deceit, bullying and downright lies to coerce someone into paying money off an ALLEGED debt wher 99 time out of 100 the greedy DCA cannot enforce it anyway.

 

The best advice is NEVER SPEAK TO A DCA ON THE PHONE. Keep a paper trail of every dealing with them by insisting that ALL contact is in writing.

[ODC]

If you know your industry so well....come on tell us who are regarded as the 'cowboys' and tell us who are the good ones....it happens in every industry, I know how good/bad my competitors are...so give your opinion on who are regarded as the cream and those who are regarded as being Mickey Mouse outfits ?

I agree and if you are so proud of the ethical way your company operates then plese dont be ashamed to tell us their name. Im sure its definately not based in Leeds anyway:lol:

[ODC]

Are you still at work ?

The crystal maze must be broke today.

[ODC]

Your completely right Godmother- The bailiff has no powers whatsoever to enter your property forcefully unless you have already, previously, allowed them entry in order to catalogue your posessions for removal.

 

.

Apparently according to the post it was a DCA who tried to enter the property to remove goods not baliffs. As we all know DCAs are nobodies. They have NO LEGAL POWER whatsoever.

[ODC]

Strange then that so many DCAs threaten bankruptcy almost with their first threatomatic.

[ODC]

Please tell that to 1st Credit Deshaine. And the other 'rogue DCAs' we deal with here.

He could tell them when he goes into work on Monday:rolleyes:;-)

[ODC]

DCAs are allowed to phone on Sundays. Of course whether you chose to answer them on a Sunday is up to you. What with the footie on and the lovely sunny weather I cannot see too many DCA calls being answered today

[ODC]

Obviously the thousands of people who post on here about the behaviour of DCAs cannot all be wrong. Of course its not just one or two isolated DCAs who are rogues but from opinions given on here its a completely shoddy industry which seems to employ people with no consience and devoid of moral scruples. Of course if I worked for one of these DCAs I wouldnt want to admit it either. I would come on holier than thou and pretend I worked for a reasonable DCA who did everything by the book.

[ODC]

Deshaine; I congratulate you on what you have written. I am getting fed up those others who won't give you a chance. Those who run up big debta with no intention of paying should get clobbered. However it is a different thing for those who by accident got cheques bounced dds returned and were hit with aweful charges!!! I am all for those people to get their funds back. I am also against harassment wether it be by telephone or letter. I have no sympathy for the banks etc. Threy brought all the problems on themselves. Keep on the good work:D

Texel while there are undoubtely a few rogue debtors on here who never had any notion of paying back their debts I feel that the VAST majority of people on here are in debt because of problems beyond their control such as ill health, unemployment, marriage problems etc. Whent they try to make a sensible arrangement with their creditors they are often treated like **** and subjected to abuse and vile threats. As a consequence most people hit google and more often than not end up here where they find people in a similar predicament and get the help they need. If the Banks/DCAs adopted a sensible approach they may find people willing to deal with them. Instead they send off a rainforest of threatomatics threatening everything from baliffs to repossesion and bankruptcy. More often than not these threats are as empty as the heads of the people who post them out and bully folk on the phone. They cause undue stress and worry to ordinary folk who have fallen on hard times.

 

Call me cynical but IMHO any DCA employee who comes on here trying to justify the actions of DCAs is either here to gloat or glean information.

[ODC]

Also from the same publication

 

He lists the leading buyers, in no particular

order, as Cabot Financial Group, 1st Credit, Capquest, Lowell Group,

Aktiv Kapital/Thames Credit and Link Financial.

Mere coincidence that there are so many threads on CAG about the antics of these particular companies.

[ODC]

DO NOT SPEAK TO THEM ON THE PHONE

 

Never confirm the secuity details

 

Inform them in writing not to telephone you at work or indeed tell them not to phone you full stop as you will only deal with them in writing

 

 

 

OFT Guidelines on UNFAIR BUSINESS PRACTICES

Communication

2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,

inaccurate or misleading manner.

2.2 Examples of unfair practices are as follows:

a. use of official looking documents intended or likely to mislead

debtors as to their status, for example, documents made to resemble court

claims.

b. leaving out or presenting information in such a way that it

creates a false or misleading impression or exploits debtors'

lack of knowledge

c. those contacting debtors not making clear who they are, who

they work for, what their role is, what the purpose of the

contact is

d. unnecessary and unhelpful use of legal and technical language, for

example, use of Latin phrases

e. failing to provide debtors or creditors with information on status

of debts, for example, not providing requested balance statements when

reasonably requested

f. contacting debtors at unreasonable times

g. ignoring or disregarding debtors' legitimate wishes in respect

of when and where to contact them, for example, shift workers who

ask not to be telephoned during certain times of the day

h. asking or instructing debtors to make contact on premium rate

telephone numbers

[ODC]

Also if your mobile has the ability to record conversations then make sure you record all their calls. You will find if you tell them you are recording the call (even if you are not) then their attitude will change remarkably

[ODC]

Log all calls from them whether answered or not

[ODC]

Well as they are playing silly buggers the best way to get shot of them is to CCA them. Bet they cannot produce one.

[ODC]

Lowell is harrasing me by letter and phone, I have never been in debt or had any loans or credit agreements. Today I got a letter from Lowell attached was the Personal Loan Agreement, it had the wrong name, signature and a statement of account for a totally different person then that which was on the loan agreement. I have been called repeatedly by them, I have explained that they have the wrong person, but still they continue with this harrasment. Your advice would be useful.

Sounds like a very serious breach of the Data Protection Act sending you deatils of someone elses account. A formal complaint to Clownells, TS, the ICO and your MP are now in order. I would be tempted to contact the person named on the agreement and tell them the Leeds Losers are passing on their personal details

[ODC]

Its the best policy to tell ALL DCAs you are recording the calls even if you are not. A couple of presses on the keypad is sufficient. Its surprising how this helps improve their manners and in most cases induces long silent pauses.

[ODC]

A benefit of this service is that it gives the DCA a message '' This person has chosen not to receive calls from your telephone number''

[ODC]

I would point out that I posted well over SIX months before Rorschach's post, which was one of three 'negative' posts with 10 minutes of each other on 30 June since when no more. Do I smell a troll perhaps?

Well spotted Docman. They do seem to appear and post inane garbage before crawling back under their stones or else they are on the phone threatening some poor person.