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Company Called TELOGRAM?


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Just recieved a letter from a comany called TELOGRAM saying they are holding a message under a ref number?

it also says the message will be deleted on the 2nd from there system?


anybody help?

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Lies, complete and utter lies.


This is a well known DCA tactic to get you to ring them.

DON'T, ever call a DCA.


You'l probably receive a letter in a few days and things might become clearer.


First NEVER talk to these "people" on the phone as they will try and get you to agree to anythin.


Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.

This is achieved by requesting a copy of the Signed, Excuted Credit Agreement via a Consumer Credit Act (CCA) request.

There is a template letter to be found here: http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

Letter N.

Is it important to start the letter:



It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.


After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.

If a FURTHER month passes then the DCA has commited a summary criminal offence and the matter should be refered to Trading Standards for action.


I hope this clarifies some things.

Be VERY careful whose advice you listen too

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