Urgent - read this if you CCA

[payingonlyencouragesthem]

I have received a PM from someone who recently successfully CCA'd a debt away. This morning, however they got a solicitors letter informing them that their case had been reopened because they had discussed the alleged debt on CAG:shock:

IT IS IMPERATIVE THAT YOU DO NOT POST ANYTHING THAT WILL REVEAL WHO YOU ARE IF YOU ARE DISCUSSING THIS SORT OF MATTER. THIS PERSON GAVE THE GAME AWAY BY POSTING THE EXACT CASH FIGURE CLAIMED BY THE DCA. DRIVE SAFELY!!!!

 

It's good to know that the DCA's can hear us laughing at them though:-).

[payingonlyencouragesthem]

Case re-opened as in they have a valid CCA in which to proceed to court, or just more pish and wind??

 

Hopefully the latter - but if you admit the debt in writing you are giving yourself a very unnecessary disadvantage in county court land. It might in certain circumstances (ie an anti debtor judge) negate the absence of an agreement.

[payingonlyencouragesthem]

A lot of people deliberately post wrong information thou, as in the debt amount or other slightly not-correct information , so as not to be identified. What happens if you quote a figure that is the actual amount not you but somebody else owes ? I can see them able to do this if you scan a letter from them and leave your account details and name on it and then admit to the debt.

 

That would be an excellent defence were it not for the unfortunate coincidence in timing. IMO you should always cover your tracks completely as a matter of course.

[payingonlyencouragesthem]

The advice given so far has got to be right - anonymous internet chatroom chatter is never going to carry any weight in court. It's just highly annoying for the person concerned to have this bloody minded DCA start harassing them all over again when they thought they had got rid of them. It DOES pay to be careful - don't give them unnecessary extra ammo!!