Corporate Credit Media DCA ARROGANT

[bach]

My hubby got a phone call yesterday from Company called

Corporate Credit Media DCA says we owe them £48 50 for writing a cheque out which bounced.

 

They threatened hubby with " will get in touch with your bank and get our cheque facility withdrawn" "will stop us using cheque facility for ever"

they were really aggresive to him, he tried to explain that this was the banks fault (long story so won't go into it) and unill we receive the answers from the bank we would not be paying the amount that they have asked for. He said we had 7 days from today and if not paid will take us to Court. Its the first time ever we had anything to do with DCA could not beleive how arrogant and rude he was

 

Bach

[pmhcfc]

For £48.00 ? Er , I don't think so. Write to them and ask for a breakdown of the costs involved that brings it to £48. And as if they can contact the bank and get them to withdraw cheque facilities- what planet are they on?

[djdave]

Just a thought: have you ever checked that CCM have got a legal right to be collecting this debt in the first place?

[42man]

I would write to them stating - I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY - then insist that all correspondence be in WRITING ONLY and that if they make any phone calls they will be classed as harrassment and treated as such....what they did was bang out of order, at least with written correspondence you have a record (unless you record your telephone conversations)

[bach]

Hi Im a bit nieve as Iv never come across DCa before, how do I go about checking if they have a legal right to collect ?

I have just completed a letter also to them saying exactly what 42man has said.

 

Thanks for help and advise

[ODC]

I would add to the letter that ALL TELEPHONE CALLS WILL BE RECORDED they will never know whether you do or not

[gizmo111]

Who was the cheque made out to?

[bach]

HI, Sorry Iv not picked you up but had a mini stroke last week, so just beginning to get going again.

The cheque was for Sainsbury.

 

 

the problem was that at that time The Woolwich who we were with, were in the process of changing over to Barclays

 

 

although there was cash in the account to pay for the cheque

my Son also went in to the Woolwich and it said on the door to go to the nearest Barclays

 

 

which he did

paid in some more cash

but they told him because their sytems were'nt properly in place they could not put in the cash untill the following week.

I complained but they did'nt won't to know.

 

There was all sorts of hassel going on with the account at that time because of the change over.

 

I beleive that I might have made the cheque out on a Woolwich Cheque book,

and as it was not set up properly by Barclays for the change over I think that is were it happened.

 

 

I took your advise and sent a signed for letter on Friday so we will wait and see what happens next.

 

 

To be honest

because I have another problem going on at the moment

"A & L Regret cannot supply CCA"

 

 

Im tempted to just pay the £48 for the sake of peace and quite.

Thanks

Lynn

[ODC]

To be honest because I have another problem going on at the moment "A & L Regret cannot supply CCA" Im tempted to just pay the £48 for the sake of peace and quite.

Thanks

Lynn

 

Lynn I know you are going through a tough time at the minute but you shouldnt give in to these people. £48 is better in your pocket than theirs. Any Bank manager worth his salt would have cancelled the extortionate charge. Thats why so many DCAs get away with it because they rely on people paying up just to get rid of them

[Tezcatlipoca]

I would add to the letter that ALL TELEPHONE CALLS WILL BE RECORDED they will never know whether you do or not

 

Indeed. You may also like to mention section 127 of the Communications Act 2003, which states:

 

127 Improper use of public electronic communications network

 

(1) A person is guilty of an offence if he—

(a) sends by means of a public electronic communications network a message or other matter that is grossly offensive or of an indecent, obscene or menacing character; or

(b) causes any such message or matter to be so sent.

(2) A person is guilty of an offence if, for the purpose of causing annoyance, inconvenience or needless anxiety to another, he—

(a) sends by means of a public electronic communications network, a message that he knows to be false,

(b) causes such a message to be sent; or

© persistently makes use of a public electronic communications network.

(3) A person guilty of an offence under this section shall be liable, on summary conviction, to imprisonment for a term not exceeding six months or to a fine not exceeding level 5 on the standard scale, or to both.

(my emphasis)

 

I was getting a great many calls from a DCA until I wrote them a letter mentioning that all telephone contact from would be considered an offence under this law; I have never received a single call from them since.

[bach]

Re all of your help for the above

Hi all, Thought I would let you all know I wrote the letter as you suggested asking for a breakdown of their charges etc and guess what not a peep out of them.

Thanks guys saved £48.50 and all the hassel of baliffs etc.

I know its only a small amount, but its great when you do win

Thanks again for all the advice and support,

 

Lynnx

WON WON WON WON

[Justforfun]

You won't hear anything from these LOL

 

Name & Registered Office:

CORPORATE CREDIT MEDIA LIMITED

C/O BOND PARTNERS LLP SUITE 2

1ST FLOOR TURNPIKE GATE HOUSE

BIRMINGHAM ROAD ALCESTER

WARWICKSHIRE B49 5JG

Company No. 03916622

 

Status: In Administration

Date of Incorporation: 31/01/2000

 

Country of Origin: United Kingdom

Company Type: Private Limited Company

Nature of Business (SIC(03)):

7414 - Business & management consultancy

Accounting Reference Date: 30/07

Last Accounts Made Up To: 31/07/2006 (TOTAL EXEMPTION FULL)

Next Accounts Due: 30/05/2008

Last Return Made Up To: 12/02/2007

Next Return Due: 11/03/2008

Last Members List: 12/02/2007

[Justforfun]

Press releases 2007

 

 

Consumer credit licence quarterly update

 

176/07 17 December 2007

The OFT has conducted 61 licensing actions in the third quarter of 2007 (July - September 2007). The OFT refused seven consumer credit licence applications and revoked four existing licences. The OFT also published 12 minded to revoke or refuse notices.

 

Under the Consumer Credit Act, businesses that are involved in consumer credit or hire must have a consumer credit licence. The OFT has a duty to protect the interests of consumers by monitoring the fitness of those holding or applying for licences.

 

Some of the fitness issues taken into account include acts of fraud, theft, dishonesty, physical violence, handling of stolen goods, actual bodily harm, breaching a community punishment order, obtaining property by deception, offences relating to the Trade Descriptions Act, Trade Marks Act, Copyright Act and Protection of Animals Act and breaches of the Consumer Credit Act and other consumer protection legislation.

 

During the quarter we also issued 38 warning or advisory letters. For example, we advised or warned five financial management businesses about the misleading nature of their advertising of Individual Voluntary Arrangements (IVAs). The adverts failed to warn consumers about the potential disadvantages of an IVA such as the effect on an individual's credit rating, the potential implications if the debtor is a homeowner and the fact that any failure of an IVA can lead to bankruptcy. The OFT also warned a licensed debt collection company about a number of issues relating to breaches of our debt collection guidance. These included pressurising debtors to extend their borrowing or pay in unreasonably large instalments, refusing to deal with and/or bypassing third parties and contacting debtors at unreasonable times and intervals.

 

In considering fitness, the OFT takes into account a number of factors carried out by the business or anyone involved in running the business including:

• any offence or conviction of violence or dishonesty
  
• failure to comply with the provisions of the Consumer Credit Act or other consumer protection legislation
  
• consumer complaints
  
• evidence of unfair business practices
  
• evidence of discrimination on grounds of sex, colour, race or ethic/national origin.

NOTES

 

1. The Consumer Credit Act 1974 requires businesses that offer goods or services on credit or lend money or are involved in activities relating to credit or hire to be licensed by the OFT.

 

2. The OFT can refuse or revoke a licence if it decides that a trader is not fit to hold one. Where there are substantiated doubts about a trader's fitness, the OFT issues a 'Minded to Refuse' or 'Minded to Revoke' Notice (MTR). This is a formal notice letting the trader know that the OFT is minded to refuse to grant a licence or to revoke an existing licence. It sets out the reasons for the proposed action with supporting evidence. Under s34 of the Act, the trader has the right to respond to the Notice by making written and/or oral representations to an Adjudicating Officer, who acts for and on behalf of the OFT.

 

3. Guidance for holders of consumer credit licences is available from the OFT website. The OFT has also produced sector specific guidance on debt management, second hand cars markets, and debt collection.

 

4. An adverse determination (a refusal to grant a licence or the revocation of an existing licence) can be appealed to the Secretary of State for Trade and Industry.

 

5. The Consumer Credit Public Register is maintained by the OFT. The register documents traders that hold a licence and any action taken against them. It also details traders that have applied for a licence. Enquiries can be made to Consumer Credit Licensing on 020 7211 8608.

6. Applications refused between 1 July and 30 September are as follows:

Thoros Georgiou, Motor Dealer, Oakwood, London - 414136

Jamie Folkard, Furniture Retailer, Waltham Forest, London - 598094

Gurcharan Singh, Estate Agent, Handsworth, Birmingham- 580759

David Thomas, Accountant, Penpedairheol, Hengoed, 592523

Saints Estates & Mortgages, Estate Agent, Birmingham - 594893

Andreas Georgiou, Motor Dealer, Oakwood, London - 587720

Oakwood Motor Company (London) Ltd, Motor Dealer, Oakwood, London - 566777

7. Licences revoked between 1 July and 30 September are as follows:

Gerard John Joseph Mulligan, Motor Dealer, Lisburn, Co Antrim - 533094

James Pugh, Cash Loans/Hampers, Blackpool, Lancashire - 561101

Michael Anthony Sweeney, Double Glazing, Blackburn, Lancashire - 577403