UK Debt Collectors - Attack of the Killer Doughnuts!

[theoriginalbensteele]

'SHITE'!

Brilliant.

[Ecad82]

When debtors are requesting copies of the signed CCA what are are they trying to say? That they didnt take out the credit? That they haven't had the money, spent it, and now don't want to repay it with interest as was the agreement. Makes me laugh, all you find on here is people offering advice on loopholes to squirm their way out of paying like a worm.

[dcamaggots]

@Ecad82

The laugh's actually on you - When you learn the difference between loopholes and clear government legislation, then you may not end up being laughed at. :)

[Ecad82]

When debtors are requesting a signed copy of the cca

[USAisgay]

Hi dcamaggots I got a outstanding bill with British gas and a company called srj is collecting the debt right now and I cant make the 5 pound a month payment in my current financial position (on jsa with fines etc)… I said I can only make 2 pound a month they refused saying they need proof my income is that low to accept it, I thought they had to accept whatever you offered to pay… can you confirm thank you for reading

[dcamaggots]

@USAisgay

Sorry about the late response. SRJ I'm not familiar with, but you're right in saying they have to accept what you can afford. If they don't, they lose out and you lose nothing. Are they going to take you to court over £3? They'd have to exceed the expected levels of stupidity of such a company if they were to do that.

[USAisgay]

@dcamaggots i got to reply for the late reply as well... srj asked me to sent my bank statments to them i didnt as i dont trust them.. so i called up saying he has moved address, now its with past due credit collections.. everytime i say he doesnt live here havent paid a penny since my first comment thanks for the info vids btw

[butterfly4869]

@USAisgay - Yes, proof of income and expenditure would need too be sent through.

[kingwaldo100]

If you are serious in debt, just go bankrupt !!!. Forget the FSA, OFT AND OFFICE OF FAIR TRADING. If you take your cases to the Financial Ombudsman Service, be careful !! ( I shut my mouth ). The infrastructure has collapsed with knowledge and standard. Act, compliance, risk management, guidelines etc not being acknowledge.

Dont be bullied and start again, keep your family together.

[rodjames98]

JimbcaggerC

Of course its the talk of a debtor, who in this day and age is'nt a debtor? You do'nt half talk some crap.

[JimbCaggerC]

Dirty? Arrogant. That sounds like the talk of a debtor!

If you paid your bills as you AGREED to do, who would ever call you?

remember guys debt collectors pay taxes, debtors dont.

[dcamaggots]

@JimbCaggerC

If the creditors kept paperwork in order as they AGREED to do by law, people wouldn't have a case to argue.

But, because the creditor fucks up, they deserve no sympathy when they get nothing. QED.

Everybody pays tax in the UK. What do you think VAT is? Jackass.

[hussainlex]

great info as usual,thanks.

[73north]

I have never been more browbeaten with NCO , I was accused of ' not listening ' when I refused to pay any money - they try to threaten you with Court Proceedings - and a CCJ ( Country Court Judgement ) if you don't pay - if your debt is below £ 50 approx - this is a lie , as it would lose money for them if they take you to court

Don't Give In - refuse to answer calls .........and hang up - delete any messages - and follow this guys advice

He is the real deal :-)

my advice

[dcamaggots]

Wise words, 73north, wise words...

Sorry to keep at the Truecall plug, but this is a really good way to defeat the call problem.

If you don't want to take their calls, you don't have to, but Truecall will keep a precise log of dates and times they've attempted to call.

It's a godsend, and if you're wanting to bring any cases of harassment against any such companies, it'll serve as excellent, irrefutable evidence.

[73north]

first rate................

[dcamaggots]

Oh well, Limitations Act seems a no-go then.

Still, that doesn't excuse First Credit's arrant behaviour, which should be made clear to any and all arbitration bodies involved.

I still recommend posting on CAG (but don't reveal any details that can personally identify you).

If you've sent five separate CCA requests without response, it's a good sign that the original CCA is unobtainable.

You know you can legally stop paying if the company has defaulted on a CCA request?

[themagicangel]

i meant that i had the card six years ago... but only stopped using it 3 years ago. hope that helps.

richard

[themagicangel]

nah... its more like 3 years..

where does that leave me..

i move around alot so i assume they have just been sending statements to my old addresses

[themagicangel]

can there ever be a situation where they can actually FORCE me to pay?

i mean, the credit card is maybe 6 years old... severely doubt they have the original agreement. where do i stand if i just say,,,,, "fuck you... not a penny. never".

what happens then?

[dcamaggots]

Are you saying that no acknowledged payments or written acknowledgement of debt has happened in a full 6 years?

If you are, then it falls under statute of limitations. That means NO COURT can force you to pay, and as far as the law goes, you're in the clear.

Consumer Action Group will go much more into that, but the relevant passage of law is The Limitations Act 1980.

If TLA80 applies to you, and I hope it does, then you can tell First Credit to take a running fuck at the nearest brick wall.

[dcamaggots]

Oh, I don't think anybody in the world hates LTSB as much as I do.

I'd happily see them go under, and if it happens, my grin would be so wide you could see it from the Moon.

And no, LTSB are going to get nowhere with me - I shall continue to be as awkward with them as they have with me.

I didn't ask for my taxes to bail them out, but since we've both (indirectly) rescued them from oblivion, I don't think they should be paid a penny or have a right to ask for anything by anyone in the UK.

[themagicangel]

okay mate.. thanks for the advice.

i think i may actually have found someone who hates lloyds tsb as much as me.

i actually enjoy arguing with DCA's man... but when they play dirty [and they have your work phone number] it can be a little embarassing.

my company have even complained to the police about them [they have called me 4 times in an hour before when i kept hanging up on them]!

lloyds tsb can go fuck if they think they are getting a penny out of me! stay strong man!

[dcamaggots]

Besides which, if we were to pay them, we might be done later on under Prevention of Terrorism laws.

Remember the $350 million payment LTSB paid under the table to the USA after it was caught funnelling money in and out of Iran and The Sudan?

Too big a risk to take. I wouldn't want to end getting water-boarded because I paid LTSB money to which they're not entitled.

[themagicangel]

PART 2

predictably.... i got a call from first credit the other day asking for the full balance. i have sent the standard cca letter no less than 5 TIMES [each time with postal order and have kept receipts etc etc etc] but each time they have simply said they have never received it!

where should i go from here?

cheers mate, any kind of advice would be helpful.

[dcamaggots]

I take it you've sent the letters recorded delivery?

If so, take it to yours and their local Trading Standards, report it to the OFT (First Credit are popular with them at the moment!), and go through First Credit's own complaints procedure. When that resolves not to your satisfaction, take it with the Financial Ombudsman Service as well.

5 CCA requests for the SAME company??? Outrageous!!! And entirely illegal.

[themagicangel]

PART1

hello mate [me again]. was wondering if you could help with some advice...? ill keep it simple.

i had a credit card with lloyds tsb about 3 years back. i paid it all off except a balance of £12.34 which is a small disputed service charge.

forgot about it for 3 years... then about 6 months ago got a statement from TSB asking for £485! they had charged me 30odd quid every month for non payment!

anyway... i refused to pay and sent all the usual letters.

predictably..........

[dcamaggots]

As for LTSB, don't get me started. They're largely the reason why I'm doing what I'm doing.

LTSB are notoriously arrogant on charges. If the debt is virtually all charges, get your claim in.

Also, the complaints procedure/FOS/OFT/TS avenue should also be pursued to the full. Depending on the TS office, they may try to fob you off (I'm going through a problem with two at present!), but don't give in.

Complain to the MPs for your area and their area as well if you have to.

[easterndolly]

thanks for the info maggots keep 'em coming

[dcamaggots]

Hopefully, the next report will be even more optimistic. Might see a few DCAs and banks crashed and burned.

Here's hoping...