UK Debt Collection Agencies - Oh dear! A CCA Request - what now?

Again, as pointed out in previous messages, one of the greatest weapons you can have, is a Consumer Credit Act 1974 request. Such a request stops a dishonest collection agency in its tracks, and before they can resume having any dealings with you, they HAVE to fulfil that request (if they can!).

However, this is not always the case some agencies may try to continue their illegal pursuit even after they receive your request. Included are examples of such replies you may receive after the company gets your request and cashes your £1 statutory payment included with the request.

Obviously, the kind of reply assuming you get one at all will vary from agency to agency, but I have included some of the wider examples here. If the agency youre forced to deal with is named here, then this clip is intended for you to pre-empt their next move.

Apologies in advance for the low voice, but I had a bit of a cold when I did this one.

Finally, remember they've got an old 'carrot-on-a-stick' trick.

Don't be tempted to fall for the 'short settlement' offer that suddenly arises just as they've received your CCA request (what a coincidence!).

If you get such an offer, do NOT take it - they're literally trying to get what they can from you. When it happens, smile and feel good about yourself, because it's a very good sign that they can't fulfil your request, and thus, can't inconvenience your life any further...

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[MrSilentSamurai]

Is it likely that Link Financial would have a copy of the CCA from a 1993-1996 Student Loan?

[dcamaggots]

@MrSilentSamurai

Student Loans wouldn't fall under CCA, but has there ever been a full 6 year period where no payment or written acknowledgement of debt has happened?

[MissFireballxl5]

I was wondering, if you respond to the debt collectors letters are you not acknowledging you are "at" the address so creating "joinder"? I was also told by a cab advisor, not to acknowledge a debt! I would love to know a real humdinger of an action that just sends them running. I am so annoyed at being drawn into credit card scam. The so called debt is bounced from agency to agency, now with pink letter paper - what about "no contract - return to sender"? Anything thats solid action??

[dcamaggots]

@MissFireballxl5

No, you're neither acknowledging or denying it - you're asking the collector to prove their claims. All they have is a name - it doesn't mean it's the actual person they're looking for, but then they're not that bothered about that. They just want to be paid, and they don't care who from.

[MissFireballxl5]

@dcamaggots - ok, thanks I get that in theory, the issue seems a little complex on my part as the card once belonged to my bank. I sent you a private message to explain there maybe a different scenario. Or not....

[dalbenton]

what converter did you use on this Video ?? its well pixeled

[kingwaldo100]

If you are seriously 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. The levels of people's competency is well below par.

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

Ex ...... under FSA

[hearts76100]

Debt collectors are just as bad as traffic wardens

[ukbands]

@JimbCaggerC the Debt collectors are scumbags, everyone has the same human rights, including the Debt collectors.