Turning DCA's on their own kind - can it be done?

[Crispybacon]

Hi All

Ok its a Friday and I'm feeling more than a little mischievous!

I was thinking (always a dangerous thing!) after my recent experience if a DCA fails to respond to a reasonable request for information but keep sending you letters to which you have to spend 'considerable time and effort' to which to respond that I could bill or invoice them for that time (something reasonable like £25).

When the DCA (inevitably) refuses to pay the invoice I was then thinking of finding another DCA (operating on a no collection, no fee basis) to chase up the debt.

Could you even get a DCA to enter into a contractual state by saying something like

'If you respond to this letter, and not provide the information reasonably requested, further correspondance from me requiring my considerable effort will be charged at £x'

Plausible?

Crispy

[Sapphire]

Re: Turning DCA's on their own kind - can it be done?

Fab idea Crispy, dunno if it would be plausible but would certainly be interesting.

[mr.ton]

Re: Turning DCA's on their own kind - can it be done?

Using the power of the internet & email etc....i think anything is possible.
Ive even managed to play 2 DCA's off against each other in the past - was hillarious

[pompeyfaith]

Re: Turning DCA's on their own kind - can it be done?

indeed it can work, but you have to ensure there is a valid dispute on the account first whether that be with the fos or fsa meerly putting it into dispute yourself is not good enough grounds

You also have to send them a warning letter first stating any subsiquent letters will result in a charge for my timely responce

I have done this with moorcrofts on a loan that was disputed and in the hands of the fos due to missold ppi suffice to say i have heard no more from them
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but it did put them on notice that i was not going to take anymore of there crap and if it carried on it would cost them £35 a time and that i was prepared to enforce in court for non payment

[pompeyfaith]

Re: Turning DCA's on their own kind - can it be done?

This is the letter I sent to Moorcroft

[pompeyfaith]

Re: Turning DCA's on their own kind - can it be done?

As you can see by the letter above I was well within my rights as it was a valid and legit dispute.

Unfortunately I have not as yet had the pleasure of billing them as that letter did the trick and i have heard no more from them

PF

[Crispybacon]

Re: Turning DCA's on their own kind - can it be done?

Hi All

Thanks for taking time to add to my post, for me its certainly an interesting concept.

I almost hope for an opportunity to use it!

Crispy