Letters from DCA's - Some sample letters you may have received

[Garlok]

Re: Letters from DCA's - Some sample letters you may have received

It is my view as well CC that the whole financial sector including the big banks and DCA movement, (I refuse to call them an industry that is a contradiction in terms) actually run a covert policy which is criminal to exploit and harry anyone who exposes a weakness to them inparticular those who may have property and have tried to discuss the diagnosis of a serious illness with them.

Our allegations of such in writing have not been denied in over 2 years now. The useless corrupt regulators do nothing and the police ------ well??????


regards
Garlok

[CleverClogs]

Re: Letters from DCA's - Some sample letters you may have received

It is my view as well CC that the whole financial sector including the big banks and DCA movement, (I refuse to call them an industry that is a contradiction in terms) actually run a covert policy which is criminal to exploit and harry anyone who exposes a weakness to them inparticular those who may have property and have tried to discuss the diagnosis of a serious illness with them.

Our allegations of such in writing have not been denied in over 2 years now. The useless corrupt regulators do nothing and the police ------ well??????

"It's a civil matter, sir" is their usual litany, even when a crime has clearly been committed.

I have little doubt that not yet having transferred the Land Registry details of my house into my name from those of my deceased parents may have been all that prevented the rapacious rogues at RBS from attempting bankruptcy proceedings against me when I had problems with my overdraft.

[CleverClogs]

Re: Letters from DCA's - Some sample letters you may have received

Hi All

This is a fab one from Capquest. This was sent AFTER they had agreed to a payment plan, and had been receiving payments! Notice the heavy emphasis on the bailiffs and seizing goods, and how they make it sound like its an almost foregone conclusion that this will happen.

Not sure what they mean by 'relevant validations and checks will be completed'?!

Wasn't it obvious?

Their solicitors, having grown weary of being made to look like know-nothing numpties, have probably insisted that CrapQuest checks again that

(a) the alleged debtor actually exists,
(b) that the alleged debtor still owes some money to the original creditor,
(c) that the debt is not statute barred and
(d) that, in the last six years, the alleged debtor lived at the address to which their threat-o-grams have been sent.

[CleverClogs]

Re: Letters from DCA's - Some sample letters you may have received

DCA movement

I know the difference is alimentary, but are you sure you'd not rather call them an eruction or a defaecation?

[mr.ton]

Re: Letters from DCA's - Some sample letters you may have received

It is my view as well CC that the whole financial sector including the big banks and DCA movement, (I refuse to call them an industry that is a contradiction in terms) actually run a covert policy which is criminal to exploit and harry anyone who exposes a weakness to them inparticular those who may have property and have tried to discuss the diagnosis of a serious illness with them.

Our allegations of such in writing have not been denied in over 2 years now. The useless corrupt regulators do nothing and the police ------ well??????


regards
Garlok

Are you suggesting this whole industry all could be part of a wider conspiracy? - surely not

[charitynjw]

Re: Letters from DCA's - Some sample letters you may have received

I prefer morrcroft's other desk

~ Pre-Litigation Division

They also have a ~Pre-Home Visit Division as well, but I have only ever received one of those..

I really should ask them what's with the ~

After many months of careful consideration, I've come to the conclusion that it is a curly, ben!

[Crispybacon]

Re: Letters from DCA's - Some sample letters you may have received

Wasn't it obvious?

Their solicitors, having grown weary of being made to look like know-nothing numpties, have probably insisted that CrapQuest checks again that

(a) the alleged debtor actually exists,
(b) that the alleged debtor still owes some money to the original creditor,
(c) that the debt is not statute barred and
(d) that, in the last six years, the alleged debtor lived at the address to which their threat-o-grams have been sent.

Well their checks and validations still didn't do them any good as the numpties kept getting my address wrong. Only reason I am getting them in the first place is because the local post office picked up on the fact and started posting the letters to the correct address!

[mr.ton]

Re: Letters from DCA's - Some sample letters you may have received

Moorcroft also have a pre nursery school division i believe?

[Crispybacon]

Re: Letters from DCA's - Some sample letters you may have received

Moorcroft also have a pre nursery school division i believe?

Na cannot be - that would suggest an element of learning and education takes place.

[mr.ton]

Re: Letters from DCA's - Some sample letters you may have received

Na cannot be - that would suggest an element of learning and education takes place.

Brain cells have to start being active from somewhere for them

[MIKE770]

Re: Letters from DCA's - Some sample letters you may have received

It!s Elementary Dear Watson.

[Mr D]

Re: Letters from DCA's - Some sample letters you may have received

Fantastic thread.

I've been getting continuous letters from Legal Redress in Swansea about their share of my PPI wins. These letters go to my old address and I obtain them when I visit family back up in Scotland. Legal Redress have also been calling my old mobile number, the phone I gave to a friend. They don't believe him, even though he is blue in the face explaining this. He texted me tonight, he recieved a text from Legal Redress.

I refer to our invoice dated 08/11/12 which remains unpaid. Unless our invoice is paid within 7 days of the date of this SMS, we will instruct a debt collector to recover the debt. Legal Redress LTD TEL 01792 293049

Check out the date^^^:tinysmile_aha_t:


I've now got a pile of threatening letters about court action if payment hasn't been made in full in 7 days. I've just ignored them and still they keep giving me 7 days(maybe they are in the wrong with these demands in the first place). I also received 1 email from this mob. I simply said that I had forwarded it to my solicitor. That was weeks ago.

I'm glad now that I have ignored this shower since reading this wonderful thread.

[MIKE770]

Re: Letters from DCA's - Some sample letters you may have received

Another of those thiefs who want monies for passing your details to to a LLP firm and charging 28% no doubt, has anybody heard of any of these crooks taking anybody to court?? answers I have heard is NIL, a point a DJ would frown on has been mentioned. Ignore them unless they come up with anything but threats.

Your friend can report them for Harrasement to his Regulators also inform them that he will charge them £18.00 per item of letter or telephone call received.

[Mr Morden 76]

Re: Letters from DCA's - Some sample letters you may have received

Hi there, just thought i would mention that I received a letter exactly like the DVSL one on this thread.

Two and half years ago i moved out of the UK for work reasons (uncertain as yet whether it will be a perminant move) and this letter was forwarded on to me from a friend whos address i gave for any odd UK mail. Oddly though, they got all the details correct, except the number of my UK appartment.

Since that have not provided any contact details other then a *freephone:tinysmile_hmm_t2:" number i decided not to bother replying. Looking on here i am glad i didn't

[Hassled!]

Re: Letters from DCA's - Some sample letters you may have received

Quick query. I have had the DVSL letter asking if I resided at a certain address which I ignored having seen threads on here. One week later I had another from HL Legal saying that DVSL are their clients, they had established a link between me & the previous address & that it would be OK to respond to DVSL and giving some bona fides in the shape of references to the Companies House, OFT & SRA websites. In both cases there were guarded threats about how if I responded I could ward off unsolicited calls and letters from "other companies who have access to the same information as our client".

About the same time my retired parents, with whom I lodge, started getting some odd calls which invited them to press various numbers to accept calls. As they are part of the TPS they did not do so, but made a note of the phone number which turned out to be the CapQuest one.

I then received a letter purporting to be from a financial institution saying they had handed my account to CapQuest & one from CapQuest claiming I owed a certain (admittedly not huge amount) as at a date a short while back, but within the Statute Barred time period. Now I did once have an account with said financial institution a long time ago, but wrote to close it about ten years ago including my then current address. I had also left a forwarding address at my old rented flat and had no further communication either from me or from the financial institution .

Therefore I didn't send a "prove it" letter to CapQuest, just the next stage one that cites the s 5 of the Limitation Act 1980 rules & the OFT guidance on s 40 (1) of the Administration of Justice Act 1970. This was returned with a handwritten note saying I needed to supply a valid "account number" with CapQuest even though I had quoted their own reference. On the same day I received another more threatening letter from CapQuest.

I have replied citing the s 5 of the Limitation Act 1980 rules & the OFT guidance again, but subsequently my parents received a telephone call when I was out. I belive I am completely in the right here, but as I travel a lot for work & pleasure is there any way to stop this correspondence & also the telephone calls as they are worrying for my family?

In short (a) can I be "punished" because the financial institution did not act on my letter of c 10 years ago closing my account & also had not tried to be in touch in between; (b) would I have to prove I had closed the account as I have got rid of a load of paperwork as a result of house moves & on the whole didn't feel I needed to hold on to stuff about business a decade old; and (c) while we have blocked the CapQuest telephone number is there any way to stop them being in touch if they keep saying "we can't find this account"?

Edit to add:

The number supplied to ring CapQuest is an 0844 one. I read elsewhere that DCAs should not use this kind of number, is this correct?