debt collectors chasing me

[wales01man]

Sitting here thinking i would like to try and get an answer to this
As im now being chased by a dca for a 4 year old debt the chain of threatning letters has started im wondering what they can do as i will never answer a letter from them never call them and they cannot get my phone number as everone knows one of the threats is a doorstep collector if one calls and i say they have the correct name for me before they cold ask anything of me i would have to answer security questions which i wont apart from a ccj what if anything can they try whatever they try they wont get any money the debt is to a bank the one that pulled the plug on me causing the loss of 2 businessess and our home they like the dcas they employ can take a leak off

[Curlyben]

Re: debt collectors chasing me

Depending on the DCA they may simply fire off a Northampton Bulk Claim at your last known address.
Other than that not a great deal TBH.

[bluebottle]

Re: debt collectors chasing me

What sort of threats are they making? Some threats are a definite no-no where the OFT is concerned. If the threats fall within the no-nos listed in the OFT's Debt Collection Guidelines, then the DCA in your case could be in the brown and smelly stuff with the OFT.

As for the matter involving the bank, has this been investigated by the regulators or the Insolvency Service?

[wales01man]

Re: debt collectors chasing me

thanks forquick replies the threats are the usual nothing sinister in them the bank already have a ccj on me from 2008 which i have paid nothing on they put a charging order on the house 4 days before it was repossed despite me telling them it was happening my last address they had before finding me here was that house i wonder how they got this address im not on electoral role only thing is my santander card accout and that is nearly 30 years old so no new application for an accountwhatever they threaten or do i will not pay i also have no assets atall im just wondering what might happen and think it might help others

[pepsie]

Re: debt collectors chasing me

If we are talking debt collector as in the only arm of the business then they will have bought the debt for peanuts and hope that by harassing you with letters/phone calls/ threats and the odd doorstep visit your just going to give in and cough up...finding you is easy.... they buy info from ulility companies. online store transactions even a bus pass list from your local transport service is up for purchase...so they can and do have many ways to track you down....recently a friend of mine after staying untraceable for many a year, got a knock on the door from a DCA..friendly enough guy who knew he had less power than a light bulb but her curiosity made her ask how he got her address....BINGO and I mean that literally for she had in fact joined an online bingo club only a few weeks previously?????

Pepsie

[Inca]

Re: debt collectors chasing me

They say gamblings bad for you Pepsie

[pepsie]

Re: debt collectors chasing me

They say gamblings bad for you Pepsie

I did tell her she should have read the small print for 'gambling awareness', she quickly retorted 'life's a bl**dy gamble but it doesn't come with a warning' lol

Pepsie