DCA's - the Good, the Bad and the Ugly

Here's a thread for you all to post up the name of your favourite DCA's and all the underhand, nasty tricks that they get up to, and any you have come across that do abide by the law and act with compassion.

When we get enough of your 'reports' about each company we will then collate them and forward them on to the relevant authorities in the vague hope that they will be made to conduct themselves with a lot more respect for the public.

COME ON EVERYBODY LETS NAME THEM AND SHAME THEM

[Sapphire]

Re: DCA's - NAME AND SHAME THEM

GO DEBT LTD

Phoning up less than 24 hours after sending a letter, threatening bankruptcy and all kinds of other things, the language was appalling, and thats just for starters.

[scottishlass]

Re: DCA's - NAME AND SHAME THEM

Okay here's mine

Buchanan Clark and wells,I overpaid them in 2006 they ignored my calls for a refund they also ignored my letters (4) and emails,until late 2007 when I sent another email and actually got a reply (they probably thought I was owe them money) he then passed it to another office who dealt with it quite quickly and sent a cheque within days.

[ByTheWay]

Re: DCA's - NAME AND SHAME THEM

LOWELL FINANCIAL/ PORTFOLIO/RED DEBT/HAMPTONS LEGAL

Hmmm, where do I start...

Telephone harrassment.
Sending text messages to landline after tel harrassment letter sent.
Repeated threats of court action which isn't followed through (including sending a pre-court letter giving 3 days in which to reply which didn't arrive until day 2)
Ignoring correspondence sent to them.
Sending incomplete SAR info well over the 40 days allowed, and then passing alleged debt onto a different DCA.

Will that do for now?

[Bakedalasker]

Re: DCA's - NAME AND SHAME THEM

GO DEBT LTD

Phoning up less than 24 hours after sending a letter, threatening bankruptcy and all kinds of other things, the language was appalling, and thats just for starters.

We at Carcreditcomplaints discovered that the Managing Director of Godebt William Rhodes owns a museum in Morrocco called Tanjart. We posted this info on our site of which Mr. Rhodes did not like. He then PMed me asking for the post to be removed. I replied to him by posting on our site. Please read post 3 of this link: -

http://www.carcreditcomplaints.co.uk...showtopic=3149

As soon as this post appeared on our site I had the following PM from Mr Rhodes: -

"Bakedalasker

Thank for your note - albeit posted on the site.

The choice is yours regarding what is and isn't posted.

You may not like Go's work, or the Directors but the fact remains that we have done nothing wrong. If wrongdoing has occurred then there are appropriate measures that can be taken against us. That has not happened.

I do think you are taking yourself a little too seriously - as ever you are only prepared to see one side of the arguement. That, although you don't see it, is your weak point.

Both Dave/Admin/Whistleblower and Buzz in the past have shown a degree of fairmindedness. This is something throughout the history of this site you have not managed to achieve.

William Rhodes"

As you can see this guy does not like me much. The feelings are mutual. Anyway according to Mr Rhodes Godebt have done nothing wrong. I'll leave it at that for the moment.

[Delta]

Re: DCA's - the Good, the Bad and the Ugly

Moorcroft are incredibly easy to upset, had a debt with Orange that they took up, so I ignored them and paid the debt over installments direct to Orange, Moorcroft really did not like having to send me the letter telling me that the debt was clear.

Intrum Justica (or whatever), had a debt with them years and years ago, we on a reduced payment plan of £20 a month, of which they were adding £25 a month admin charges. The original debt was something like £500, by the time I had enough of them I had paid somewhere in the region of 1k, so phoned thm up and told them that I was not going to pay them another penny and if they didn't like it then shove it and take me to court..... never heard a peep since.

Currently dealing with Regal Credit, for some money that I owe Kleeneze and completely forgot about, got a final warning letter from them last week (strang how I haven't received any others!), telling me to pay up or phone a premium rate number with my proposal, or they will send a field agent round and I will have to pay them fees for this honour.

Sent them an email stating that I didnt acknowledge the debt to them, that I hadn't heard anything from them prior to this, that I was most amused that they were planning to send a field agent round (and added that I know my rights, and all the gumph about apointments), and then basically asking them to prove that they have the right to collect on this alledged debt.

Got an email back and wouldn't you belive it! due to the DPA they can't give me that info until they have verified my id, so want address, postcode, dob etc etc. Strange how they dont bother about the DPA when they are asking for money and making threats!

Just been and paid half the debt direct to Kleeneze (see if I can pay half of it on one go then you can see it's not a biggie!)

Only other one that comes to mind was BCW wanting me to pay 5k that apparently someone in Stockport owed LloydsTSB, told em where to shove that one, even though they wanted me to send my passport to prove it wasn't me. The muppet didn't believe that I didn't (and still don't) have a passport and accused me of lying to get out of paying th debt! Took that higher up and got them off my back.

[ByTheWay]

Re: DCA's - the Good, the Bad and the Ugly

Another couple I am currently dealing with:

BLS Collections (trading name for Lloyds bank) have been pretty good. They have accepted reduced payments and been quite nice about it. (never thought I'd be writing something like that! lol)

Moorcroft have written admitting they have no signed credit agreement after my CCA request and returned my cheque. They still want me to pay them and as I am not trying to avoid paying what I owe, I might try to negotiate a reduced settlement with them.

I haven't been dealing with JB Debt Recovery for very long, but what I have experienced so far has been pretty dismal. After a long battle with Lowell I had a letter from them stating they were acting on behalf of Lowell. After I sent them a letter stating the account was in dispute and wouldn't correspond with them I have had a couple of nasty calls from them. In the first, the caller didn't even go through security checks, barged straight in threatening me with court. I told him to go ahead and I would relish it. He was at a loss for words lol. A week later I had a F&FS letter from them. I filed it. The second call came last night, at approx 7.20pm, at least this guy did ask me to confirm my name and first line of address. Again, he was very rude and threatening. He wanted to know why I had SAR'd Littlewoods and why I wasn't paying Lowell. When I refused to discuss things with him he said it was pointless talking to me, mumbled something about passing me onto collections and slammed the phone down. Another company who keep threatening court action and so far haven't followed through.
Not a very nice company at all!

[enaid]

Re: DCA's - the Good, the Bad and the Ugly

Link Financial

Have been having a nosy (not like me is it?) This little lot seem to be behaving rather badly, I am putting it here in case anyone has to deal with them

They are apparently phoning neighbours and family to ask them to pass a message onto you, also putting hand written notes through your door asking you to phone them. Very naughty imo.

[ByTheWay]

Re: DCA's - the Good, the Bad and the Ugly

JB Debt Recovery....... In the first, the caller didn't even go through security checks,

Had another call today where the caller didn't ask me any security questions at all, apart from my name!

[Curlyben]

Re: DCA's - the Good, the Bad and the Ugly

My personal "favourite" are RMA/NCO.
Nice people that simply have ZERO grasp of CCA and what it entails.
I had no less than 15 calls a day for a couple of weeks, but then I changed my phone number and "forgot" to tell them.
They claim to be a phone based DCA, yet are happy to send the usual threatening letters.
Oh well their lose really as they soon passed the debt on.

Also I have a "friendship" with the Leeds outfit and have been working with TS concerning their unsavoury business practice, including a recent flurry of SD'd for statute barred debts.

[ByTheWay]

Re: DCA's - the Good, the Bad and the Ugly

Also I have a "friendship" with the Leeds outfit and have been working with TS concerning their unsavoury business practice, including a recent flurry of SD'd for statute barred debts.

Are JB included in that CB? They are a part of Lowell and are a horrible bunch. Also, Asset Collection & Investigation Ltd, which, funnily enough, came in an envelope with JB's return address on it. They even have the same tel number, they must think I'm stupid!:rolleyes:
When I googled Asset I didn't find much info, a recent addition to the Lowell group maybe?

[tomterm8]

Re: DCA's - the Good, the Bad and the Ugly

i rather enjoyed mackenzie hall. After a (very) brief attempt at harassment, they ran away with their tail between their leg. Maybe the fact I knew about the Financial Ombudsman Service might have something to do with that.

[LuggerBugs]

Re: DCA's - the Good, the Bad and the Ugly

The Cabot Cabal. I'll be almost sorry to see the back of them. It's been fun so far.

Although Fredricksons are now on the scene. Mrs LB had a disagreement with one of her catalogue companies last year, and queried why the interest had suddenly increased. Their answer was to pass the account on to NDR (She hadn't even missed a payment FFS!!!), who phoned and was REALLY horrible wanting her to pay off the account. One CCA later, and NDR "accidentally" crediting the £1 fee to the account meant that we decided they were being silly and sat back to see what would happen. Well, this morning Fredricksons were what happened. So I told them it was in dispute and why, and that THEY would be next to get a CCA request. Haven't told them not to phone. Yet. I could have a lot of fun here too. Could they be the next Cabot???? We'll see.

[Curlyben]

Re: DCA's - the Good, the Bad and the Ugly

Fred's inhouse solicitors are a pain.
They like to breach the County Court Act by filing claims for PART of the debt and saying they will come back for the rest at an undisclosed later date.
This is NOT allowed and reports have been filed with the appropriate authorities

[Paule]

Re: DCA's - the Good, the Bad and the Ugly

I had a tinkering with HFO over an alledged debt

They seem to have given up now, after Trading Standards got involved.

They even did the fake assignment letter as well.

Their version of proving a debt was to send an old bill..lol

I had one letter from their solictor, its on the site, and since my reply they disappeared as well.

BUT HFO use the sneaky tricks to confirm who you are, like the fake 'Missed Delivery Slip' which strangely are sent through the post??

PKea