Dealing with DCA's

[CleverClogs]

Re: Dealing with DCA's

OC - Original Creditor
DCA - Debt Collection Agent

Any others you're unsure of ?

MFSOB ?

[The Debt Star]

Re: Dealing with DCA's

MFSOB ?

rofl

[CleverClogs]

Re: Dealing with DCA's

How can DCA's be made to work for their money in the case of Utility Bills? As I have a few hounding me and need some urgent help with them please.

Which utility companies are involved and how much is allegedly owed?

You may have better results if you start a new thread in the appropriate section - link.

[chrisjones60]

Re: Dealing with DCA's

Just seeking a bit of clarification from all you learned lovely people, I am repaying my debt to Castlebridge DCA at £25.00 a month I borrowed £400 (from a Payday Loan Co) am I right in thinking that I should repay the £400 plus a months interest (£100)?

[Barrington]

Re: Dealing with DCA's

Quick question on this thread - how much is the content is still valid after the 2009 Carey v HSBC case and current OFT guidelines?

I note for example a "true" copy of an agreement as a result of 77/78 request DOES NOT now be required to be an actual signed copy but merely a reproduced copy of what you would have signed...

Is there a later thread I should be reading?

I am currently facing a bankruptcy petition hearing containing alleged debts I have no knowledge...

[labman]

Re: Dealing with DCA's

I believe for the sake of a court hearing a true signed copy is still needed. For a CCA s77/78 request a reconstituted copy is acceptable, but not for court. I stand, of course, to be corrected, but that is my understanding.

The Carey case did change things without a doubt, but there is the issue of whether you are the defendant or claimant.

[pault52]

Dealing with DCA's credit security

hi had a letter from credit security lts

marks and spencer £477


i wrote to them that i do not recognise the above debt

they have stated in order to clarify the the position for our client to forward a copy credit agreement and statement would ask you to forward a fee for the sum of one pound

i have had my credit file and no debt is recorded against me thanks paul

[CleverClogs]

Re: Dealing with DCA's credit security

hi had a letter from credit security lts

marks and spencer £477

i wrote to them that i do not recognise the above debt

they have stated in order to clarify the the position for our client to forward a copy credit agreement and statement would ask you to forward a fee for the sum of one pound

Cheeky buggers!

Do you owe any money to Marks and Sparks, or does anyone in your family?

If not, then either tell them to get bent, or ask them if they understand that they have suggested you should obtain personal data of someone else and thereby contravene the Data Protection Act 1998.

[Cally]

Re: Dealing with DCA's

Just wanted to say that the letters provided here were amazing! I had absolutely no idea about the legal loopholes that DCA's try to avoid, and it certainly explains a few of my experiences! Fantastic thread and clearly a lot of work went into it.

[Curlyben]

Re: Dealing with DCA's

They are a little old, but generally sound.
Also we don't deal in "loopholes" but actual statute law, sorry personal bugbear of mine..

DCA's should always be put to strict proof that the debt they claim is owed is lawfully acquired and valid.

[Celestine]

Re: Dealing with DCA's

test post (ignore)

[golfillini]

Re: Dealing with DCA's

Hello there

Do you have any experience with regards Full and Final settlemetns.

I have been offered a lump sum to settle my unsecured debts but this amounts to about 20% of toatl sum owed.

Is it worth me offering this sum and what are the chances of them accepting it.

Regards

Golfillini

[CleverClogs]

Re: Dealing with DCA's

Offer 10% first.

[Curlyben]

Re: Dealing with DCA's

Offer 10% first.

ONLY after they have proved their lawful rights to these debts of course..

[CleverClogs]

Re: Dealing with DCA's

Isn't that obvious?