GGGRRRRR Morecroft THUGS - hear the wrath of Mike St Helens.... after a night shift !

Tootsie_Roll wrote:

I really have found this thread to be quite funny - rog2 you are now attacking someone who although works for a dca has plainly stated he agrees with you and asks a reasonable question .

I have stated above that I was unhappy with the tone of the reply that I got from Tootsie Roll. For the benefit of my own curiosity, and of possible interest to other genuine people on this board, I decided to have a quick look at Tootsie Roll's profile and some of the posts made by same.
I find it a little strange why, given the time that TR has been a registered DFW? there are no threads started by her/him.
Equally, looking through a random selection of TR's posts, I find it disturbing to see that the majority appear to follow a similar vein i.e. telling DFWs that they basically know nothing, other than how to 'avoid facing up to reality' and that DCAs can more or less do what the hell they like - it not being up to us to question them. For the purposes of legal proprietry I must state that this is MY opinion and I am not speaking for anyone else. However, looking at the comments that TR's threads have generated from other DFWs, I would be surprised if I was the only one to hold this, or a similar, opinion.

I wish to state publicly, or as publicly as this forum will allow, that I have put Tootsie Roll on my Ignore List.
I may not know exactly what the ignore list is, or does, as I have never used it before. I do, however, hope that it means that I will no longer be subjected to any similar unsolicited and ill-informed comments from the aforementioned Tootsie Roll.

Mike_St_Helens wrote:

You say that most DCA's stick to the rules laid out by the OFT - What a load of PAP, I and I probably think a lot of people who have rea this thread agree that they have at sometime been bullied, harrassed, intimidated by these firms.

No - I'm really serious, I do not know a single Collections Manager/Director of a dca that does not comply with the regulations. As I mentioned though, I think the confusion comes in the interpretation of the guidlines and accusations made. Your bullying, harrassment etc may not be mine. As I also mentioned I am sure that there are rogue collectors out there who do do this and they need to be reported.

Mike_St_Helens wrote:

Obviously you have never had the 'customer' facing experience of these firms have you. Try and ask to speak to a manager, you will simply get laughed at... and then again asked when will you pay us more money.

Sadly I have so know exactly what it's like. It was a long time ago and I nearly lost my home. Does that make me a gamekeeper turned poacher or the other way round ?

Mike_St_Helens wrote:

You also state that most people have avoided the problem and that is why it ends up with a DCA I disagree completley. I have faced my issues, just like most people on this board.

You certainly have faced up to your problems now - but did you from the moment you knew there was a problem - before they had to write to you ? If you did I can confirm you are in a very, very small minority.

Mike_St_Helens wrote:

Thank you for your post.

Thank you for reading.

http://www.financial-ombudsman.org.uk/news/updates/2006-06-consumer_credit.html

Many people on here may already know this certainly, Robinson and tootsie will know as they are top DCA's, but from next April 2007 DCA's will not longer be regulated by OFT they will in fact be regulated by FSA - the FSA may not be perfect but they will certainly kick A*s and bottom feeders like McKenzie Hall who try to collect statue barred debts will certainly notice a huge change.

Re Tootsie ridiculous comment on how he feels all DCA's adhere to their guildlines here are just 3 examples from Westcot over a debt they bought from MBNA, I should clarify by saying they were contacted by myself and cccs as soon as MBNA sold them the debt to move payment from MBNA to them.

"we recommend someone in your position should remortgage to pay off this debt" - my position was I had been diagnosed with ovarian cancer and 2 months later with breast cancer!!!!!! - to fair they were sold a real pig in a poke by MBNA who couldn't offload this debt quick enough!!

"we are going to send 2 men around to your house in a white van with debt collectors written on the side"

"we are within our right to contact your family and neighbours about this debt"

You really couldn't make it up.

My OH used to deal with a debt collection agency that had the death march as their hold music and they used it at every opportunity. Gits.

sparkle84 wrote:

http://www.financial-ombudsman.org.uk/news/updates/2006-06-consumer_credit.html

Many people on here may already know this certainly, Robinson and tootsie will know as they are top DCA's, but from next April 2007 DCA's will not longer be regulated by OFT they will in fact be regulated by FSA - the FSA may not be perfect but they will certainly kick A*s and bottom feeders like McKenzie Hall who try to collect statue barred debts will certainly notice a huge change.

Re Tootsie ridiculous comment on how he feels all DCA's adhere to their guildlines here are just 3 examples from Westcot over a debt they bought from MBNA, I should clarify by saying they were contacted by myself and cccs as soon as MBNA sold them the debt to move payment from MBNA to them.



"we are going to send 2 men around to your house in a white van with debt collectors written on the side"

"we are within our right to contact your family and neighbours about this debt"

You really couldn't make it up.

The FSA will be good news for the industry and will hopefully quash all the rubbish that is spouted about dca's all the time. I wonder how many of the usual complaints about dca's will disappear once the FSA get involved and people start to realise that you often don't have a leg to stand on. In a past life I used to be the person who issued the deadlock letter before it went to the Ombudsman - often I would pay out just to get rid of the complaint as it was easier and cheaper this way. These days with all of the call recording that goes on the dca's wont have to do that and can send a copy of the call to the Ombudsman. In addition, just because a debt is Statute Barred doesn't mean the person doesn't owe it and any company are quite within the law to ask for repayment - why do people have such an issue with that ?

This statement;
'"we recommend someone in your position should remortgage to pay off this debt" - my position was I had been diagnosed with ovarian cancer and 2 months later with breast cancer!!!!!! - to fair they were sold a real pig in a poke by MBNA who couldn't offload this debt quick enough!!''
Actually I don't find anything wrong with - they haven't tried to force you into it and have made a good suggestion if you have the equity in your home - remember if it went to court the judge would look at your overall finances including any equity you may have.

The other two comments are just daft and should be reported.