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Fed up with DCA's
ness455
Posts: 28 Forumite
I am so fed up. Since my Bankruptcy, I have had numerous letters form DCA's requesting money or they will take court action. I telephone them each time to give them my bankruptcy details, here nothing for a month or too, them I receive yet another letter from a different DCA (i am going mad):mad: I presume they have bought the bankrupt debt and are pursuing to claim money. Worst of all, they have even targeted my brothers house as the have some how linked him to me (I have no financial link with my brother) he now receives several letters a week from DCA's. What do I do to stop this constant bombardment of letters and demands form these awful companies.
I have been discharged in 2007 and just want to start a new debt free life.
Does anyone know if each time a DCA buys my debt, does that then go onto my credit file???
I will send off for my files this weekend.
I have been discharged in 2007 and just want to start a new debt free life.
Does anyone know if each time a DCA buys my debt, does that then go onto my credit file???
I will send off for my files this weekend.
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Comments
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Oh gosh, Ness, I'm sorry to hear you're still being chased after all this time. It shouldn't go on your credit file, because the BR should be on there in great big letters! (I don't know exactly how it looks, but you get my drift!) They are illegally harassing both you and your brother. There's a strongly worded letter around in a thread somewhere - I'm sure someone will remember which thread and post a link.
Hang on in there - really hope the nightmare's over for you soon! CBx0 -
chelseabun wrote: »Oh gosh, Ness, I'm sorry to hear you're still being chased after all this time. It shouldn't go on your credit file, because the BR should be on there in great big letters! (I don't know exactly how it looks, but you get my drift!) They are illegally harassing both you and your brother. There's a strongly worded letter around in a thread somewhere - I'm sure someone will remember which thread and post a link.
Hang on in there - really hope the nightmare's over for you soon! CBx
Thankyou for your support. It brings back so many horrible feelings from my Bankruptcy, I really thought it was completed and settled after receiving the discharge, but I have a feeling its not that simple. I cannot believe that the DCA's can do this. If anyone knows if this is illegal and can advise the correct steps to stop this, please let me know.
Thankyou0 -
It must be absolutely infuriating.
Someone will be along soon with a link, and yes, they are not allowed to do this to you.
Lily0 -
I would personally ensure that the originating company of each (or current legal owner of debt if if it REALLY has been sold on) is aware of your situation. Send them in writing a copy of all relevant paperwork (fax if possible). Phone them to check up they have received it.
If you don't live with your brother then he can return anything addressed to you to sender as not at this address.Indecision is the key to flexibility
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ness455 have you reported this to your OR,s office, just because you are discharged does not mean you cant.
One of the reasons you should check, and correct your credit file after BR is if it recorded correctly the debts can not be sold on and on.
Check out this thread for info http://forums.moneysavingexpert.com/showthread.html?t=677875
Once you have it correctly recorded on your credit file it should stop, but in the mean time your OR should step in, it is an offence to herass a BR over a debt included in said BR.
I know it,s hard to see right now but these DCA,s cannot touch you, and will just be throwing money down the drain persueing you, they cant do anything without a court order and they dont have a hope in hell of getting one.
it laughable really, if it wasnt upsetting you so much, but try to think of all the money these clowns are throwing awayThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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Thankyou for your support. I will try to contact my OR and send her my letters and see what advice she can give me.
I imagine I am not the only one to have this problem, it would be interesting to see how many others are in the same situation, I can imagine some people often end up paying these DCA's even though they have been Bankrupt.
The letters I get threaten court action and Bailiffs, some people would be frightened.
Wish me luck in putting an end to this.0 -
Sorry to hear they're still bothering you ness - thats what you went BR for to get rid of those people!
:j :j
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fiveyearplan wrote: »Sorry to hear they're still bothering you ness - thats what you went BR for to get rid of those people!
And the OP has got rid of them, the DCA,s just have not realised that yet, DCA,s are not known to have high IQ,s, it takes a while to sink in:pThats it, i am done, Blind-as-a-Bat has left the forum, for good this time, there is no way I can recover this account, as the password was random, and not recorded, and the email used no longer exits, nor can be recovered to recover the account, goodbye all ………….
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hi ness you can use this template letter which was given to me by an other great MSE member ( sorry can't remember whom) when i had the same problem .
Your address
Date:
Account number:
Your ref:
DCA address
NOTICE: Pursuit of a debt included in a bankruptcy. Do not ignore this letter. You must cease collection activity IMMEDIATELY.
Dear Sir/Madam
You have contacted me regarding the AFOREMENTIONED ACCOUNT, which you claim is owed by myself. I have contacted you previously numerous times and also Official receiver in the past regarding my bankruptcy detail as such I advised to take this letter very seriously.
I would point out that the account was included in my bankruptcy order dated on . AS such, you are not allowed to process my data to any credit reference agency and you must cease all collection activity.
Consequently, the debt in question is no longer my legal responsibility, AND YOUR DEFAULT NOTICE IS ILLEGAL AND AMOUNT TO UNLAWFULL HARASSMENT.
ALL contacts and claims regarding the debt MUST be addressed to the Official Receiver's Office dealing with the case.
My Bankruptcy case was of 200 , at County Court, made on the / / and the address of the Official Receiver is below.
Official receiver Office
Please note that the Official Receiver has requested that all future contact from your company regarding this account is reported and forwarded to themselves, and that continued contact with myself may result in Official Receiver taking enforcement actions against your organisation.
Please also note that we are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when the debt is not due.
In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.
Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.
In addition, your continued telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter an official complaint, together with a log recording the times and frequency of the calls will be passed both to that office and to the Trading Standards office.
This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’ in that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint will be submitted to the relevant authorities. This will be relevant to questions of your fitness to hold a licence under the Consumer Credit Act, whether or not it results in a prosecution.
Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.
Please be aware also that I have contacted my official receiver, trading standard and the Office of Fair Trading regarding your unlawful and illegal conduct.
We await your written confirmation that this matter is now closed.
We look forward to your reply.
Yours faithfully
Mr XYZBSC number 1830 -
It's great, but the second sentence doesn't actually make sense as it stands. Must have lost some punctuation or words through repeated cut and paste or something. Anyone know how the second sentence should read?0
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