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Notes on dealing with DCAs and credit control
Peekay32
Posts: 115 Forumite
I work for a DCA (one of the few reasonable ones).
Here's a few things to note:-
1) Efficiency is a top priority for any DCA; time = money. For this reason automated letter sequences & letters are the norm. The DCA that I work for has in excess of 100 pre-formatted pre-written letter codes to speed up the process of dealing with debt. (It's mail merge stuff for the IT oriented)
When you receive a letter from any half-decent sized DCA, no-one has sat there and typed it out. No-one knows who you are, no-one cares who you are - you're just a few pieces of data in a database. It is for this reason that when you write in a dispute, you may often get a non-sensical or useless letter back that replies to absolutely nothing you said.
2) Home Collectors, Field Agents, call them what you will, these people are not bailiffs and have absolutely no legal authority (but don't confuse them with bailiffs!). If you receive a letter from one of the majors talking about a Home Collector don't be at all frightened. It might be a big bloke, it might be some depressed graduate wondering what he's doing with his life, either way, they have absolutely no legal authority whatsoever.
3) Time = money. You people requesting CCAs, breakdowns, resolution of disputes etc are a complete waste of time. You devalue the financial worth of accounts. . No-one apart from you cares about your £200!
4) Don't be bullied into making a payment if the debt isn't yours! This can be used in court.
5) Some debts are statute-barred. Find out what that is and keep an eye out for them.
Use this information how you like
Here's a few things to note:-
1) Efficiency is a top priority for any DCA; time = money. For this reason automated letter sequences & letters are the norm. The DCA that I work for has in excess of 100 pre-formatted pre-written letter codes to speed up the process of dealing with debt. (It's mail merge stuff for the IT oriented)
When you receive a letter from any half-decent sized DCA, no-one has sat there and typed it out. No-one knows who you are, no-one cares who you are - you're just a few pieces of data in a database. It is for this reason that when you write in a dispute, you may often get a non-sensical or useless letter back that replies to absolutely nothing you said.
2) Home Collectors, Field Agents, call them what you will, these people are not bailiffs and have absolutely no legal authority (but don't confuse them with bailiffs!). If you receive a letter from one of the majors talking about a Home Collector don't be at all frightened. It might be a big bloke, it might be some depressed graduate wondering what he's doing with his life, either way, they have absolutely no legal authority whatsoever.
3) Time = money. You people requesting CCAs, breakdowns, resolution of disputes etc are a complete waste of time. You devalue the financial worth of accounts. . No-one apart from you cares about your £200!
4) Don't be bullied into making a payment if the debt isn't yours! This can be used in court.
5) Some debts are statute-barred. Find out what that is and keep an eye out for them.
Use this information how you like
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