FV-1/Global Debt Recovery being obnoxious - CCA request best course of action?

Matthew_Malone

Hi everyone,

Has anyone here any experience of sending a CCA request to Global Debt Recovery?

I've been paying them for years for an old defaulted Lloyds TSB debt, but they've recently started being quite nasty about it all. They're trying to bully me into paying more than I can afford. The last time they rang me I told them I would now only speak in writing and put the phone down. They've now written to me insisting I have to speak to them on the phone or they're going to get "GM Law Solicitors" to take me to court. GM Law are curiously located at the same address as Global Debt Recovery.

Global claim that they're no longer claiming on behalf of Lloyds TSB, but that the debt has since been sold to a company called "FV-1". I wonder if this has anything to do with the recent nastiness? The guy on the phone tried to tell me that if I didn't make a verbal offer over the phone there and then, that they'd unfreeze the interest and that the debt would soon become uncontrollable. I'm worried sick.

Quite frankly I'm sick of being nice to these people. I've read about CCA requests in the past, and now I'm seriously considering issuing one to them. I'm unhappy at having to give out yet more personal details to a company who seems happy to threaten and abuse people down the phone.

What I'd like to know, has anyone any experience of issuing a CCA to Global?

I've heard recently that the courts have said that banks can now send non signed copy agreements as long as they contain the original terms and conditions. Is this true? If it is true then how would this likely affect things given Global are not a bank?

Can they actually unfreeze the interest on this debt?

Matt (not my real name)

HellsGranny

Sounds like scare tactics to me. From my experience, most DCA'a will try it on. You are right to continue to insist on written communications only. You need that papertrail.

Cheers, HG