Dca workers a threat

FOURCANDLES_2

Having been on this site for a few months helping out a friend in need , I like many have learnt a lot about numerous issues from debt free wannabes to gardening to home ownership etc . The posts I see a lot of is dca collectors clearly they are not court bailiffs just collectors doing a job. Clearly they have some type of fear factor for many which in 2010 is a bit off. The guy I am helping honestly thought they may threaten him, assault, push in to the house etc , all it seems in his imagination. Has anyone ever been attacked threatened by a genuine dca worker not a loan shark on there door step ? how rare is it? . Do we have thousands of poor people on their uppers worrying for no apparent reason.
I do think people in debt should seek help straight away and find out the facts on what is legal and what is not and who are who and what they can and cant do I think this would stop a lot of worry for these people.

Marisco

As you say Four, it's the "fear factor". Many people do not know their rights and what debt collectors can and cannot do. If you have debt and have been plagued by phone calls and letters saying they will send someone round, people panic! They are already vulnerable due to the situation they are in, and these lowlifes only make things worse!!:mad:

FOURCANDLES_2

Marisco wrote: »

As you say Four, it's the "fear factor". Many people do not know their rights and what debt collectors can and cannot do. If you have debt and have been plagued by phone calls and letters saying they will send someone round, people panic! They are already vulnerable due to the situation they are in, and these lowlifes only make things worse!!:mad:

This is what I found with my friend he was a wreck until he told me and I helped him out via forums ,cccs, etc it seemed once he had some one to talk to a weight was lifted off his shoulders , he was getting 16 phone calls a day, letters coming out of his ears although he had never had a dca worker on the door step .

Marisco

And this is exactly what they want, in the hope that people will pay in a panic, regardless of whether they can or not!!:mad: Another thing they play on is the fact that peoples' credit rating will be shot to hell. This is where they fell flat on their faces with my oh's debts, we couldn't have cared less:rotfl:When they realised this, everything calmed down. There should be something done about DCA's, I know you can complain to the OFT, but there should be something more "immediate":mad:

Sunnylooloo

I bet the DCA cards were from Mr Black or Ms Brown as well....

Halifax were due to come to me on 2nd April which was a BANK holiday - they never turned up.

There are some great threads on here on how people dealt with them - if I can find them I will post a link.

If I hadn't been on here to get advice I would be like your friend terrifed of letters/cards/phone calls.... but once you know you can be in control it makes it easy to handle.

FOURCANDLES_2

I went over to my friends place when he was getting the calls non stop it must have been awful for him until he changed his number, anyway i answered for him they asked to speak to MR bla bla he permitted me to play him on the phone they said can you give me your date of birth I said why? she said to take you through security , I said what's yours ? she said what has that got to do with it? , I said wrong answer you have failed my security test and hung up. She rang back straight away and said we are a telephone collection agency , I said AND she said I wish to take you through security I said fine she said what your date of birth I said wrong question you have failed my security test and hung up . She rang back again and went mad so I sang there may be trouble ahead. All was rather funny and my friend from then on dealt with it the same way until change of number.

DGJsaver

Lol ^^^^^^^^

FOURCANDLES_2

I think people need to keep a sense of humour.

mostlycheerful

Don’t know much about DCAs but regarding bailiffs someone I know was standing outside his front door with his 6 year old son and got a punch in the gob and knocked to the ground and then kicked in the head by a bailiff for no particular reason other than that he’d told the thug to get lost. Quite whether debt collectors are as violent and thuggish as, for instance, security people, bouncers, football fans, people drunk on a Saturday night and “gangstas” is a question. As all of these tend to attract working class people of low intellect with low aspirations and a high proportion of convicted criminals, it is reasonable to assume that the answer is probably yes. It takes a certain kind of person to choose to spend their whole lives going around harassing people. Hmm, I could go on but I’d rather think about something more pleasant than the millions of appallingly low quality evil subhuman savages at large running amok everywhere all the time in UK and world, many of whom wear uniforms and actually get paid to do their evil, so nuff sed for now…

FOURCANDLES_2

mostlycheerful wrote: »

Don’t know much about DCAs but regarding bailiffs someone I know was standing outside his front door with his 6 year old son and got a punch in the gob and knocked to the ground and then kicked in the head by a bailiff for no particular reason other than that he’d told the thug to get lost. Quite whether debt collectors are as violent and thuggish as, for instance, security people, bouncers, football fans, people drunk on a Saturday night and “gangstas” is a question. As all of these tend to attract working class people of low intellect with low aspirations and a high proportion of convicted criminals, it is reasonable to assume that the answer is probably yes. It takes a certain kind of person to choose to spend their whole lives going around harassing people. Hmm, I could go on but I’d rather think about something more pleasant than the millions of appallingly low quality evil subhuman savages at large running amok everywhere all the time in UK and world, many of whom wear uniforms and actually get paid to do their evil, so nuff sed for now…

Possible but a bailiff would lose his licence if he was a court appointed one, and a bouncer would be barred if prosecuted for violence from working as a doorman, many of the people or I should say jobs are regulated and all you need to do is go for prosecute via the police .

barbiedoll

This is one of the reasons why it is so important that all of us spread the word about this site. You can't tell who is in financial trouble just by looking at them (thankfully!) but there have been so many distressing tales on here and in the media, of people driven to drastic measures because of debt, and usually no-one has had any idea that they are suffering so much. Knowledge is power, tell people on Facebook and Twitter, direct your friends and family to the site, you may just save someone's sanity, home or even their life.