Does anybody know anything about Rockford Debt Collections?

yorkshirekev

Hi, my parents are dealing with these guys and I would like to know if anyone has any experience with them? They are based in Bradford and talking to them on the phone was hard work to say the least.

Any stories/problems would be very helpful. Thank You.

Hannah_10

They are a DCA, of course they are hard to deal with on the phone, DCA's are known to be total b*s*rds on the phone. I think the prize winner was this one:

Them: Why aren't you at work
Me: I am off sick for a while
Them: Why are you off sick
Me: Because I lost a baby. I was xx weeks pregnant.
Them: You can't prove that.

I can't even start to tell you what that felt like. I'm sure I don't need to. THAT is the calibre of scum you are dealing with.

Read this: The Golden Rule and safe payments. DCA's will do to your mother and father what they did to me if they can, they are hunting, hunting, hunting for the weak spot all the time. Don't subject your parents to that. From now on it's hardball, starting with the golden rule.

yorkshirekev

Hannah_10 wrote: »

They are a DCA, of course they are hard to deal with on the phone, DCA's are known to be total b*s*rds on the phone. I think the prize winner was this one:

Them: Why aren't you at work
Me: I am off sick for a while
Them: Why are you off sick
Me: Because I lost a baby. I was xx weeks pregnant.
Them: You can't prove that.

I can't even start to tell you what that felt like. I'm sure I don't need to. THAT is the calibre of scum you are dealing with.

Read this: The Golden Rule and safe payments. DCA's will do to your mother and father what they did to me if they can, they are hunting, hunting, hunting for the weak spot all the time. Don't subject your parents to that. From now on it's hardball, starting with the golden rule.

Thank You. Yeah, that is just unforgivable. In truth I could pay 60% off on the 20th and probably will, but I would love the inside track on them. A quick google search suggested that they use former police officers as doorstep collectors! BS, but rather creative BS.

Hannah_10

Do you know that the doorsteppers have no actual legal rights? I mean, they have a few by law just because everyone does, but basically, they're no better off than the Avon Lady, the postman or the fundamentalist God-squad we get round here. If you tell them to go away, they have to go away. If you are threatened with a doorstepping and you send the "don't bother" letter then they aren't even allowed to turn up in the first place.

Clever BS too, because debt isn't criminal, it's civil. Preys on the mind though doesn't it. Ah they are fab at scare. Scare is all they have. At least the Avon Lady also has talc with which to temp! (What, no talc for you? Shame. Poor Avon lady'll have to go away again.)

I expect by wanting the inside track as you put it that what you really want is to know how to beat the little f**kers at thier own game. That we can do. Tell us something we can use then? We need a bit more...

How much is it? Who was the original creditor? When was the original debt accrued? Do your parents even recognise the original debt? Was anything ever paid against this alleged debt? If so what, and when was it last paid? Has anything been paid recently? Is there a CCJ? (I suspect there wasn't a CCJ actually, your parents would have been formally notified by the court if there was and it'd be with a proper baliff now, not the Avon Lady-esque DCA's). Are they in England/Wales? Or Scotland? What about when the debt was allegedly accrued, also in England/Wales then? Or Scotland?

There are Rules with a capital R about who can enforce what debt against which debtor and how it is done. DCA's are rather delightful in that they usually break at least a few of these rules, often quite impressively. If they haven't followed procedure then (depending on which part of proceedure we're talking about) they can be made to drop it. Indeed if you are very lucky (and Scottish) it can turn out to not even exist anymore. It's thier own fault, they know the rules better than anyone. The cold irony of that last sentance is... that's EXACTLY why they think they can break them.

Give us what you've got.