Beating the Debt Collection Companies !!!

Bunnie1982

Simon, I agree that Legal and Trade are such a pain in the erm.... well.

They pestered us terribly and still didn't get anymore money out of us.


I work for a DCA, although it is one that I have never seen mentioned here, probably because we actually try and help the debtor make arrangements that are affordable for them (not just slap them with ridiculous arrangements they cannot afford to pay) Except for the people just trying it on

simon4amiee

Beating the Debt Collection Companies !!!

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I will keep reviving this as I feel, so many people have their lives destroyed by these debt collection companies. I almost gave up my job and home.

If a collections agancy are asking for more than you can afford, or asking to pay an amount in full you can beat them easily.

I had arrears with the CSA of £1500, and I did owe it, and now I have had it wiped clear, don't you find it odd a company would do that. Below is a small section of the OFT guidelines. The OFT are the ones who give these collections companies the licenses, so although this is not law, the debt collection companies should follow them.

Office of Fair Trading Debt Collection Guidelines:

Physical Psychological Harassment

2.5 Putting Pressure on debtors or third parties is considered to be oppressive

2.6 Examples of unfair practices are as follows:

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

I did a lot of research on this before I got started, but if you follow this rough procedure you cannot go far wrong. Firstly ensure you have sent them you complete list of outgoings and an offer of what you can afford, keep a copy. If they still say you have to pay an unafforadable amount or at worst slam a DEO on you, you should do the following:

1. Email every director and evrey contact you can get at the OFT, Trading Standards, TV, Newspaper, local MP, National MP, Eurpean Courts. (I have a lot if you need any help)

1. If a collections agency are giving you trouble on the phone, DO THIS NOW (firstly ensure that they are aware you have just purchased a'TL3 Telephone Record Interface' so from now on all your conversations will be recorded, it might be worth looking into doing this anyway. Explain to them that you have been instructed to do this by a solicitor and that you believe they are in violation of the Office of Fair Trading Guidelines under Physical Psychological Harassment 2.5 Putting Pressure on debtors or third parties is considered to be oppressive, 2.6 Examples of unfair practices are as follows: f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so)

2. Fax the collections agency informing them of your intent to bring their company into disrepute as they are breaching the guidelines set out by the OFT, and who you have just contacted.

3. They WILL comply within 24 hours, I know it worked, they absolutely wet themselves when they found out what I had done.

I will still never find out why the debt I actually owed was written off, my guess is they didn't want me poking my nose into their dodgy dealings.

If anyone wants any help, please feel free to email me on simon.evans(at)abiuk.co.u k

Im just a regular working Joe, who wants to helps others who are in the same situation I was

THE_LONE_RANGER_4

When I Was In Debt Ill Admit That Dca Were A Disgrace They Rang Me Accused Me Of EvadIng Debt ,Insulted My Children , Phoned Up To 25 Times A Day At Home And Work, Oft, Ts, Etc The Threat Of Them Had No Effect On The Dca All My Letters Were Ignored And They Just Kept The Preasure Up My Debts Were In Total 35k , I Decided To Ignore The Dca To Deal With The Creditors Direct Whether They The Dca LIked It Or Not, Only One Dca Had Bought A Debt The Other Debts Were Being Collected By The Dca On Behalf Of The Creditors Who Will Not Do The Dirty Work To Get There Money ,some In The End Took Me To Court Some Agreed To My Payment Offers Some Wrote The Debts Off ..4...years Or So Later Im Debt Free And Nicely In Credit . My Point Is If You Do Not Deal With Dca Just Deal With The Creditor (force Them To Deal With You By Not PayIng The Dca ) Change Your Home Number Tell Your LIne Manager You Are Being Harrassed At Work Mine Just Blocked All Calls That Were Classed As Personel . I Found The Dca Were Totally Lost If You Dont Pay Them, And Dont Get Brow Beaten By Them , You Beat Them The Main Rule Is Dont Waste Money On Stamps Etc Writing To Them Send That Money To The Creditors Instead, Get That Debt Paid Off Dont Waste Your Energy, Life ,Argueing With The Dca Its Pointless
i would also point out in the four years plus the amount of debt owed i was visited by only one debt collector and that was for a debt of £56 to sky an old chap who never came back when i offered him what i could afford .so the threat of door step collection is waffle its in the main done by letter and phone , you must all take control and not let dca pull the strings

simon4amiee

Wise words Lone Ranger, wise words.

simon4amiee

Beating the Debt Collection Companies !!!

---

I will keep reviving this as I feel, so many people have their lives destroyed by these debt collection companies. I almost gave up my job and home.

If a collections agancy are asking for more than you can afford, or asking to pay an amount in full you can beat them easily.

I had arrears with the CSA of £1500, and I did owe it, and now I have had it wiped clear, don't you find it odd a company would do that. Below is a small section of the OFT guidelines. The OFT are the ones who give these collections companies the licenses, so although this is not law, the debt collection companies should follow them.

Office of Fair Trading Debt Collection Guidelines:

Physical Psychological Harassment

2.5 Putting Pressure on debtors or third parties is considered to be oppressive

2.6 Examples of unfair practices are as follows:

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

I did a lot of research on this before I got started, but if you follow this rough procedure you cannot go far wrong. Firstly ensure you have sent them you complete list of outgoings and an offer of what you can afford, keep a copy. If they still say you have to pay an unafforadable amount or at worst slam a DEO on you, you should do the following:

1. Email every director and evrey contact you can get at the OFT, Trading Standards, TV, Newspaper, local MP, National MP, Eurpean Courts. (I have a lot if you need any help)

1. If a collections agency are giving you trouble on the phone, DO THIS NOW (firstly ensure that they are aware you have just purchased a'TL3 Telephone Record Interface' so from now on all your conversations will be recorded, it might be worth looking into doing this anyway. Explain to them that you have been instructed to do this by a solicitor and that you believe they are in violation of the Office of Fair Trading Guidelines under Physical Psychological Harassment 2.5 Putting Pressure on debtors or third parties is considered to be oppressive, 2.6 Examples of unfair practices are as follows: f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so)

2. Fax the collections agency informing them of your intent to bring their company into disrepute as they are breaching the guidelines set out by the OFT, and who you have just contacted.

3. They WILL comply within 24 hours, I know it worked, they absolutely wet themselves when they found out what I had done.

I will still never find out why the debt I actually owed was written off, my guess is they didn't want me poking my nose into their dodgy dealings.

If anyone wants any help, please feel free to email me on simon.evans(at)abiuk.co.u k

Im just a regular working Joe, who wants to helps others who are in the same situation I was

simon4amiee

you know it makes sense

simon4amiee

Beating the Debt Collection Companies !!!

---

I will keep reviving this as I feel, so many people have their lives destroyed by these debt collection companies. I almost gave up my job and home.

If a collections agancy are asking for more than you can afford, or asking to pay an amount in full you can beat them easily.

I had arrears with the CSA of £1500, and I did owe it, and now I have had it wiped clear, don't you find it odd a company would do that. Below is a small section of the OFT guidelines. The OFT are the ones who give these collections companies the licenses, so although this is not law, the debt collection companies should follow them.

Office of Fair Trading Debt Collection Guidelines:

Physical Psychological Harassment

2.5 Putting Pressure on debtors or third parties is considered to be oppressive

2.6 Examples of unfair practices are as follows:

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

I did a lot of research on this before I got started, but if you follow this rough procedure you cannot go far wrong. Firstly ensure you have sent them you complete list of outgoings and an offer of what you can afford, keep a copy. If they still say you have to pay an unafforadable amount or at worst slam a DEO on you, you should do the following:

1. Email every director and evrey contact you can get at the OFT, Trading Standards, TV, Newspaper, local MP, National MP, Eurpean Courts. (I have a lot if you need any help)

1. If a collections agency are giving you trouble on the phone, DO THIS NOW (firstly ensure that they are aware you have just purchased a'TL3 Telephone Record Interface' so from now on all your conversations will be recorded, it might be worth looking into doing this anyway. Explain to them that you have been instructed to do this by a solicitor and that you believe they are in violation of the Office of Fair Trading Guidelines under Physical Psychological Harassment 2.5 Putting Pressure on debtors or third parties is considered to be oppressive, 2.6 Examples of unfair practices are as follows: f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so)

2. Fax the collections agency informing them of your intent to bring their company into disrepute as they are breaching the guidelines set out by the OFT, and who you have just contacted.

3. They WILL comply within 24 hours, I know it worked, they absolutely wet themselves when they found out what I had done.

I will still never find out why the debt I actually owed was written off, my guess is they didn't want me poking my nose into their dodgy dealings.

If anyone wants any help, please feel free to email me on simon.evans(at)abiuk.co.u k

Im just a regular working Joe, who wants to helps others who are in the same situation I was.

simon4amiee

you know it makes sense