DCA bull!!!!!

tommytynan123

I've had to send Cap 1 the same letter 3 times in the last 3 months asking for statements for the last year during which I have been paying Debitas £30 pcm by mutual arrangement. On time every time by SO. The 3rd letter was recorded. I have finally woken the joker and I got a letter saying this:

1. Work number deleted as requested.
2. Cannot delete your home number as that is required for contact purposes.
3. Statements being arranged

I believe that '2' is wrong ! Advice pse if poss.

Funny thing is that I want to kick off about home number but over the last 3 months I have stumbled into a little spare cash and the choice was a very good night in town (probably 3 really), new laptop or pay this debt. Well I stayed in, same laptop and the debt is down to about £40 !!!
Mrs says just pay and forget them. Is it really worth kicking off ?

Finally,
a. once I've paid and the file is marked 'satisfied' when does that 'fall off' the list.
b. About 6 months ago, at review time, my £30 would have been more than the 'normal' monthly repayment. Why didn't they change back when they could have then started interest again.

Thanks

nottoolate

this is correct and was confirmed as so by the information commisioner

https://forums.moneysavingexpert.com/discussion/comment/7061741#Comment_7061741

CCCS_Emily wrote: »

Whether the account is with the original creditor or not if you request your telephone number to be removed from your account and request a creditor contacts you only by post they are obliged, by the Data Protection Act, to do so.

You need to make this request in writing and send it special delivery mentioning that if they do not remove your number that they will be in breach of the DPA and you will report it to the Information Commissioner. If they do not do as you ask you can make a complaint to them, again mentioning the DPA and Information Commissioner, and if they still continue to call then report it.

Harassment, unfortunately, is subjective, and there are only really guidelines, so I think you need to approach this from a DPA angle. But do keep a log of the calls they make in the meantime to give more sway to your complaint if you need to make it. You could also get call barring from your telephone provider to stop the anonymous calls, if they provide that service for free.

Your creditors do need to have contact details for you, but an address is all they need.]

If they have anything important to tell you they need to do it in writing anyway, as do you to them. You need to know what is going on with your debt and who is collecting it at any given time, so the payments go to the right place.

Creditors are not obliged to deal with us, as a DMP is not legally binding, but they are obliged to take the payment if it is sent to them, by whoever sends it to them.

Hope that helps. Let us know how you get on.