Debitas Legal Services

midough

heres how to deal with debitas collection scum...when they ring you,,,,tell them youve had enough and want to pay the full outstanding balance,,when they come round after theyve went silent for a second,calculating the comission theyve just earned,,,proceed as follows,,GIVE THEM YOUR CAPITAL ONE CARD NUMBER AND TELL THEM TO TAKE THE FULL AMOUNT,,the greedy desperate foriegners dont even realise till payment is declined,,oh tell them its a debit card..:rotfl::rotfl::rotfl:..DONT LET THIS SCUM GET YOU DOWN,,if their ringing you your already in default,,the balls in your court..the laws on your side,,and these desprate scum who are CAPITAL ONE,,are fighting a losing battle,,,REMEMBER THEY DONT CARE WHAT YOUR CIRCUMSTANCES ARE,,,,so dont worry to much about thiers...they loaned you the money,,theres an eliment of risk,,or they wouldnt be charging intrest,,some folk can pay ,,others cannot,,THATS LIFE.

Polarbear19_2

I to am having problems with Debitas. Last august I set up a short payment agreement at the rate of £60 per month, to be paid by standing order. In the January of this year I started to receive calls at the rate of 3 or 4 a day. I knew by the number who they were. ( they actually use about 4 or 5 different numbers)

I eventually gave in and spoke to them. They insisted that the SO agreement had finished and that at new agreement had to be set up. I agreed and as the new agreement was only a couple of ponds more for 12 months i felt that this was ok. They insisted that the first payment be taken by debit card over the phone. I gave them the details and after a couple of attempts at trying to debit the cash from my account I started to give them details off another debit card and in the meantime checked my bank account on line. I noticed that they had already taken money via the SO so I managed to cancel the ongoing transaction over the phone and said that I would call again in the February. They were very demanding insisting that if i didn't call that the account would be given over to another collection company and probably taken to court.

In the February I called and started the new payment plan by debit card and placing the further payments by Direct Debit. However it was later that I noticed that yet again payment by the original SO had been also been taken.

I have tried on several occasions to explain that I would like that money refunded and what the implications of my finances would be if this did not happen ie a couple of my regular DD payments failing due to lack of funds, bank charges as a result etc etc.

Eventually I was told that I would have to speak to my bank and have them fax over a letter requesting the return of the money. When I spoke to the bank they showed me a copy of the SO which actually ended in the February. I asked if they could request the re payment of the money and they said that under the rules of SO's that this would not be possible.

I feel that I have been bullied into setting up this new payment agreement and therefore paying over double to them. They don't seem to want to listen or discuss anything unless it is on their own terms.

Polarbear19_2

TheRock wrote: »

I have had issues with them as well, i send them a cheque for £50 on one pay day then another on my second pay day (i have two jobs) i never phone them to make a payment as they always try to be rude and intimidating with the bayliffs, i did mention they would not be welcome in my house i'm 6ft 2" and 15 stone, i throw people out of nightclubs and pubs and fight in cages for 'fun'....your bayliff will last about 2 seconds! she told me not to threaten her....a quote from my favorite film ended our one and only conversation "I say it's a dog eat dog world and i have bigger teeth than you" i get no phone calls and a statement twice a month thanking me for payment.....

Debitas told me that it was not their policy to provide statements and that I should just take their word !!!!!!

saltnvinegar

Polarbear19 wrote: »

Debitas told me that it was not their policy to provide statements and that I should just take their word !!!!!!

Inform them that you are aware this is a breach of OFT guidelines on fair business practices on debt collection specifically:

Communication

2.2 Examples of unfair practices are as follows:

2.2.e. failing to provide debtors or creditors with information on status of debts, for example, not providing requested balance statements when reasonably requested

Then inform them that you have recorded the conversation and that you will be reporting them to the OFT for breach of the above section.

Best

SnV