Problem with debt collector

smashedbooboo

DO NOT RING THEM ANYMORE> Right. Now if this debt has been passed to dca then i would imagine there could well be charges, You can claim these back. Do you still have your statements. Have you tried to claim back any charges. Was the original debt 2000 when it was passed over. If not have the DCA added any on. Also have they bought the debt or are they just collecting. Send the request for a true copy of your credit agreement. Bet your bottom dollar they wont have it. Now one thing i have forgotten to put in prevoius posts on this subject is. If you ahve an arrangement to pay the DCAs then carry on as you are doing. They have twelve days to suppy you with said CCA. After this if they have not sent it to you then they are in default themselves. Then you can cease payinfg them until they do supply it. They should not be chasing you if they dont have the CCA. Do not be fobbed off with a copy of your application form. It is not the credit agreement. If not supplied ell em to take a hike. But do not be under the impression that will be the end of the matter. The dbt may well be passed onto another DCA. If so then pack a letter off to them as well. But as i said do not speak to them on the phone again. If they ring you just put phone down. Writing only.. If needs b tell them you are recording their call to you.

Kathy220559

Hi

Thank you for your quick reply. I am sorry to be a pain but is there a template letter somewhere I can use to ask for my original credit agreement? I really don't know what to write.

Also, can I ask for this information from my other credit card debts as well as I have a feeling I Have been charged on all of them. Are these charges reclaimable as with the bank charges? And if I do this will I open a complete new set of worms. As they are accepting my token payment at the moment would I be better to let the others continue as they are

Cheers
Kathy

rog2

smashedbooboo wrote: »

Hi Rog. I tried that but it did not stop them. Once they have received the harassment letter and request to not to ring and to only comminicate in writing, but they continue to do so then the relevant authorities are more willing to listen. Usually the CCA request will shut them up. And it puts he account into dispute. And more than likely they will hand it back to original creditor. who will then listen to CAB or CCCS. Etc

I know smashed - it certainly is difficult, since these 'people' assume that they are above the law.:mad: :mad:
One thing that could work is a letter to your MP, with a copy to the DCA. The MP is duty bound to respond.

Kathy220559

Hi again

Okay I found the template letter for the request for credit agreement (thanks smashed) which I am sending tomorrow.

Do you think I should get one for all my other credit cards also. They are accepting my token payment so far and I don't want them to turn nasty!

Thanks
Kathy

rog2

Kathy220559 wrote: »

Hi again

Okay I found the template letter for the request for credit agreement (thanks smashed) which I am sending tomorrow.

Do you think I should get one for all my other credit cards also. They are accepting my token payment so far and I don't want them to turn nasty!

Thanks
Kathy

I should only do it WHEN they 'turn nasty'.

emmy2007

hi just read through your post, sorry these people are stressing you. not the most constuctive advice in the world, but only the couple occassions that I have been called as soon as they say who they are I simpy say "I don't discuss financial matters over the phone, you have my address write to me" then I hang up on the call!! Probably not the best way to deal with it, but it leaves me in control, esp if I know that there is nothing constuctive that is going to come out of the conversation anyway

out_of_cash

hi Kathy220559,

just been reading through 1 of your threads dca being a pain i just wondered if it is those total morons RMA they tried to question me about benefits etc
just changed land line and mobile No no more hassle do everything in writing these idiots will be brought down soon lots of complaints going in to oft about dcas they will be getting a £400 fine i think thats right?

regards

out of cash :

Broken_hearted

When they phone politely remind them all calls are recorded and that they have been asked not to phone. Then hang up (or better still leave the phone off the hook while they talk to themselves).

Kathy220559

Hi

I sent the request for my original agreement on 5th May 2007. I enclosed a cheque for £1 which to date has not been cashed.

I am a little confused now as to how long I wait for them to reply. I have read that it is 12 days, but am sure it says somewhere else on here (although I can't find it now) that I should give 12 + 2 + 30 days.

Can you please let me know which is correct

Cheers
Kathy

moonlightpjs

Hi Kathy
You have to allow them 12+2+30 days to respond with a true copy of your CCA. They cannot harrass you for the debt whilst they are in receipt of your CCA request as your account is in dispute. After the above deadline they cannot chase you for the debt until they provide you with a CCA and after this timeframe you can report them to the relevant bodies as they will have commited an offence. Be aware though that at any time if they can produce the CCA then they can enforce the debt which is why its important to report them as they will more than likely write the debt off as they can be fined £2500 for not supplying a CCA.

Forgot to say, they can take no further action (ie court) whilst the account is in dispute but they may well threaten to - just ignore them, its scare tactics to get you to acknowledge the debt and pay up - empty threats!!!

HTH xx