UK debt collection agencies and how to handle them
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***UPDATE! Sorry if I confused anybody, but the order I would generally go in is to issue the Credit agreement request FIRST, then go down the formal complaint route. Some may prefer to enclose the agreement and complaints-procedure requests in the same letter – everybody’s different. I should have made this a lot clearer than I did, and apologise for not spotting it sooner. However, I need to re-embellish the point of making NO admission of debt at ANY point to these people – it may come …
If you’ve sent a CCA request to the first company, and they never fulfilled it, the second company has to be reminded that the debt is in dispute.
But do not send them a copy of the same request – the first company should have passed it to their client, and that’s what the payment for a CCA request is for.
Consumer Action Group website has template letters for such instances.
What if a company sends a debt collector after you who give up and they then send another one after you instead?
This is pro.. i gave you 5 stars
No problem at all. I would recommend my other clips also, as well as those of ScabhunterCAG, LocutusCAG, LloydsTSBLiars, and btonbadger.
Im bookmarking this page. Thanks alot!
Quite right. It’s unenforceable until (or IF) the agreement turns up.
But the older the agreement, the less chance it will turn up.
A lot of companies don’t bother to ask the original client for it, depending on age/reliability of the debts.
MacKenzie Hall (who’ve just had an OFT warning) I know for a fact is one that doesn’t.
MH and Ruthbridge are two well known companies notorious for trying it on with Statute Barred debts.
the request for the signed copy of agreement only gives them 12 working days after that has passed then if you havent a copy from the, the debt is then unenforceable
flyscreen99 – Agree with you in the way of aggressive collection methods.
But ANY collector – reasonable or not – should still be obligated to fulfil a CCA request (if the debt is covered by that legislation)/provide evidence of debt.
Plus, the client/agent may have acted improperly or there may be errors made on the part of the client that renders the debt unenforceable (faulty default notice issued prior to termination, for example).
folks be wary of agressive debt collectors, you will often find those that are polite and reasonable, can help you get back on track
It is getting more difficult for the DCAs now, when people are more inclined to fight their corner and won’t be bullied or condescended by some Mickey Mouse call jockey.
I daresay nobody apart from DCAs really gives a shit about credit ratings now. Mine’s trashed (thanks LTSB!), but it hasn’t stopped me from being approved for stuff when needed.
Besides, we’re all borrowing less because the lenders can’t be trusted, and in my case, fair vendors will be/are getting paid back – unlike LTSB.
Thanks for the TrueCall – advice
must admit I had never heard of it
folks who say – just pay up
should realise how horrible DCA people speak to you the first time you get contacted – it ain’t nice and it fact is counter-productive – you learn to fight back
I ain’t paying for a debt I don’t think I owe
go figure
the FEAR Factor , with your ‘ Credit Rating ‘ being affected , is not a big deal
as no-one has any money to throw around , with the credit crunch
May I recommend the Truecall system. This really is an amazing piece of kit and will more or less rid the unwanted call problem for good, and will also record calls.
Much more info about it can be found on Consumer Action Group (I notice you got a thread on there now). Being a CAG member now, you’ll be able to get a free memory card as well that can store recorded calls (emailing CAG will get you more info on this).
It’s expensive at 100 notes, but really is the best 100 you’ll ever spend.
The next Agency which took over from NCO is Intrum Justitia – they say over the phone they are ” a company called Intrum ” – I recommed all you on-line listen carefully to the superb advice -
it is the real deal , and I can confirm it is correct and very useful – above all DON’T GIVE IN – I used ‘ Choose to Refuse ‘ from BT to Block the calls , it is free to use and easy to set up .
anyway thank you , sir
* * * * *
73north – Thank you for the kind compliment.
Once again, I have other clips regarding the traits of certain companies. Not NCO, of whom I’ve not had the pleasure.
Especially, Consumer Action Group is excellent material for fending off unwanted DCA bullshit and some NCO threads can be found quite easily there.
Better still, the credit industry is really taking a hammering this year. I predict we’ll see at least one well known agency forced out of business by the end of this year. Yippee!
From the Bottom of my heart
- thank you
I had hassle from NCO Europe , for a year over £ 10 ( chargeback from Paypal )
I ignored them successfully -
Thank you for your kind words. May I suggest my other clips and Consumer Action Group also (free to join – if you haven’t already).
You’ll find more information about the bullshit and general dishonesty that these companies practice as normal course of business.
Indeed the tide is turning. It’s becoming more apparent how arrogant, ignorant and irrelevant these companies are.
I think we’ll be seeing at least one of the bigger agencies out of business by the end of the year. First Credit and MacKenzie Hall have already had sanctions imposed against them, and from what online comments have to say, these sanctions are being blatantly ignored.
This video has opened my eyes massively! Thanks!
Thankyou for this video, the tide is turning against these cocksuckers.
If you;re in America, then 6 years would be way past statute of limitations, wouldn’t it?
I know it varies from state to state, but I don’t think any state has anything as long as a 6 year deadline.
When is Chase bank going to collect their debt i owe them.Damn!It’s been 6 years now!I’ll take a little bad credit rather than pay that $5000 credit card.Besides once my personal information is bought by the collection agency it’s all downhill from there.Thanks to hjr-192 in 1933.
In the USA, if you say “don’t call again”, they can’t (no legally anyway).
If they contact you after you say “stop” then you can sue for damages.
If they call your friends/family, you can sue them and win.
colopity – Don’t get me started on this government. I’ve said enough on previous threads about them.
I got real negatives from America’s GOP hacks about that, but what do they know – they don’t have to live here!
I agree with you. This government IS as useless, inconsequential and irrelevant as the DCAs, and just as disingenuous.
The day when this government ends up out on its arse will be the day I will laugh heartily – depresses me though that the alternatives seem no better.
Yeah, let them pay then, seeing as they do so much for society, let them be the ones to pay with their funny money, they’re as bad as the govt who advocate the DCA’s
colopity – Well, promises can be broken, I suppose.
After all, bankers and DCAs break them often enough, so why not the other way around?