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Re: DCA demand letter
Well, after ignoring the last letter from the DCA I've received the most ridiculous follow-up. I laughed when I read it. It just looked really cheap and smacked of desperation.
It has this border repeating the words 'Security Telemessage' - and in the centre the text expresses concern over my no-response to their last letter and asks me to call urgently - as if?
Me thinks this one one will get ignored to!!Comment
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Re: DCA demand letter
well done you're getting the hang of this, I concur, a bit more ignoring in order here.Comment
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Re: DCA demand letter
I haven't seen one of these before!! Are you able to scan it and remove personal identifiers and post it up to look at?Originally posted by Fraser01 View Post
I'd be curious to see what breaches of OFT guidelines and CSA guidance have occurred here (no doubt lots). May be worth a punt to complain to the OFT and FOS if the letter is misleading, especially if its been formatted to look more 'legal'.
Risk of a 500quid fine may be enough to make them scurry back where they came from.
Best
SnV"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DCA demand letter
nice one
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DCA demand letter
Its because this is the 'accepted' guidance issued by the various debt charities to make a debtor show willing to pay their debts.Originally posted by Never-In-Doubt View Post
While I understand the sentiment, at the same time, it is rarely anyone who is advised to do this is also explained the consequences.
Personally I see little point in paying such an amount for anything longer than a default or CCJ is likely to stay on a credit file.
Chances are, that you would pay 2quid a month for the next 20 years only for the fockers to then default you with a couple of payments left and screw you for a further six years.
Believe it - I have seen creditors do this!
Better to take the hit early, let them default you and then negotiate a payment plan if you have to (or look at UE as a leverage tool).
There are always extenuating circumstances of course but I agree the 'token' payment does very little, especially if the creditor is still applying interest & charges.
Best
SnV"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DCA demand letter
SnV ^^^^ agreed thus I also maintain that stance, ie why bother if it'll have a worse effect than the 'punishment' itself....
Any dmp of 6+ years, stop paying now - get defaulted then if you really want to, commence repayments (or don't - it's up to you) - BUT get the bloody thing defaulted sooner than later
Cheers for clarifying my post, it's the same thing but yours explains things as if it was my own words
I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!
If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.ukComment
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Re: DCA demand letter
Well after ignoring lots of 'generic' letters from the DCA, I've now received another 'generic' letter headed:
Notice of Intended Legal Action - but in the smaller print it only states that my account MAY be passed to their solicitors for legal action to be taken.
Is now the time to send of a CCA request or ignore a little longer??Comment
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Re: DCA demand letter
I think it would be a good idea.Originally posted by Fraser01 View Post
A couple of questions (apologies if I missed this in previous posts).
Have you actually been defaulted/received a default notice for this alleged debt?
Have you been receiving any statements for the account?
Best
SnV"I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."
The consumer is that sleeping giant.!!
I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.
If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.Comment
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Re: DCA demand letter
I'll send one offOriginally posted by SaltnVinegar View Post
Yes, defaulted in 1980 something.
No, never had statement of accountsComment
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