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DCA - can they start legal proceedings?

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DCA - can they start legal proceedings?

Post by Mrblue2017 on Tue Aug 07, 2018 5:51 pm

Hi everyone,

In a previous post (back on 13th March 2017) Tiggy advised that DCAs can't start legal proceedings against us. Is that still the case?

Nonetheless I recently notified a DCA that SHOULD they start legal proceedings, then I would be issuing a pre action conduct letter to any solicitor working on their behalf. Basically to let them know I mean business.

(Background: original GOODF debt purchaser 3 letter system served against the debt purchaser. I guess that's why they're foolishly trying their luck getting a minion DCA to try and do their dirty work haha!)

PS Down to the last £3k out of £18k I 'owed' 3 1/2 years ago, so the system is working. As such, if you need any help or templates, I have some good tweaked ones too which were supported by previous moderators inc Faljay (hope he's well) and Williams etc.

Thank you :-)

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Re: DCA - can they start legal proceedings?

Post by waylander62 on Tue Aug 07, 2018 8:15 pm

it really depends on why tiggy said DCA's cant start legal proceedings at that time

and if anything has changed since


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Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Tue Aug 07, 2018 8:28 pm

Haha I get that, which is why I asked the question / I'm waiting to hopefully get an answer from Tiggy (if she's still here) or someone with experience :-)

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Re: DCA - can they start legal proceedings?

Post by waylander62 on Tue Aug 07, 2018 8:34 pm

several have the experience but if they are like myself have no idea what any of this is actually about ?

if you read your first post yourself it is very cryptic if you have not seen what the old goodf thread was about !?

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Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Tue Aug 07, 2018 8:39 pm

The question was simple and in the first paragraph. Nothing cryptic :-)

And intended for Tiggy or someone with experience, not a newbie with the greatest respect :-)

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Re: DCA - can they start legal proceedings?

Post by waylander62 on Tue Aug 07, 2018 8:45 pm

Lol

no worries Rolling Eyes Rolling Eyes

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Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Tue Aug 07, 2018 8:52 pm

Haha sorry. I mean yes, I guess I by also bringing up some history / context to it that it may have given you a cryptic impression, but I didn't intend it to and I will stick to a simple one paragraph (max) question in future :-)

Also wanted to share the news (£18k down to £3k) to help convince any newbies. I've been a member (original GOODF) since Nov 2014 and have been on many threads with Williams, Ceylon, Tiggy, Faljay (now sadly left) and, with their help and the letters systems, had a lot of success AND lost the initial fear (it does go I promise). It's all a bloody game, only WE won't fall for it...

All the best! :-)

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Re: DCA - can they start legal proceedings?

Post by waylander62 on Tue Aug 07, 2018 9:37 pm

Smile

well done , some very good and familiar names you have included in your last post

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Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Thu Aug 09, 2018 3:41 pm

Thank you!

(Sadly no experts have responded yet)

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Re: DCA - can they start legal proceedings?

Post by Tvarred on Thu Aug 09, 2018 5:45 pm

I had a DCA take me to court in early 2017 and win with no signature, but merely a tick in an online box.


Last edited by Tvarred on Thu Aug 09, 2018 6:59 pm; edited 1 time in total

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Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Thu Aug 09, 2018 6:36 pm

Sounds like you didn't use the three letter system? All the banks / debt purchases and banks I have dealt with thus far have backed off...

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Re: DCA - can they start legal proceedings?

Post by Tvarred on Thu Aug 09, 2018 6:58 pm

Used all the tools on the old site including the 3 letters and various other notices as well as billing them at least 5 times. Yes, I know I was stitched up, but the only consolation I have is that I will be dead before they even recover their court costs.

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Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Thu Aug 09, 2018 7:03 pm

Ok I'm sorry it didn't work for you. It has / is working for me.

All the best!

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Re: DCA - can they start legal proceedings?

Post by Ausk Yesterday at 9:00 am

@Tvarred wrote:Used all the tools on the old site including the 3 letters and various other notices as well as billing them at least 5 times. Yes, I know I was stitched up, but the only consolation I have is that I will be dead before they even recover their court costs.

What may have contributed to your loss was that by billing them 5 times they may have decided that you don't know much and they may have through you a babe in the woods.

You should not bill anyone 5 times because 3 times is plenty. By billing them 5 times you became something of a begger.

1 time = a demand, 2 times = a repeated demand, 3 = you've said that before, perhaps you mean it, perhaps you don't. 4 times says your begging.

3 times is plenty of evidence for the mag that you have made a genuine attempt to obtain evidence or payment or whatever from the party demanding the money etc.

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Re: DCA - can they start legal proceedings?

Post by Tvarred Yesterday at 1:20 pm

@Ausk wrote:
@Tvarred wrote:Used all the tools on the old site including the 3 letters and various other notices as well as billing them at least 5 times. Yes, I know I was stitched up, but the only consolation I have is that I will be dead before they even recover their court costs.

What may have contributed to your loss was that by billing them 5 times they may have decided that you don't know much and they may have through you a babe in the woods.

You should not bill anyone 5 times because 3 times is plenty. By billing them 5 times you became something of a begger.

1 time = a demand, 2 times = a repeated demand, 3 = you've said that before, perhaps you mean it, perhaps you don't. 4 times says your begging.

3 times is plenty of evidence for the mag that you have made a genuine attempt to obtain evidence or payment or whatever from the party demanding the money etc.


I realise I made mistakes and would have done things differently knowing what I know now, but to be honest I could just stop paying the pittance I pay as they have no address for me and zero chance of ever finding me if they tried.

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Re: DCA - can they start legal proceedings?

Post by Ausk Today at 9:55 am

@Tvarred wrote:
@Ausk wrote:
@Tvarred wrote:Used all the tools on the old site including the 3 letters and various other notices as well as billing them at least 5 times. Yes, I know I was stitched up, but the only consolation I have is that I will be dead before they even recover their court costs.

What may have contributed to your loss was that by billing them 5 times they may have decided that you don't know much and they may have through you a babe in the woods.

You should not bill anyone 5 times because 3 times is plenty. By billing them 5 times you became something of a begger.

1 time = a demand, 2 times = a repeated demand, 3 = you've said that before, perhaps you mean it, perhaps you don't. 4 times says your begging.

3 times is plenty of evidence for the mag that you have made a genuine attempt to obtain evidence or payment or whatever from the party demanding the money etc.


I realise I made mistakes and would have done things differently knowing what I know now, but to be honest I could just stop paying the pittance I pay as they have no address for me and zero chance of ever finding me if they tried.

Sounds like you got them where you want them which is good, don't worry about mistakes, we all make em and they are all learning opportunities.

We humans learn more from pain than any other way.

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Re: DCA - can they start legal proceedings?

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