Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» A message from Tom
by daveiron Yesterday at 8:24 pm

» Notice of issue of warrant of control!!!!
by vatanen Yesterday at 12:45 pm

» old site taken down
by handle Yesterday at 12:12 pm

» Courtesy of your caring government
by daveiron Yesterday at 12:07 pm

» Steel
by assassin Yesterday at 4:00 am

» New Po-lice Scam Looming
by assassin Yesterday at 1:52 am

» Cabots/Resolvecall
by Mrblue Thu May 23, 2019 3:58 pm

» Cabot- is there a realistic chance to fight them?
by Jimmyjack Thu May 23, 2019 11:59 am

» GOODF ebook
by Jimmyjack Thu May 23, 2019 11:17 am

» FRAUD!!
by Sharpysparky Thu May 23, 2019 11:13 am

» Common Law Copyright and Trademark Notice
by Jimmyjack Thu May 23, 2019 9:28 am

» Nasty trick to play on courts re speeding and parking
by Ausk Thu May 23, 2019 9:20 am

» The Truth About Money
by daveiron Thu May 23, 2019 8:13 am

» SUBJECT ACESS REQUEST
by Mrblue Thu May 23, 2019 8:12 am

» Even more fun, you decide.
by assassin Thu May 23, 2019 2:33 am

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed May 22, 2019 7:44 pm

» Lowels
by Sharpysparky Tue May 21, 2019 5:34 pm

» Police use of 'intrusive' and 'inaccurate' facial recognition tech challenged in UK court
by jss64 Tue May 21, 2019 11:11 am

» AVAL
by LionsShare Tue May 21, 2019 10:42 am

» treason "laws"
by LionsShare Tue May 21, 2019 9:42 am

» the height of cheek
by LionsShare Tue May 21, 2019 9:32 am

» media control
by assassin Tue May 21, 2019 1:57 am

» sol excalibre with cookiemonster
by Society of the Spectacle Mon May 20, 2019 8:00 pm

» Credit Security limited
by assassin Mon May 20, 2019 1:48 am

» The Good Old British Bobby...
by assassin Mon May 20, 2019 1:44 am

» Single Justice Procedure Notice for alleged speeding
by LionsShare Sun May 19, 2019 12:15 pm

» TESCO CREDIT CARD & LOWELLS
by Mrblue Sun May 19, 2019 9:01 am

» Latest Rich Planet vids Richard Hall
by daveiron Sat May 18, 2019 8:36 am

» As if the banks couldn’t be any more fraudulent.
by Mrblue Sat May 18, 2019 6:45 am

» E 171
by Lopsum Fri May 17, 2019 8:09 pm

» yeah! I'm back
by handle Fri May 17, 2019 6:12 pm

» More Chick Wilfong
by midnight Fri May 17, 2019 12:16 pm

» Use Companies House
by assassin Fri May 17, 2019 2:45 am

» Gordon Bowden - Exposing Blair
by assassin Fri May 17, 2019 2:01 am

» Let's Have Some Tunes thread.
by Awoken2 Thu May 16, 2019 11:06 pm

» San Francisco Bans Facial Recognition Technology
by jss64 Thu May 16, 2019 5:03 pm

» Gordon Bowden - Westminster Fraud
by assassin Thu May 16, 2019 6:17 am

» Gordon Bowden - Uncovering Fraud
by assassin Thu May 16, 2019 6:16 am

» Claim Form Southern Water
by LionsShare Wed May 15, 2019 4:11 pm

» Loan & the three letters
by Akira Tue May 14, 2019 3:11 pm

» Questions regarding the use of Promissory notes to clear bank related debt.
by Akira Mon May 13, 2019 9:06 pm

» Not a recognised Debt
by daveiron Mon May 13, 2019 7:29 am

» County Court claim form
by eggnog Sun May 12, 2019 6:58 pm

» Cabot advice
by Mrblue Sun May 12, 2019 9:13 am

» council tax & prison
by assassin Sun May 12, 2019 2:01 am

» Climate change!
by Sharpysparky Sat May 11, 2019 9:23 pm

» Yet some more fun. Two bad apples down, some way to go yet. It's a start
by assassin Sat May 11, 2019 2:30 am

Moon phases


DCA - can they start legal proceedings?

Page 1 of 2 1, 2  Next

Go down

DCA - can they start legal proceedings? Empty DCA - can they start legal proceedings?

Post by Mrblue 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 :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty 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


waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue 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 :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty 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 !?

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue 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 :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty 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

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue 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! :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty 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

waylander62
dedicated
dedicated

Posts : 502
Join date : 2017-10-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

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

Thank you!

(Sadly no experts have responded yet)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty 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

Tvarred
Not so newb
Not so newb

Posts : 31
Join date : 2018-01-29

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue 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...
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty 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.

Tvarred
Not so newb
Not so newb

Posts : 31
Join date : 2018-01-29

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue 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!
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Ausk on Tue Aug 14, 2018 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.

Ausk
Moderator
Moderator

Posts : 481
Join date : 2017-06-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Tvarred on Tue Aug 14, 2018 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.

Tvarred
Not so newb
Not so newb

Posts : 31
Join date : 2018-01-29

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Ausk on Wed Aug 15, 2018 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.

Ausk
Moderator
Moderator

Posts : 481
Join date : 2017-06-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue on Thu Aug 16, 2018 8:08 am

Hopefully someone - with experience e.g. a moderator - can respond to my original question :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Ausk on Sun Aug 19, 2018 12:28 pm

There are two types of debt collectors, those who are simply paid to do the leg work for the original creditor, These are mere agents and because they do not own the debt, they have no cause of action with which to take you to court so they cannot take you to court.

An exception to this are lawyers who have a lawyer client relationship. They can take you to court but on behalf of the OC.

Then there are debt buyers who purchase the debt off the original creditor. These people legally own the debt because the OC has assigned the debt to them so yes they can take you to court.

Ausk
Moderator
Moderator

Posts : 481
Join date : 2017-06-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by ande on Sun Aug 19, 2018 8:00 pm

Speaking from my experience I think that Ausk is right on the money, my OC used 3  DCA,s as agents and I fought them all off with the 3 letter method ,then they sold the alleged debt to a DCA who are now threatening to bankrupt me and take my house .

ande
Not so newb
Not so newb

Posts : 35
Join date : 2018-01-18

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Ausk on Mon Aug 20, 2018 9:53 am

@ande wrote:Speaking from my experience I think that Ausk is right on the money, my OC used 3  DCA,s as agents and I fought them all off with the 3 letter method ,then they sold the alleged debt to a DCA who are now threatening to bankrupt me and take my house .

Until they take you to court and prove their case which seems suspect then they cant do anything. In the mean time how many times have you sent the 3 letters which all say:

I will happily pay what I lawfully owe settle your claim on the condition that you PROVE YOUR claim?


Ausk
Moderator
Moderator

Posts : 481
Join date : 2017-06-03

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue on Mon Aug 20, 2018 8:29 pm

Thanks for your advice Ausk! (19th Aug 12:28) :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue on Mon Aug 20, 2018 8:32 pm

@ande: no Debt purchaser or DCA will "threaten to bankrupt you" or "take away your house". Do you have a scan of the letter (remove your address details / ref etc first obviously!) to show this??
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by ande on Tue Aug 21, 2018 3:36 am

Hi thanks for your interest in my problem,I dont want to to hijack this thread the story so far is on here as " Threatened bankruptcy proceedings " I didn't get home last night a case of late finish early start but I will be with you as soon as I can thanks for your help and interest Andy

ande
Not so newb
Not so newb

Posts : 35
Join date : 2018-01-18

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue on Tue Aug 21, 2018 8:29 am

No problem Andy, my original question has been answered now :-)

Perhaps start a new thread now - called "Threatened bankruptcy proceedings and taking my house" -makes it easier for people to look up etc :-)
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Mrblue on Tue Aug 21, 2018 8:32 am

One last one Andy about your post 19th Aug 8pm which doesn't quite make sense:

"Speaking from my experience I think that Ausk is right on the money, my OC used 3 DCA,s as agents and I fought them all off with the 3 letter method ,then they sold the alleged debt to a DCA ..."

Who sold the debt to a DCA? DCAs (Debt Collection Agents) donm't buy debts. They chase them up on behalf of a Debt Purchaser / OC :-)

Do you mean "OC sold debt to another Debt Purchaser" (who could then, either chase the debt themselves or get a minion DCA)?
Mrblue
Mrblue
Moderator
Moderator

Posts : 263
Join date : 2017-06-11

Back to top Go down

DCA - can they start legal proceedings? Empty Re: DCA - can they start legal proceedings?

Post by Sponsored content


Sponsored content


Back to top Go down

Page 1 of 2 1, 2  Next

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum