Search
 
 

Display results as :
 


Rechercher Advanced Search

Latest topics
» Cabot- is there a realistic chance to fight them?
by annap Today at 4:49 pm

» Clarity and History - Common Law vs Statutes | Banking Fraud | Words | Magna Carta
by itheman Today at 4:10 pm

» 5G AND it's implications | WOW it is scary and can't be allowed
by itheman Today at 3:48 pm

» Legal advice, from a court?
by itheman Today at 2:54 pm

» E on Lowells advice
by ohthejoys Today at 12:44 pm

» Drydensfairfax Soliciitors - Statute Barred?
by waylander62 Today at 11:19 am

» Richplanet Premier
by daveiron Today at 8:44 am

» Trainee benifit clerk jailed.
by assassin Today at 1:45 am

» CABOT filed CCJ application despite 3-letter process
by waylander62 Yesterday at 1:31 pm

» Emma's Westminster Hall bailiffs speech 09 01 2019
by Kestrel Yesterday at 10:37 am

» New to forum
by Sc001 Thu Feb 14, 2019 10:00 pm

» Conditional Acceptance and Remain in Honour, Counterclaim...but when?
by itheman Thu Feb 14, 2019 9:10 pm

» Liability Order in Respect of Council Tax....
by itheman Thu Feb 14, 2019 8:56 pm

» Mexican Scientists Find a CURE for HPV
by Kestrel Thu Feb 14, 2019 7:09 pm

» Intrum Finance letter advice please.
by Ithesoul Thu Feb 14, 2019 2:20 pm

» old married name on debt purchase letter
by Ausk Thu Feb 14, 2019 10:32 am

» Debt Collectors
by waylander62 Thu Feb 14, 2019 10:22 am

» More Disinformation
by assassin Thu Feb 14, 2019 1:25 am

» notice of assignment
by FURBY Wed Feb 13, 2019 9:37 pm

» 3 letter process
by projectzoo Wed Feb 13, 2019 9:24 pm

» More Smart Meter - The New Scam
by daveiron Wed Feb 13, 2019 7:44 pm

» Reality chat , every wednesday at 8pm (ish)
by Society of the Spectacle Wed Feb 13, 2019 7:29 pm

» Latest from CrimeBodge
by Kestrel Wed Feb 13, 2019 3:32 pm

» Ccj help
by daveiron Wed Feb 13, 2019 12:14 pm

» Types of Baliffs
by assassin Wed Feb 13, 2019 1:15 am

» NIP - speeding with photo evidence
by midnight Tue Feb 12, 2019 11:32 pm

» Merligen investments Ltd: Moriarty law
by waylander62 Tue Feb 12, 2019 5:14 pm

» Repeat after me "Britain is not a police state" - honest....
by daveiron Tue Feb 12, 2019 9:14 am

» Moriarty Law
by petesomething Mon Feb 11, 2019 11:44 pm

» GOODF ebook
by unlimuni Mon Feb 11, 2019 9:23 pm

» sol excalibre with cookiemonster
by Society of the Spectacle Mon Feb 11, 2019 8:24 pm

» AA loan
by Mrblue2017 Mon Feb 11, 2019 10:33 am

» Ceylon on debts, courts & corruption
by Mrblue2017 Sun Feb 10, 2019 9:27 pm

» fiduciary responsibility
by assassin Sun Feb 10, 2019 6:35 pm

» how long can you hold your breath?
by LionsShare Sun Feb 10, 2019 1:19 pm

» Nursing Fraud
by assassin Sun Feb 10, 2019 3:01 am

» EU Tactics Project Fear
by assassin Sun Feb 10, 2019 2:56 am

» Another Newbie
by assassin Sun Feb 10, 2019 2:51 am

» If Gov. breaks oath of office, do they still hold authority over us?
by assassin Sun Feb 10, 2019 2:46 am

» Wrong Account Numbers in Court Claim
by Kestrel Sat Feb 09, 2019 4:34 pm

» PPI - Could claiming jeopardise the 3 letter system? FREE PPI claim
by itheman Fri Feb 08, 2019 11:39 pm

» Lantern Debt Recovery
by sam Fri Feb 08, 2019 5:40 pm

» how to SAFELY get your own back on Big Brother)
by pitano1 Fri Feb 08, 2019 1:37 pm

» SAR template
by Ausk Fri Feb 08, 2019 8:58 am

» Has ESTOPPEL letter changed?
by Lopsum Thu Feb 07, 2019 9:11 pm

» 2 New letters received from DCA acting as agents on behalf of client- Please Advise
by daveiron Thu Feb 07, 2019 1:01 pm

» Extreane harrasment - police doing nothing at all
by assassin Thu Feb 07, 2019 1:47 am

Moon phases


DCA - can they start legal proceedings?

Page 2 of 2 Previous  1, 2

Go down

Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Tue Aug 21, 2018 8:34 am

one FINAL message from me on this thread.

From the GREAT Tiggy 11:53pm 13th March 2017:

https://www.getoutofdebtfree.org/forum/viewtopic.php?f=5&t=106567#p504566

"Debt Collection Agents are companies which work for the original creditor attempting to arrange payments, these can be ignored as they can't start proceedings against you, such as Moorcroft, Past Due, Fredicksons.

Then there are the debt purchasers these are, Lowell, PRA, Hoist, 1st Credit, Cabot etc. these should be taken more seriously as they are the ones who are likely to start proceedings, but their biggest weakness is that they purchase debts without the supporting documentation needed to prove the debt.

So my personal way of dealing was to ignore until they threatened legal proceedings then I used the Pre Action Conduct.

One ignored it, started proceedings so I applied to have it stayed until they supplied everything I asked for, eventually they discontinued - now statute barred.

The other I tied up in so much correspondence under the pre action conduct that they eventually gave up and sold the debt back to the original creditor. I guess I wasn't worth the bother of them continuing as it was costing more in Solicitors fees then the claim was worth I never heard anything further, again long since statute barred.
"

Mrblue2017
news worthy
news worthy

Posts : 140
Join date : 2017-06-11
Age : 53

Back to top Go down

Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Tue Aug 21, 2018 8:38 am

(Sorry I lied haha - this is my last message)

Where, respectfully, Tiggy says you can ignore DCAs, you 'could' still use the 3 letter system (specific to DCAs not Debt Purchasers).

HOWEVER: I would first ignore all the 'hot air' DCA letters and only wait until (IF) they send a letter which suggests or implies legal action (which will be a bluff to scare you of course...). Then use the 3 letters. THEN safely ignore them...

Mrblue2017
news worthy
news worthy

Posts : 140
Join date : 2017-06-11
Age : 53

Back to top Go down

Re: DCA - can they start legal proceedings?

Post by ande on Tue Aug 21, 2018 7:00 pm

Thanks Mr blue my mind is a bit more at ease now, and thats a great letter from Tiggy he helped me a lot on the old site.
I have been looking back at my letters regarding this and it seems that they threatened me with bankruptcy before ,obviously different heading under there old name 1st Credit not there new one Intrum ,but the same format if I didn't respond in 10 days they would be an escalation in collections activity then when no response then , consider a" statuary demand under the insolvency act" which could lead to bankruptcy and the loss of my house .
I think I will get the letters ready to fire off when or if they respond
anyway thanks for your help and interest and if you have any thoughts or comments they will be welcome thanks Andy

ande
Not so newb
Not so newb

Posts : 35
Join date : 2018-01-18

Back to top Go down

Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Wed Aug 22, 2018 7:34 pm

Any time buddy!

Use the 3 letter DEBT PURCHASER system (not DCA system - as 1st Credit - now renamed to Intrum according to you - is a DEBT PURCHASER). Leave 10 days in between and REGARDLESS what they send you, stick to the 10 day gap, ignore what they say, and DONT be tempted to amend the letters to respond to anything the say...

After 30 days (all 3 letters would have been sent by then) IGNORE their letters. UNLESS they later send you a letter threatening legal action. Then drop me a line again and I'll give you further advice. But I suspect they'll back off then as all mine have.

How much is the debt btw? To the nearest £1k (so as to not give any trolls the SLIGHTEST hint who you are...)

Mrblue2017
news worthy
news worthy

Posts : 140
Join date : 2017-06-11
Age : 53

Back to top Go down

Re: DCA - can they start legal proceedings?

Post by Mrblue2017 on Wed Aug 22, 2018 7:43 pm

As far fetched as it sounds, trust me, these scummy DPs and DCAs will make up ANYTHING to scare you. I exposed one DP once for blatantly lying. Guess what, they didn't respond to the point. Which proved my point (that they were lying...)

Jeez, imagine working for these people - sorry animals (actually that insults animals). These are crooks, end of. What amazes me is the govenerment does not intervene...

Mrblue2017
news worthy
news worthy

Posts : 140
Join date : 2017-06-11
Age : 53

Back to top Go down

Re: DCA - can they start legal proceedings?

Post by Sponsored content


Sponsored content


Back to top Go down

Page 2 of 2 Previous  1, 2

Back to top


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