Well said Hallibutt. Summed it all up really well. When they DCA's realise that they are the problem and not the solution, then the better off everyone will be. After all, nobody chooses to be in debt and struggling to live. When DCA's realise that and make a genuine effort to work with people, instead of lie to them and threaten them, they would find more people happy to pay what they can afford each month. I doubt the industry will change though. They are too set in their ways and are are always trying to justify it to anyone who will listen. The ones who will listen are few, and it's long overdue that this parasite industry that happily preys on people who have through no fault of their own, fallen on hard times, vanishes once and for all.

If this is the best the DCA's can do after all this time, then they're in for a rough time over the next few years. What with their constant bleatings on Credit Today and their silly and pointless award ceremony, then it's obvious they still try the same old business model that has now blown up in their faces in a big way. The countdown has begun and one by one their parent companies will start pulling the plug on them. It's already starting. We're seeing buy outs. J2 Soloutions, Cattles, Hillesdens posting 2 million losses 2 years running. It's only a matter of time, and time is on our side, not theirs.

Showing true colours now Jordan. Typical DCA employee who instantly assumes everyone is a lazy bum who is on the dole and doesn't want to work. Then you wonder why so many one here cannot take your comments and question avoidence seriously.

Jordan, you reap what you sow. DCA's have been lying, breaching laws and guidelines to line their grubby pockets. Now it's payback time. I suggest you email this link to your DCA chums. They'll be needing it soon..... McDonald's Careers Website

Moorcroft never take anyone to court. They don't buy debts, they only collect on behalf of other creditors. Their letters and Pre Court Division headed letters are all nonsense. A third party cannot take anyone to court. Moorcroft are pretty easy to deal with. Just send them a letter headed "Formal Complaint" Then explain that the account is in dispute due to missold PPI and shouldn't have been passed onto Moorcroft in the first place. I have enough Moorcroft letters threatening court action and bailiffs to wallpaper a whole room with. Guess what? 12 accounts (my own and friends I've helped) not a single one ended up in a courtroom.

I had one of these letters for the MOS 80's album. I know I didn't download it, as I'm not into MOS anyway. There are only two others that have used my internet connection and I know they wouldn't have downloaded it either. My Dad wouldn't know how to download anything from Bit Torrent anyway, and my cousin only likes the crap the x factor winners churn out. It took me less than a minute to do my LOD. I got red marker pen and wrote across it, "Prove it or F**k off!!!" Then popped in an envelope and dropped it in the postbox on the way to work this morning. Like my battles with the DCA numpty's I don't waste anymore time than I really have to, when it comes to people trying to get money off me when they have no legal basis to do so.

I love the signatures on the Halifax and Albion letters you posted. Living proof that they employ chimps going on the quality of the signatures. The last letter I wrote to a DCA who couldn't grasp the basics of what I had tried to tell them in 2 previous letters, ended up with it written in capital letters in blue crayon. At the bottom it said, "If you still don't understand, please as a grown up to help you." The reply was, "in view of your complaint, we're returning the account to our client."

Quote: !For a statement to be defamatory it must lower the claimant's reputation." Is it actually possible for their reputation to get any lower than it is? Unless we shrink Ruthbridge down to supatomic particle size and then give Stephen Hawking a call and see if at that scale that Quantum Physics and it's effects come into play. I must stop watching, "The Big Bang Theory." and if I do continue I should spend more time on the bits most males watch it for.

I had a battle with Provident on behalf of my ex girlfriend. Invited them to take her to court, and they went quiet for 2 years. Provident charge about 500% interest and it's well known they won't go to court, as the few times they did try, the judge dismissed their claim due to the interest rate being excessive and unfair. So Wonga deffo won't set foot in a court room charging over 2000% Especially if you revealed Wonga's view of the law in that email they sent you.

From what I know from reading various threads on CAG over the years, it seems they get computer file. For each account they have the following info. Name, Address, Phone number, amount of debt, account number, default date, date of birth, and who the original creditor is, and when the last payment was made/default date. If they need to know anything else, ie CCA request, etc, then they have to go to the original creditor for the information. I have also heard that they have to pay an admin charge for the info. How true that bit is, I don't know for sure. But knowing the banks, CC companies, I wouldn't be surprised if they did charge for it. After all they are happy to make their "customers" pay £3 for a copy of a monthly statement.

Is it the one that runs vertically down the side of the letter or the one they add close to the address?

Best to get the proof from RM that it was delivered. Then send Debt Missmanagers the evidence as part of a formal complaint and ask what they are playing at. If they continue to mess around, inform them that you'll be charging them £25 per letter for your time and material costs. Then if they fail to pay, start a claim through the courts. Been doing this with a DCA over the last few weeks. As soon as they owe me £150 the court claim goes in + costs.

Only the owner of the debt can start court proceedings. Sounds like the typical bluff and crap Moorcroft send out to me. Threats of court etc when they're collecting for the owner of the debt. Lowell's actually own my so called debt, but for some reason they get Makenzie Hall to hassle me, then Mucky Hall use Meritforce to hassle me. But really only Lowells can take me to court. The best laugh is that it's all over a debt of £50 that the only "proof" is a screenshot of part of a random mobile phone bill that could belong to anyone.

Don't bother with firms that claim to cancel/reduce credit agreements. They cannot actually cancel them. The OFT has been stamping down on a lot of them, because they're misleading people. I know they charge a lot when you reallise all they do is send out a couple of letters and charge hundreds of pounds for it. You can do all that yourself quite easily for £1 using info and the CCA request letter template from the forum library on CAG. It's not too tricky to get a SD setaside. There's a fair few recent threads if you have a search for them, where people have got a setaside and also claimed costs for it.

The Aknowledgement of service you should send to the court, not to Bryan Carter. If you send them to BC then the court will not get them and BC will win by default. For Bryan you need to send a CPR request for the documents to support your defence. Ie CCA, Notice of Assignment, Statement of account, Default Notice, Termination Notice, proof you agreed to a repayment plan, etc. Is this the first letter you've had from Bryan Carter or Frederickson International regarding this, or did he just hit you with a court claim without finding out if they have the right person first? For filling in the AS forms, someone with more knowhow on this will be sure to reply with the info you need. Bryan Carter is well known here and quite a few know how to get rid of him and his abuse of the court process. Once he realises you know your rights are are defending his claim, he'll discontinue and you can go for a wasted costs order against him.

Best to try different barcode reading applications. Then you should find one that will read it. The only ones I've had problems with are the ones usually above or below the address, that have some parts sticking up above and below the actual barcode part in the centre. Not sure what kind those are and what program can read them.

Here's a fun "little" Datamatrix for you to play with. Now who's going to be the first to send it to a DCA and see if they manage to reply to it? Address - Date - xx/xx/xxxx Account Ref - xxxxxx Mr/Mrs/Miss XXXXXX

I don't think Lowells are very busy at the moment, so they have to come on here to pass away the time.

I have one from Lowells, who are using Mucky Hall, who are using Meritforce to try and collect. Looks like they love getting each other to do their dirty work. Needless to say all 3 of them get ignored.

Yep same here. Must do a little montage of DCA letterheads one day. There isn't many of them who I haven't had the pleasure of yet.

How about writing a letter to a DCA that is all in DM format?

What phone do you have? or just post the barcode here and I'll pm you the end result. Don't say which DCA is is for, just in case they happen to read this thread and tie the info.

Now as a good mate of mine suggested. How about a DM that says "without predudice" on all the letters we send that we don't want them producing in court? Then pop out the phone with the DM reader software installed, and show the judge how it works. When they protest, say, "well they should know how it works as they use them on their own letters." And produce DCA threatogram with a DM on it and use the phone to decode it. Ignorance of the law is no defence. Especially if you use their own technology against the ignorant DCA's.

The Co-Op bank do not know the laws governing the cca 1974 maladministration is rife.