But I don't have a "contract" with the DCA and they don't own the debt, surly thats means I'm not obligated to deal with them?

OK, I just rang the OC, Vodafone, who own the debt, they are refusing to take payment and say I must pay the dca, I told them I wont be dealing with their dca due to them being incompetent and unprofessional, am I right in thinking I'm well within my rights to only deal with the owner of the debt? Thanks.

Hello, I cant find anything about paperless claims, just stuff from other countries, she said I was wrong when I said a county court claim would be heard in court if defended???

Hello, Just called these guys (FPC), they often deal with capital one debts, the girl was on about some "paperless" court and didnt seem to realise defended claims would be heard in a court, anyone have a clue what shes on about? (I have uploaded the call to the attachment). Also she gave permission for me to record. Thanks. Recording.mp3

Almost the same thing happend to me (barclay card debt and lots of phone calls), I sent them this message through their website: "Hello, Not a business proposal, but rather something that you might want to read. I have a debt with Barclays, currently being pursued by CSL (lookup my account details with the info provided). Understand the following: All calls made both to and from any of my phones are recorded. This email serves as notice of such, the purpose of recording the calls you make to me is to place them on the YouTube.com website (publicly available) and include details in the title of the video that will cause the video(s) to show at the top of a google results page when a future potential client of yours searches for "credit solutions" using google. Whats more, when your staff breach either the OFT guidelines or any other law (as they often do) a copy of the call will be passed over to OFT or the relevant authority (if ANYTHING that can be considered criminal is said, that will be the police. If the caller is abusive or unprofessional (as they often are) I will pass a copy of the recording over to the client you represent (Barclays). Further I wont tell the person calling at any point I'm going to do this, since CSL LTD has already been notified. I will call yourselves and notify you of what I'm doing by phone as well (recorded), I wont upload that call to youtube but you will have no excuse that you where not made aware of this. Beware that the call made to me yesterday from "Ali" an "Accounts Officer" was recorded, during the call numerous violations where made of the OFT guidelines. If you call again you have placed yourselves in a deeply troubling situation, you know your staff flout the law on a frequent basis, yet due to the systemic disorganization within CSL you also know your staff will be totally unaware of what I'm doing with the calls they make, too bad I have fulfilled my legal obligations though. The above applies to all of CSL LTDs sister companies such as "power2contact" etc. I suggest if you want to keep making calls to me you ensure every person within the CSL organization is made aware of this, or they might be annoyed to find what they assumed was a private call, on the internet. BY CONTACTING ME YOU CONSENT TO THE ABOVE - IF YOU DO NOT CONSENT - DON'T CALL, WRITE INSTEAD. CSL LTD and POWER2CONTACT LTD implied right of access to my residence is withdrawn. Have a good day." They instantly stopped calling, not a conventional way of doing it, but it worked, I meant every word of the letter aswell. These guys don't play by the rules, they have little regaurd for the law, play them at their own game.

Jesus christ, they are utter ****, this shows the banking industrys true colours.

HA! Fantastic, Its always nice to hear things like this

I am only paying a £1 a month of my credit card debt with them, so they woulnd't be happy with that, I have only ever kept £1 in the savings account so had no idea what would happen when a large enough sum to pay of the credit card was paid in, I have a good feeling based on what I have read that if I had kept the money in the savings account long enough they would have took it. I felt pretty damn pleased with myself this morning

Here I am at 4:20am - it worked !! Money transferred and received by another bank. I have no idea if they would had taken the money but based on what I read online their was a chance, glad it's worked though of course.

Thanks Bazooka, Ill send that letter, Ill also be checking my balance online at 4:30am anyway to try and transfer it out quickly!

Hi, I understand that they can do it but I was wondering based on the factors above if anyone had any idea how likely it might be? I need the money to pay for more important debts/food etc. I am on a £1 arrangement and can't afford to pay this off all in one go like this if they offset it, I think Ill just have to set my alam clock for 5am and try and transfer it out quickly (assuming its not offset instantly by a computer).

Hi, I have a credit card debt with Halifax for about £340 currently on £1 per month payments (been on them about 18 months), I have a savings account with them also, I made some money on Amazon and used the Halifax savings account to have my Amazon earnings sent to, they should arrive in a few days, trouble is the ammount Amazon is going to send is about £370, enough to wipe out my credit card debt, I am worried Halifax will take the money from the savings to do this, please can any one advise on wether this is likely given: * The debt is small at only £340, (do they still tend to use the offset rule on small debts?). * I have an active and maintained arrangement on the account. Also when an ammount is offset from an account is it done automaticly by a computer as soon as a large enough deposit comes in or is there a delay between the deposit comming in the account and a employee manually offsetting the debt giving me time to transfer the money away to another bank before they have a chance? (eg. is it instant or is there a delay). Thanks very much all

Now downloading... I always upload ".mp3s" and they work, guess zips and wavs dont.

A direct debit can be reversed for any reason (direct debit guarantee), just ring the bank, say you want to reverse the direct debit and if they ask why just say its been taken out on the wrong date or seomthing or its the wrong ammount, the money will be back in your account within 24hrs (I have done this several times without problem), once its in the bank I would suggest taking it out/moving it to another account.

Love your letter! I just upload my calls to the CAG website using the attachment feature when posting and haven't had problems from the mods/admin, would love to hear the call

OK, well haven't heard from them since so it certainly seems to have worked in the sense they have stopped calling. While its only been 10 days they where calling quite often so I am rather confident this has done the trick.

Glad you all like it Ill certainly keep you all posted. I rang them last year an told them I would be putting their calls on youtube and they stopped ringing until now.

Inspired from a call from them yesterday I sent them this using the business proposal form on their website: "Hello, Not a business proposal, but rather something that you might want to read. I have a debt with Barclays, currently being pursued by CSL (lookup my account details with the info provided). Understand the following: All calls made both to and from any of my phones are recorded. This email serves as notice of such, the purpose of recording the calls you make to me is to place them on the YouTube.com website (publicly available) and include details in the title of the video that will cause the video(s) to show at the top of a google results page when a future potential client of yours searches for "credit solutions" using google. Whats more, when your staff breach either the OFT guidelines or any other law (as they often do) a copy of the call will be passed over to OFT or the relevant authority (if ANYTHING that can be considered criminal is said, that will be the police, just like I did with a call from "Sam" at Mackenzie Hall). If the caller is abusive or unprofessional (as they often are) I will pass a copy of the recording over to the client you represent (Barclays). Further I wont tell the person calling at any point I'm going to do this, since CSL LTD has already been notified. I will call yourselves and notify you of what I'm doing by phone as well (recorded), I wont upload that call to youtube but you will have no excuse that you where not made aware of this. Beware that the call made to me yesterday from "Ali" an "Accounts Officer" was recorded, during the call numerous violations where made of the OFT guidelines. If you call again you have placed yourselves in a deeply troubling situation, you know your staff flout the law on a frequent basis, yet due to the systemic disorganization within CSL you also know your staff will be totally unaware of what I'm doing with the calls they make, too bad I have fulfilled my legal obligations though. The above applies to all of CSL LTDs sister companies such as "power2contact" etc. I suggest if you want to keep making calls to me you ensure every person within the CSL organization is made aware of this, or they might be annoyed to find what they assumed was a private call, on the internet. BY CONTACTING ME YOU CONSENT TO THE ABOVE - IF YOU DO NOT CONSENT - DON'T CALL, WRITE INSTEAD. CSL LTD and POWER2CONTACT LTD implied right of access to my residence is withdrawn. Have a good day."

Hi there, I have attached for you a recording of a phone conversation I had with EOS today, I told them to stop calling me and they agreed after threatning them with the OFT, this is also in reguards to an eBay debt. Hope this helps! Call.mp3

Hi, Yes I'm pretty sure you would, since it didn't conform to contract, I think if it had broken after initally working while in his possesion you woulnd't have to refund him though.

Hi, Your Daughter would not have been able to have executed a legally binding contract unless she was 18, so basically 18.

DONT DO ANYTHING FOR 28 DAYS!! This way the CCJ will get recorded against them

Yep, you can offer them each "Full and final" settlement offers.

I know, if he really was a door step collector it sounds like some pretty illegal practices where going on.

Debt collection - Advice - Digital Spy Forums You may find "lakes" posts somewhat interesting, personally I guess he works for the provi, I'm "County Court" on that forum