Hi there, I would like to get some advises regarding Vodafone had shared my personal information regarding (full name, address, DOB, email address) Undeniable, once a contract has been formed in between Vodafone, if without monthly payment, Vodafone will pass the information and shared with Debt Collection Agency because Vodafone appointed DCA to collect the debt on behalf. Vodafone claimed that, that clause was in the contract. (Thats what I have been told by Vodafone after the incident.) However, I do not owe Vodafone any money nor any outstanding amount, however, my account was closed yet Vodafone did not do a proper job to close my account, leaving my records in their systems as debit situation hence passing my information to DCA without me knowing it at the first place. A few months later, I got 2 letters, 2 emails from DCA (generic name Jayne Carter) asking for payment as I owed Vodafone, out of the blue, I have no ideas because during the time I had left Vodafone, I have ensure no outstanding payment, which I got a text message from the Customer Service department to confirm that (still have the text message as evidence). I went to Vodafone, they never admit it was their systems fault due to the system automatically flagged up as outstanding and and accidentally passed my personal information to DCA. During the months, no letters from Vodafone or emails to stated that I am owing them money, but directly passed my information to DCA. Numerous phone calls and complaints lodged, Vodafone finally contacted DCA to close my case and no outstanding amount. However, my concern is, Vodafone told me, they couldn't ask DCA to delete my personal information which they had passed to them in the first place because of their mistakes. I have phoned to DCA, they said the same thing and they will archive the record but could not delete my personal information even though they will not need it anymore (from my view, no reasons they will withhold my personal information). Could anyone please advice? is it worth for me to send the SAR to DCA to ask for the information they are holding? thanks for your advises and very much appreciate. Regards,

Today I received in which looks like usual fob off letter from barclaycard rejecting my initial claim for unfair charges totalling over £240. All my charges were for £20 and a one-off charge of £40. In their letter they state that their charges of £12 are in line with their actual and estimated costs etc and are printed on back of statements each month. What next - do I reply mentioning the above statement and what I have been charged ? Thanks for any help

I recently won against PRAC financial in a claim they made against me for a disputed PDL. (The dispute is still awaiting FO decision). Exact reasons the judge quoted were no evidence of assignment of the debt to PRAC and no evidence of a Default letter sent. Also their default was in the wrong company name. My other thread regarding the claim... https://www.consumeractiongroup.co.uk/forum/showthread.php?484274-PRAC-BW-claimform-old-PaydayUK-PDL-Debt-***Claim-Dismissed*** Today I had an email about a change to my credit report. Turns out the change is PRAC reporting a missed payment. Considering I won the claim what do I need to do to them. I assume writing to them stating the judge ruled no default/assignment so they have no right to either use my data, make changes to my credit record or in any way deal with me. Then demand they remove all entries? Any tips/examples floating around that will guide me?

i have a defaulted loan of 2k with 1st credit. one of 2 debts left that ive not done the business CCA with yet. they are a bizarre DCA. Ive had no issues with them but i get friendly "offers2 from them" now and again. they have offered a 50% reduction (which i cannot afford) on the account. are Everyday in trouble as per cattles or are 1st cred in the wotsits??

Morning CAG members, Wonder if you could give some advice please. I split from my wife last year and took all the debt in my name with me (which was roughly half) - unfortunately I wasn't able to keep up on any repayments as I'm not on a massive salary and now have to rent privately and pay all bills from one wage now. I explained everything to my creditors and so far so good. However, I received a letter from Nationwide in regards my loan which stated; "We recently identified an issue with some of our arrears statement" goes on to apologise for their error and says "in light of this error we will not pursue court proceedings to recover this debt" Further on it then asks if I want a "Notice of Correction" added which states that "Please note that this default relates to an agreement which the creditor considers to be unenforceable." Should I get this added to my credit file and due to my financial situation can I stop paying this? They've passed this onto ARC who have been sending me letter and called my place of work and recently sent me an income/outcome form to see what I can afford to pay. I informed them that i had a letter saying this loan was unenforceable and no legal proceedings will be pursued. They informed me that no legal action will be taken but they've been asked to collect payments by Nationwide. End of the day, do i have to do as ARC require, or can I just ignore this debt? If I can it would help me greatly as this is my biggest debt and am currently off my work with mental health issues. Thanks in advance for any advice.

Hello CAG Members, I hope you can help.. I just returned home while being away for few weeks and I received 3 letters from mml and moriaritylaw. It looks like to me mml and moriaritylaw work together and this is in relation to the same debt. So 1st letter is from mmf - dated 27/06/2017 demanding payment for their client 405.00 Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Long time ago i toke a Pay Day Loan with Mr Lender and I paid it off however i was late and I think by one month. I pulled out my recent credit file and Mr Lender is there and status of account is 'Closed'. I'm nit sure what to do next. There is no default on credit record, account status closed - settled. Please help I looked carefully through letters and it looks like those are for 2 debts.. So 1st letter (debt) is from mmf - dated 27/06/2017 demanding payment for their client 405.00 owned to CFO Lending. Then 2nd letter - dated also 27/06/2017 demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Then 3rd letter - dated 13/07/2017 - Final demand before proceedings, demanding payment for their client PDL Finance Ltd t/a MR Lender £787.50 Looking into my credit report I have only entry from Mr L and as closed / settled. Nothing on CFO Lending. I think I might have this loan but then stopped paying as I was rolling loans to cover other loans... help please... Apologies, here now in one multipage pdf. Letters.pdf

In May 2015, I filed a Consumer Credit Act ("CCA") claim with my then bank ("CCC") for faulty goods that I had purchased for which they were jointly and severally liable. They ignored that claim but after I obtained a successful Ombudsman's decision they finally agreed to process it. In June 2017, while the CCA claim remained in progress, the bank sold the outstanding credit card balance (of exactly the sum of the faulty goods) to a Debt Collection Agency ("DCA"). The DCA immediately filed a default on my credit file against my old address for the alleged debt. In September 2017, I moved home. I also served a letter before action on the bank in respect of the still unresolved CCA claim. That letter stated my new home address, as would be stated in all subsequent litigation. The bank ignored the letter before action and a county court claim was duly filed. Meanwhile, the bank would appear to have passed my new address to the DCA, who in turn have now removed the purported June 2017 default and replaced it with a September 2017 default. As you might imagine, a default which is now less than 6 months old is causing me serious financial prejudice. Is it lawful for a DCA to register a default for one month before then removing it and replacing it with a more recent purported default for a new address? Surely a "default" can only happen once? Is it possible to enforce the reinstatement of the original June default until the litigation is determined?

I am looking for some advice dealing with the DCA chasing after an alleged debt they say I had with Npower. I paid every month by direct debit and as far as I was concerned all paid off and sent the final meter reading on the day I moved out. I called them few months later and was told what the final bills was £36 and paid off. Now a DCA sending letters, but the company name is Npower Northern which I have never known. My bills had the name Npower and not Npower Northern. Have they changed names? How can there be an outstanding amount when paid by monthly direct debit ? I have read so many posts regarding their incorrect bills. I am going to call them today and send a SAR request and start the process from there. It is so unnecessary that we have to do this as when we pay every month and trust them to send correct bills.

Received a letter from a DCA acting on behalf of another DCA claiming that I owe an old credit card debt. Sent the prove it letter as I do not recall having this debt, they've taken best part of 6 weeks to come back to me with a letter that states they can prove the debt and have enclosed the signed credit agreement. Long and short of it, the credit agreement is signed by me and is legit, but it's for a completely different lender?!?! They've tried to obscure the lenders names so that I don't notice, but there is small print showing the lender, so i know it's not correct. My question is, can I get these guys in a big way, as they are basically fraudulently trying to back me in to a corner to pay with false paperwork. What kind of steps should I take next please? Many thanks for any advice given.

Hello Just wondering if anyone could give me some advice. About 5 years ago a debt I had was assigned to a DCA and a payment plan was agreed, the value of the debt was then £4750. THe DCA then decided to take me to court because I could not increase my payments they managed to get a CCJ against me for paying £20 per month. At the time the judge actually asked the DCA if they wanted to put a charging order on the debt and if so they could apply to do so. Despite my protests another hearing was established and the judge granted the charging order. The DCA also asked for interest on the debt to be applied but the judge said a debt under £5000 could not have interest applied. Since then I have paid without fail every month £20.00 as ordered. However due to financial difficulties and other debts I eventually went on to an IVA which I have now been paying for 3 years. My IVA practitioner said that the CCJ was separate and I should continue to pay that as it was now a secured debt and did not form part of the IVA. I recently had a letter from the DCA saying that my £20 per month is up for review I have to submit to them proof of my earnings and outgoings so they can assess my monthly payment. I explained to them that this was a CCJ and £20 was agreed by the court but they are saying that under new FCA rules they can assess my financial circumstances and if I can afford to pay more then they are entitled to more. The CCJ never said this. The thing is under the terms of my IVA if there was any more I could pay then surely the IVA gets any extra and not the DCA. Any advice on this please, is there a new rule under the FCA? Can the DCA enforce me to provide my income/expenditure? Thank you

Hi What is the difference between a credit card company 'referring' a debt to a DCA and them selling it on? How do you know which one it is and what is the difference?

Hi My son has recently applied for a mortgage and has been turned down due to a default on his file which originally was Shop Direct which then defaulted and was sold to Lowell. The amount was £371 and was paid off in full to Lowell in Oct 2013. It is due to drop off his file in August 18. I am trying to help him get this removed because I have read somewhere that usually if debts like these are passed to Lowell they are in some way unenforceable by the legal route. Can anyone tell me who would I SAR so I can start digging to see if I can find anything and what would I look for? Cant find any old paperwork even relating to this account but I have some emails relating to Lowell. I have had dealings myself with Lowells and they are currently chasing me for an old debt with Provident and I was wondering if I cant help my son with getting the default removed by finding something untoward, then do you think I could use my debt as a bargaining tool to either remove the default from his file or transfer it to my name. I would rather it be on my file for the next 9 months than his. I know this is underhand but I dont think they are exactly saintly themselves. Can anyone help with this please. Thankyou

hi to all im a new user on here and need some advice please! here is a brief description on the matter back in 2013 i signed up with talk talk for phone bb and tv services, after approx 3/4 weeks of no services i rang them up and told them i would like to cancel the contract as they had not provided me what im paying for. after numerous phone calls about the above issues talk talk said the contract would be cancelled and that would be the end of the matter there would be no charges due to early termination of contract etc. although i never received anything in writing from them i left it as the matter was delt with. fast forward to two days ago and i got a claim form from Moriarty law working on behalf of jc international acquisition. they are claiming £572 for non payment of agreement from talk talk I'm confused about this as i was under the impression it had been sorted years back!. i have sent a reply to the court with a acknowledgement of service i can get some information about this as i intend to fully dispute this. how do i get information about this old account ? any letters that was sent to me , phone calls ?? how do i file a defence for the court I'm confused by all the info on this if anybody could help id be so grateful many thanks for your help

Hi, It's been a while, haven’t been well for some time due to issues that occurred in a previous (recent) thread of mine, but after a year I’m starting to come to terms with what happened although I have been left in a financial rut. (I am not entitled to compensation so I thought about selling my story but don’t know how to go about it) Recently Wonga, and two MMF entries have now disappeared from my report I decided to check my Exp report and see how I really do stand financially since the "Great Advantage Finance Escapade" and forking out £3,500 for legal fees last year. My Current Credit Score 620 – This was below 400 last year:-) The total balance of the defaulted accounts is £5,742. – This was nearly £9k last year This is made up of 2 x Mobile Phone companies – Will drop off in less than 6mths, 1 x Catalogue – Going through a PPI claim (it’s a hell of a lot more than the default:wink: ) and the following that I have concerns / require advice on: 1) Instant Cash Loans Ltd T/A Payday UK: Account Started: 25/10/2010; Default Balance: £425; Current Balance: £0 Default Date: 01/04/2011; Last Updated: 08/09/2013 Debt Assigned to CAIS Member: Start date 01/02/2013 2) Lending Stream: Account Started: 28/01/2011; Default Balance: £788; Current Balance: £0 Default Date: 21/11/2011; Last Updated: 15/06/2014; Default Satisfaction Date: 13/02/2014 3) PRA Group: **This Debt relates to the above Lending Stream Entry** Account Started: 28/01/2011; Default Balance: £808; Current Balance: £808; Default Date: 05/01/2012; Last Updated: 02/11/2014 4) CashChoice: Account Started: 29/09/2010; Default Balance: £880; Current Balance: £1,480; Default Date: 26/02/2011; Last Updated: 25/09/2011 5) CFO Lending Ltd: Account Started: 01/03/2011; Default Balance: £940; Current Balance: £930 Default Date: 11/07/2011; Last Updated: 22/03/2015 item (1): I have no idea who these are or who the Assigned CAIS Member is (what is one?) I suppose I don’t realy have to worry about this one as the balance say’s £0 and the last update is 08/09/2013. I would love to know more details about this but I’m worried that it might open a can of worms if I do. Item (2) & (3): I have my SAR from PRA Group – it relates to Lending Stream and MEM. I’m not fussed about the MEM bit as it’s not on the report & they do not have any grounds to chase as no default issued or notice of assignment. (only the Agreement & a crappy excel statement) As for the Lending Stream bit the agreement states the value of the loan was £315. Of which further into the SAR it states £95.50 has already been paid (£94.50 was taken from my account the other £1 for the agreement) & the Default Balance is £808.00, yet the Credit Report says £788. The Default notice stated £347.00 is now due, this is the loan amount + £32 of charges. Surely the default value would have been the loan repayment amount of £409.50? The letter regarding notice of assignment from Lending Stream to PRA Group show’s the contact details on the right hand side as, this is normally Lending Streams – is this a dodgy put together job?. Surely the Lending Stream entry should no longer be on my report as PRA Group are reporting? There has been no Credit search by Lending stream to see if I was acceptable for a loan. Attached is the SAR from PRA Group – notice the Call Times despite me stating no Telephone contact – early in the morning very late at night. By their own admission they’ve proven harassment. Item (4) & (5): I did originally have a thread here: http://www.consumeractiongroup.co.uk/forum/showthread.php?370900-CFO-amp-CashChoice That related to Cash Choice & CFO but got moved all into the CFO section. I have’nt heard from any of these since the posts in the thread above. The SAR’s for both are attached, though CFO’s is less than helpful. Cash Choice – Loan Value £400 yet they are claiming I owe £1,480 nearly 4 times of original Value CFO – Loan Value £375 yet they are claiming I owe £930 nearly 3 times of original Value I cannot see the CFO entry being paid in on my statement for the dates of the agreement (only previous settle loans entries appear). With CashChoice I did speak to a DMC and had been paying them to deal with my debtors.. but I cut all ties with them when balances did not seem to reduce greatly. In May 2013 I received an email stating reduce settlement offer: Balance: £3985.59 REDUCED SETTLEMENT OFFER - £996!!! I did try to resolve the original balance with them (noted in the SAR) and asked to contact a number of times but no one ever came back to me. Also no letters were ever received from Cash Choice. Is CFO going the same way as Wonga over their handling of accounts? Both companies have not conducted any form of Credit Search to see if I was acceptable for a loan of any kind – trust me I would not have been. The SAR's

Hi, Just wondering if I make a complaint about irresponsible lending will that halt any action being taken on a debt? Had 3 letters from Moriarty Law re Motormile for old payday loans with Northway Broker Ltd to my ex's mums house. This was in June! Have only just been told by ex's mum that she opened these letters and that she told them I dont live there anymore. The letter states 'In the event we do not hear from you within the next 14 days we have been instructed to issue proceedings without further reference to yourself.' Now as I say this was in June. They havent been in touch since but worried about them going to another previous address and trying to do a ccj there. There are three separate loans -£286.47 £218.75 and £318.96 Not sure how to move forward with them any ideas would be great thank you.

just found a letter which I knew was somewhere regarding amount due to Santander Thank you for recent contact. Please be adviced Robbinsons way is servicing the above account on behalf of hoist p holdings 2 ltd who purchased this account from Santander . Notice of assigment sent dec 2014 account defaulted 25 may 2011 second account same as above diffrent account notice of assigment sent out on nov 2014 defaulted 17 march 2011 I have sent them a cca for both the reply was as follows the accounts were put on hold temp pending recipt of this document we will contact you in due course question if the default was as state then one is statue barred the other will be am i right in this thanks

Hi New to the forum but have reading through a lot of related threads and now i'm a little confused as what action to take (if any next). I have spend the last couple of years fixing my shambolic credit history, got myself into a right state back in 2010/2011 with debt totalling around £12k with various creditors, defaulted on everything and avoided by ignoring letters/moving, etc. Over the last 2 years I have been tackling them one by one arranging settlements and have a single creditor left totalling just over £4k. This debt is related to a Bill of Sale Agreement for car finance. I paid the agreed amount for nearly 2 years of the 3 year agreement before I defaulted. They ended up taking the vehicle and sold it at auction. I later found out that I could of contested them doing this since no Bill of Sale stamped by the court was produced. They also never provided me with an auction receipt to prove the amount the car was sold for. This was back in 2010/2011 but can't remember the exact dates. Fast forward to now i'm being chased by a DCA to pay the outstanding amount. They have sent a few letters which I have ignored up until now, letter essentially reads that if I do not contact them in 28 days then my account will be reviewed for legal action. Previous letters up until this have all been very nice. Considering the age of the debt, it's very close to being statue barred which could be why they are now looking at escalating. I have a default registered on my credit file from the DCA (not the creditor) dated 05/2011. I don't have any paperwork relating to the agreement or statement of the account so can't check if this date is true. So far I have not responded to any letters but I did call them around 6 months ago and tried to offer a settlement. They said they would call me back if they accept the offer but never did, nor have they attempted any other phone calls in attempt to recover. No subsequent letters have been in response from the phone call. So a few questions on this if I may:- 1) (In relation to SB) Have a shot myself in the foot by offering them a settlement over the phone? Haven't confirmed anything in writing. 2) What should be my next action? Continue to ignore or send a prove-it letter or CCA request? Any advice would be greatly appreciated

Hi All, I am disputing SB status of an old CC debt with default date of March 2010. No payment or acknowledgement was made ever since the default date to any of the DCA's who chased this debt. The DCA currently chasing me had threatened court action to which I responded with the standard SB letter quoting the Limitation Act. However they have come back stating it is not SB as the original creditor had received the last payment in July 2014, which is absolutely not true. The only payment I made was in July 2014 of £1 fee to the DCA chasing at the time to produce the CCA and I had clearly noted in the letter then that this is only to be used as fee for the CCA and that I do not acknowledge any debt. It was not towards the debt and certainly not to this DCA. The interesting this is the outstanding amount quoted by the then DCA and this DCA remains the same, i.e. they have not applied the £1 to the debt (and they should not any how). Can someone please advise what should be my next action? They seem to suggest in the letter that I shall be getting Claim forms soon. Thanks in anticipation.

Hi quite some time ago I got myself into some difficulty mainly as a result of several redundancies and a failed business venture. Due to this and feeling I had an obligation to pay my debts I entered into a DMP with Payplan. have been paying £150 a month again I'm finding myself in a redundancy situation have started to think I'm not doing the best for myself. I have a mortgage that I have never defaulted on and never had issues, I've never changed lenders whilst in the DMP, I have been making payments into since December 2011. I went with a DMP as I work in an area that any CCJ's/Bankruptcy would cause me to lose my job. In total I have a combined amount of just under £30k outstanding. Creditor Default Date Opened Date Santander 02/04/2012 15/10/2007 Loan Link 31/05/2012 02/08/2007 Credit Card Capital One 03/01/2012 13/02/2006 Credit Card RBS (Westcot) 20/01/2012 04/02/2006 Credit Card Link (CO-OP) 05/09/2013 16/02/2005 Credit Card PRA (MBNA) 30/04/2012 23/09/2004 Credit Card PRA (MBNA) 30/04/2012 01/11/1999 Credit Card Nationwide Oct 2011 14/05/2009 Subject to Tomlin Loan I'm thinking of stopping the DMP with payplan and potentially asking for CCA's from all of the creditors, apart from Nationwide as I think I've shot myself in the foot with the tomlin order. The balance on this is approx £2700 if I can free myself of the other debt I will divert the full amount to this and get it paid over 18 months. Unless anyone suggests anything else. My understanding of the CCA's is that prior to a certain date they are obliged to provide me with a copy of the original agreement but I might have that wrong. Any help or advice would be greatly appreciated

Hi guys will start this " high level" but appreciate we may need to delve into the lower level detail too.. In April 2017 a case I was a defendant for was "struck" as an order placed by the judge upon the defendant was not complied with. Through the post last night I get a new county court for the same account, same claimant but different "solicitor" to send " payments/ documentation though to. Is this REALLY allowed? and if so in what cases? Just strikes me as odd Thanks

Good morning everyone! I wonder if anyone could kindly give me someadvice for my next move: Barclaycard refused my wife PPI when she was hospitalised in 2011 saying she didn’t have a policy. In 2013 we found out she DID have PPI, so of course setabout claiming it back, and finding out why we weren’t given the opportunity toclaim. Barclaycard made it clear, that any payments would payoff the balance on the account (£8K) and that the account would be closed. During this time we negotiated a reduced monthly rate of paying the account, infact this was by continuous payment authority on a Debit Card, so the account was being paid. My wife was offered £11k initially, but we negotiated because of their many errors and got £15K. So they actually paid £7k to my wife after clearing the account. The PPI claim was ongoing from Dec 2012 to August 2013. in June 2013 without anyone being aware (even the PPI department), a different Barclaycard department sold the debt of £8k on the account to a DCA At the same time they put a default on my wife’s credit file? Then the DCA put a second default on my wife’s creditfile and Experian have told us it is impossible to have 2 defaults for the samedebt, but yet they are still there? We explained the situation to the DCA who refused to believe us, we told them the debt was cleared and the fault lay with Barclaycard. We explained this to Barclaycard who did the same and wouldn’t listen. We even had the final offer letter from Barclaycard that stated that the account would be Paid Off before we got the balance. And of course we have bank statements showing the Award minus Debt = balance going in to my wife’saccount. DCA (who have their own in house solicitors) have taken my wife to Court. We have counter claimed, only for a maximum £500 to keep down our costs. We figured we would deal with DCA then take Barclaycard to Court. But one of the questions I want to ask you guys on here is from what I have read, you can only claim for ACTUAL financial loss and not damages for reputation etc? Is that correct? And finally I am wondering if I can end this early: DCA (solicitors)have: 1. Failed to send in Allocation Questionnaire on time. 2. Failed to attend Court for Directions hearing when required to do so on May 5th 3. Failed to pay Court Fee ordered to be paid by June 4th 4. Failed to file Witness statements by June 9th. In the latter point (4) the Court office made a mistake in not informing them to file papers by the 9th June (they were told a later date), but if they had attended for directions on 5th the Judge gave me the paperwork to take away with me clearly stating filing date: Both the correct and incorrect paperwork did however both say they should pay hearing fee by the 4th June however. At the Directions hearing the judge said to me that “he would strike out the claim”, but that we need our counterclaim following through for costs, and more importantly to clear my wife’s credit file. He also stated that there was a danger that they would just claim again. Does anybody have any further comments to add or advice, because I think that for a DCA with their own solicitors they need teaching a lesson?

As the title says. This is not a final notice, but the very first. I'm not even sure what the debt's for, but I've looked at the template letter on here and I am going to send that. Just wondering if there's anything in the CCA that stipulates a minimum amount of time to pay back the debt. Cheers!

Hi guys, I have been reading the forums and the amount of helpful information on here is amazing. I am hoping to get some advice about my situation. I am an Australian Citizen but recent UK resident and I am having some issues with a DCA at the moment called Credit Corp. Essentially they are chasing me for a 10k personal loan, that I wasn't be able to pay. I haven't made payments in the last 9 months to 1 year so I am assuming the bank very recently sold it on to them. They have called me at my place of work in the UK to identify me. I did not want them to call me at work again due to the fact that all calls are recorded and listened to by my boss and I work in quite a small company and I have direct contact daily with the CEO and managing director so I dont want this to cause problems. I have a few questions around privacy concerns and also am wanting some advice around what to do. I am not in a financial position to pay the debt at the moment and I am quite sure I will not be returning to Australia within the foreseeable future to live there. I don't want to skip out on this debt, but I am also not in a position to meet their demands or pay much money as most of my salary is eaten up by high living costs here. They have told me they expect me to pay £750-£1000 a fortnight, this is 4x what I was paying on the loan originally, and to be honest even if I could afford this I am debating if it is worth paying to this company. They have made out like the bank is saying that I have to pay this much, when further research shows that they buy debt for pennies on the dollar, so they are trying to make money off of it. I have had 2 discussions with the DCA, one telling me to pay a lump settlement and one about structuring payments. A few concerns I have at this stage around privacy and coercion are as follows : I believe the DCA found my employment details on Facebook as I made this viewable to friends and friends of friends a few days ago, however I don't add people I do not know, so I am concerned about how they have found this information, and if it is through Facebook if they are making fake profiles etc, as I know from a limited amount of research this is not ethical and possibly not legal. Is there a way for me to find out how they got this information? The DCA rep also asked for my address in the UK and I advised I didn't want to give it to them, they advised me this is required by law. I do not believe this is correct. Can someone please verify this? I have given a past address for now, and if it is required I can tell them I have moved and give them my new address. If this is a lie, then essentially what can I/should I do about this? Can I complain, or use this to assist me in getting them to stop contacting me? My main concern at this point is legal ramifications, which from what I have read for the amount of money I owe I should be fairly ok as they probably won't do much apart from make threats. I am only on a short visa, but I believe the company I work for will be able to assist me in obtaining a work permit and then eventually I will be able to get residency and a UK passport. This is a fairly recent debt, so they still have a long time to chase it before statute of limitations set in, do you guys think it may cause me legal issues down the track or that if they sell it to a UK debt collection agency that this will cause problems with UK credit? I don't have any credit at the moment, but this may be something that I need to look into further on down the track if I settle here. I am also worried they won't stop coming for me for the next 5-6 years at least, which would be frustrating and stressful, I guess feeling like I'm looking over my shoulder waiting for the harassment. My main concern is that they will keep harassing me and calling me at work, as letters emails and personal calls are easier to deal with. I have read on the ACCC website that if I write to them and ask them to stop all contact that they will only be able to send court orders etc. and only in writing. Is this accurate? Or will they continue to hound me, as this is the indication I am getting from other people's posts on here. If this is the case would it be better to ask them to contact me by email or post only? If they don't oblige I am gathering I can complain to the ACCC either way, which should help stop them for a little while atleast. I am assuming if I do this they will get their UK attorneys to send me threatening letters and start calling me, again from posts of people in similar situations on this forum. Any advice you can give me would be much appreciated. My main focus at the moment is just getting rid of them for the moment, and then looking into the legal ramifications and options and making a plan from there rather than being pressured into someone who is trying to meet their KPI target for the month and lying to me to get my money. Thanks to all the people that have posted similar situations, it's already been a massive help in easing my mind and helping me not stress about this situation so I can get it resolved one way or the other.

Good afternoon. I owe a trade supplier £200 for goods I have received. I have returned stock to the value of £139 which they have agreed to credit me with. Therefore I owe the supplier £60. However they have got a DCA to chase me and the DCA are claiming £566 presumably made up of some jumped up charges. I have asked the DCA to confirm what I owe for Goods supplied but was wondering what else I should do? Thanks in advance

A DCA, Moriarty Law has contacted me over a phone bill from Dec 2012 (so not a 6 year debt yet). It was for £300 and I remember a dispute over the final payment in 2012 that I was unfairly asked for as I had terminated the agreement over the phone, but this seemed to have not been recorded. This debt was obviously “sold on” as I received one letter from a DCA in 2014 at my previous address in Suffolk and then nothing until this one arrived at my new address in Sussex a few weeks ago threatening court action if I didn’t pay from Moriarty. I didn’t respond as I thought they would leave it and it was a new address and I was scared that it could be a trick to check my new address and other debt agencies could catch up with me, if the details were somehow passed on from Moriarty. Well now a court claim has turned up. I am in two minds what to do. At the moment I can afford to pay it (as for the first time since 2010 I have managed to start earning out my way out of poverty for the past 6 years or so), but don’t feel I should because it was unfair charge at the time. However I have alot of stress at work at the moment and don’t want the hassle or uncertainty of making a defence (see my reasons below relating to possible unemployment and further outstanding debts) , so I am thinking of just paying it anyway. But my concern is that the DCA (Moriarty) might think I am an “easy touch” and look for other debts from my previous address (I assume they can look these up on Experian – I have never logged on to this as you have to give your current address and other creditors could find your new address - which has happened to other people I know). I have a few other debts from that time period in 2012 (2 * £500 debts from a bank account overdraft and the same banks credit card) and a different DCA is sending debt letters to my previous address but has not found me at my new address) where I am going to try and negotiate a settlement now I have some money. I don’t want to potentially jeopardize these negotiations by paying up "without a fight" to Moriarty’s claim against me. there are two issues here that that I am trying to resolve: 1. I am worried that if I pay this amount to Moriarty, that they will look up my credit history via e.g., Experian and go after other debts as I am perceived as an “easy target”. Do others on this forum know of this happening? 2. If I defend the claim and ask for proof that I owe this money I guess they have the necessary documents proving the debt from the original phone company. Or maybe not. However if I make a defence and I lose it (because they can prove the debt – is this likely after a previous DCA had passed it on to Moriartys?) , then I may have a CCJ against me and my current contractor will no longer hire me as they have a clause stating they won’t hire people with CCJ’s. _ I will go back to not having money and not being able to pay off or negotiate the debts! 3. Do you get a CCJ if you lose the defence and still pay the amount owed (how much more costs would incur fighting the defence assuming it also done via paperwork and quickly – at the moment the court fees and legal costs on top of the £300 amount to around £100. Any comments or help would be appreciated asap – as I have to do something in the next few days as the clock is ticking. Many thanks in advance.