Student study group seeking views / experiences of DCAs

[students]

I'll help and I don't care about confidentiality as my cover is blown anyway. Just tell me where to send the answers, or I'll post them on here if that's ok.

 

You can post the answers on here that is fine and thanks for your supports.

 

Students

[students]

How do you want the questionaire filled in? Can you not set up a web site and send us the link, then people can complete it via that on line? Do you want us to do one for every DCA we are dealing with?

 

I don't mind completing it if you can tell me what to do? happy to support students

 

The site team would have to approve the link.

 

Can you just fill one questionnaire out please. We don't need one for every DCA that you have dealt with. Just an overview on all of them.

 

One questionnaire will be more than adequate and help us with the statistics.

 

Thank you

Students

Edited March 14, 2011 by students
wrong spelling

[students]

If you would prefer to fill the questionnaire out privately you can email us and then we will send the questionnaire to you (using microsoft word) and then fill the survey out save it on your computer etc and email the finished one back to the email address that we send you.

 

We would gladly appreciate your inputs as this will give us the full picture of the industry.

 

Students

[babybear39]

UK Debt Collection Industry

 

 

1. What is your gender?

a) Male

b) Female - Female

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59 - 42

d) 60+

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4) - All of the above

 

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 + - well over that TBH

 

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7) - maybe.

 

7. How would you prefer to communicate with debt collection agencies? - letter and email. Leaves a solid paper trail unless I'm in a silly mood and up for laughing at DCAs.(please explain)

 

 

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor - everytime (mostly).

b) Very poor

c) Average

d) Very good

e) Extremely good

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes

b) No - maybe.

 

 

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11) - Yes.

b) No (answer then please go to question 12)

 

11. What did you do to research the debt collection agency? - Internet and debt charities such as national debtline and CCCS. (please explain)

 

 

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13) - Yes.

b) No (answer then please go to question 14)

 

 

13. Was this website useful to you? (please explain) - No. They're usually self praising, idiotic rubish.

 

 

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied - Yes. Which is why I've stuck around for nearly four years.

 

 

Thank you for your help

 

Hope this helps and come on CAG, help our students

Edited March 15, 2011 by babybear39
Mis read Q. Well I am a dumb blonde :P

[PGH7447]

BB question 14 - extremely unsatisified,shame on you:wink:

[car2403]

uk debt collection industry

 

 

1. What is your gender?

a) male

b) female

 

male

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

 

b) - 26-39

 

3. What correspondence was used to contact you?

a) letter

b) telephone

c) email

d) other (please specify in question 4)

 

a) and b)

 

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

 

c)

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) yes (answer and please go to question 8 )

b) no (answer and please go to question 7)

 

 

a)

 

7. How would you prefer to communicate with debt collection agencies? (please explain)

 

in writing - this way i can prove what they say, what i said and what was agreed, rather than me having to record phone conversations to do just that. I find they aren't always as truthful as they should be, otherwise.

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) extremely poor

b) very poor

c) average

d) very good

e) extremely good

 

 

a) although this isn't the fault of the monkey on the phone, it's organisation failure of their employers and lack of training, particularly around debt collection guidelines and legal requirements of the consumer credit act, etc

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) yes

b) no

 

a)

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) yes (answer then please go to question 11)

b) no (answer then please go to question 12)

 

a)

 

11. What did you do to research the debt collection agency? (please explain)

 

used cag...

 

 

12. Did the debt collection agency have a website?

a) yes (answer then please go to question 13)

b) no (answer then please go to question 14)

 

a)

 

13. Was this website useful to you? (please explain)

 

no, it only allowed me to make payments, which i wasn't prepared to do on a disputed debt - i had to call them, instead

 

 

 

 

 

14. Have you been satisfied with the outcome from the forums?

a) extremely unsatisfied

b) very unsatisfied

c) average

d) very satisfied

e) extremely satisfied

 

e) - yes, i'm virtually debt free, thanks to cag and my fight against unscrupulous debt collection companies

 

thank you for your help

 

hth...

[students]

car2403 & babybear39

 

Thank you both from the bottom of our hearts and may the research we do help you out in your situation in the future

 

Students xxxxxxxxxxxxxxxxxxxxxx

[car2403]

car2403 & babybear39

 

Thank you both from the bottom of our hearts and may the research we do help you out in your situation in the future

 

Students xxxxxxxxxxxxxxxxxxxxxx

 

How many responses do you have and how many were you hoping to get?

[MARTIN3030]

UK

debt collection Industry

 

 

1. What is your gender?

a) Male

b) Female

 

 

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4)

 

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

 

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7)

 

7. How would you prefer to communicate with debt collection agencies? (please explain)

 

Strictly in writing only.

 

 

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

Never dealt with their CS.

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes

b) No

 

 

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

b) No (answer then please go to question 12)

 

11. What did you do to research the debt collection agency? (please explain)

Cag archives

CSA website

CC Register

Internet search.

Credit today website

 

 

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

b) No (answer then please go to question 14)

 

 

13. Was this website useful to you? (please explain)

 

Yes as gives their registered office address to enable checking their CC licence is up to date.

Also allows finding addresses other than the PO box numbers they often prefer people to use.

 

 

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied

[PGH7447]

sent mine by PM

[babybear39]

BB question 14 - extremely unsatisified,shame on you:wink:

 

I picked the wrong one in error thanks for pointing it out PG

[car2403]

I picked the wrong one in error thanks for pointing it out PG

 

We was thinking it was sumfink we'd said!

[babybear39]

We was thinking it was sumfink we'd said!

 

Nah, I was in a rush

[citizenB]

UK Debt Collection Industry

 

 

 

 

 

 

1. What is your gender?

a) Male

b) Female

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

 

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4)

 

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

 

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7)

 

 

7. How would you prefer to communicate with debt collection agencies? (please explain)

 

 

 

Strictly in writing as this protects me in the event of any litigation.

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

 

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes

b) No

 

 

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

b) No (answer then please go to question 12)

 

 

11. What did you do to research the debt collection agency? (please explain)

 

 

Cag archives

CSA website

CC Register

Internet search.

Credit today website

 

 

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

b) No (answer then please go to question 14)

 

 

13. Was this website useful to you? (please explain)

 

 

Yes as gives their registered office address to enable checking their CC licence is up to date.

Also allows finding addresses other than the PO box numbers they often prefer people to use.

Often statements are made on their websites that are not put into practice when dealing with their victims.

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied

 

 

citizenb:)

[coledog]

UK debt collection

Industry

 

 

 

 

1. What is your gender?

a) Male

b) Female - last time I looked

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

 

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4)

 

4. Other correspondence please explain.

Fake postal delivery card designed to make me reveal personal details

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

 

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

would but they may no like the responses

 

b) No (answer and please go to question 7)

I

7. How would you prefer to communicate with debt collection agencies?

(please explain)

In writing only. telephone contact is prefered by DCAs as they can use their 'training' to manipulate people and bully them. All DCA communication should be in writing only

 

 

 

 

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

 

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes - or I would prefer one hour in a locked room with them

b) No

 

 

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

b) No (answer then please go to question 12)

 

 

11. What did you do to research the debt collection agency?

(please explain)

 

I found CAG and some very good friends, having researched this DCA on the internet

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

b) No (answer then please go to question 14)

 

 

13. Was this website useful to you? (please explain)

 

The web site is rubbish and has now been closed down

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied

 

 

 

 

Thank you for your help

 

 

 

 

[students]

How many responses do you have and how many were you hoping to get?

 

As many as possible to get the statistics, thanks for the help

 

Students xx

Edited March 15, 2011 by students
wrong spelling

[students]

sent mine by PM

 

We have got yours and we thank you for it xx

[MARTIN3030]

Good to see some input.

Lets hope by March 31 there are lots.

[MARTIN3030]

Message to students-forgot to add,if CAG members invade Leeds in the future for a get together,then they will be looking for something made using famous Yorkshire water...........

Most of us have no dosh for visiting the White Rose Centre...so will have to be asking Leeds students for the best watering holes....

[silverfox1961]

UK Debt Collection Industry

 

 

1. What is your gender?

a) Male Yes

b) Female

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59 Yes

d) 60+

3. What correspondence was used to contact you?

a) Letter Yes

b) Telephone Yes

c) Email

d) other (please specify in question 4)

 

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999 Yes

d) £10,000 +

 

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7) NO

 

7. How would you prefer to communicate with debt collection agencies? (please explain)

By post only

 

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes Yes

b) No

 

 

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11) Yes

b) No (answer then please go to question 12)

 

11. What did you do to research the debt collection agency? (please explain)

 

I typed the name of the DCA, up came CAG and the DCA went away

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13) Yes

b) No (answer then please go to question 14)

 

 

13. Was this website useful to you? (please explain)

 

NO

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied Extremely satisfied

 

 

Thank you for your help

 

[students]

Message to students-forgot to add,if CAG members invade Leeds in the future for a get together,then they will be looking for something made using famous Yorkshire water...........

Most of us have no dosh for visiting the White Rose Centre...so will have to be asking Leeds students for the best watering holes....

 

Headingley is a really good area to go drinking and is pretty cheap as it's a student area. very busy at the weekends and has a good night life !!!

[lenny100]

UK Debt Collection Industry

 

 

1. What is your gender?

a) Male

b) Female

a

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

b

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4)

a+b

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

b

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7)

b

7. How would you prefer to communicate with debt collection agencies? (please explain)

recorded post only

 

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

a

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes

b) No

 

b

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

b) No (answer then please go to question 12)

a

11. What did you do to research the debt collection agency? (please explain)

on cag

 

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

b) No (answer then please go to question 14)

a

 

13. Was this website useful to you? (please explain)

 

no it was full of there own importance and nothing else

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied

e

 

Thank you for your help

my form

[chattanooga]

UK Debt Collection Industry

 

 

1. What is your gender?

a) Male

 

2. What is your age group?

b) 26-39

 

3. What correspondence was used to contact you?

a) Letter

b) Telephone

d) other (please specify in question 4)

 

4. Other correspondence please explain.

Vague yellow postcard presuably designed to reveal personal details.

 

5. How much debt is involved in your case?

d) £10,000 +

 

6. Would you communicate with debt collection agencies if they joined your forum?

b) No (answer and please go to question 7)

Absolutely not, they have enough avenues open to them for indimidation and bullying

7. How would you prefer to communicate with debt collection agencies? (please explain)

Writing only, although email is fine as there is a verifyable trail.

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

 

Never dealt with 'customer service'. I would also say that as I have never been a 'customer' the term is misleading.

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

b) No

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

11. What did you do to research the debt collection agency? (please explain)

CAG, moneysavingexpert.com, other legal website, DCA website

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

 

13. Was this website useful to you? (please explain)

 

No, all DCA websites are the same, crap name, crap layout, fake testamonials.

 

14. have you been satisfied with the outcome from the forums?

e) Extremely satisfied

 

...so far, there is unfortunately still a long way to go for me.

 

 

Thank you for your help

 

It should also be pointed out that you will not get anything like a broad spectrum of experiences and opinions here for obvious reasons so any results gained from this site will be at best skewed.

 

Best of luck anyway.

Edited March 17, 2011 by chattanooga
Changed a website to be less specific because of a word filter

[maroondevo52]

UK Debt Collection Industry

 

 

1. What is your gender?

a) Male

b) Female

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4)

 

4. Other correspondence please explain.

 

 

 

 

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

 

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7)

 

Only if it were regarding their practices and procedures

 

7. How would you prefer to communicate with debt collection agencies? (please explain)

 

In writing

 

 

 

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

 

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes

b) No

 

 

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

b) No (answer then please go to question 12)

 

11. What did you do to research the debt collection agency? (please explain)

 

On Internet Forums including CAG

 

 

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

b) No (answer then please go to question 14)

 

 

13. Was this website useful to you? (please explain)

 

No, it was only interested on telling you how to make a payment

 

 

 

 

 

 

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied

 

 

Thank you for your help

 

 

Scott.

[Halibutt]

1. What is your gender?

a) Male

b) Female

 

2. What is your age group?

a) 18-25

b) 26-39

c) 40-59

d) 60+

3. What correspondence was used to contact you?

a) Letter

b) Telephone

c) Email

d) other (please specify in question 4)

 

4. Other correspondence please explain.

 

5. How much debt is involved in your case?

a)

b) £100-£999

c) £1000-£9999

d) £10,000 +

 

6. Would you communicate with debt collection agencies if they joined your forum?

a) Yes (answer and please go to question 8 )

b) No (answer and please go to question 7)

7. How would you prefer to communicate with debt collection agencies? (please explain)

Royal Mail Recorded Delivery ONLY - I wish to keep a relevant physical paper trail and proof of any/all correspondence for possible court purposes

 

8. How do you rate the customer service of the debt collection agency that you were involved with?

a) Extremely poor

b) Very poor

c) Average

d) Very good

e) Extremely good

9. Would you want to talk to debt collection agencies regarding their practices and procedures on the forums?

a) Yes - with "No holds barred".

b) No

 

10. Did you try to find out more information on the particular debt collection agency that you were dealing with?

a) Yes (answer then please go to question 11)

b) No (answer then please go to question 12)

11. What did you do to research the debt collection agency? (please explain)

On CAGCitizens' Advice Bureau and via web search engines

 

 

 

12. Did the debt collection agency have a website?

a) Yes (answer then please go to question 13)

b) No (answer then please go to question 14)

 

13. Was this website useful to you? (please explain)

No. It was self-promoting and misleading in many ways - legally and otherwise.

 

14. have you been satisfied with the outcome from the forums?

a) Extremely unsatisfied

b) Very unsatisfied

c) Average

d) Very satisfied

e) Extremely satisfied