CCS Collect Advice

[Shalm]

I recieved a letter from these guys a few days ago saying that their client Capquest Debt Recovery Ltd has authorised them to recover the full amount due to them.

 

They then go on to say if they do not receive this payment within seven days or an offer to pay that they are able to agree to

they will have no choice but to take legal action through my local court.

 

If Court action is taken and judgement/decree obtained against you to recover the sum due,

we may need to ask the court to make one of the following orders should the debt remain unpaid:

 

Warrant of Execution (Exceptional Attachment Order). Seizure and sale of moveable non- essential assests/property by a county court bailiff or sheriff officer.

Attachment of Earnings (Earnings Arrestment). Deduction from your wages by your employer or arrestment of part of your salary to satisfy your debt.

 

What would be the best way to approach this?

This is the first correspondence I have ever received from these guys and it looks as if they are gunning for me.

[dx100uk]

std threat-o-gram

 

ignore them totally.

 

if.bu.may.might.could

 

never WILL.

 

do you know what debt they are on about

and have you got your CRAfile?

 

dx

[Shalm]

I'm not entirely sure what debt it is, as for CRA file where can I get one of these??

[dx100uk]

see my sig below

 

dx

[Shalm]

Thank you for that link it was very helpful, so it's safe to ignore these guys??

[dx100uk]

well a DCA chasing debt owed to a DCA

with no ref to the 'actual' debt

is typical for this Crowd

 

esp CCS they are bottom feeders.

 

just trying to spoof you

 

make no contact

 

and never ever talk about your debts on the phone

 

all these DCA's have NO LEGAL POWERS

have a read around this forum

 

you'll soon get the idea!

 

dx

[dx100uk]

wrong!!!

 

 

a DCA with no legal powers

 

cannot 'forward' any LEGAL powers to another DCA with NO LEGAL POWERS

 

dream on..

 

dx

siteteam.

[BRIGADIER2JCS]

I wouldn't be quite so dismissive of DCAs if I were you.

 

I have worked in the credit industry for over 30 years and yes there are too many cowboy debt collectors.

 

CCS collect is not one of them.... check out their website.

 

As for legal powers, a DCA is very often given advance permission to sue by their client, in this case Capquest and they may take legal action at their own discretion.

 

I'm not trying to advise you but please make a properly informed decision.

 

As you say you have worked in the DCA business and maybe still do you should contact CAG admin before posting again.

Yourr advice as DX100 points out is wrong!!!!

[zydeco]

I have worked in the credit industry for over 30 years

...

 

...And not learnt anything. Are you the author of all those would, could, might, may letters?

 

Z.

[dx100uk]

obv getting desperate

 

poor soul.

dx

[BRIGADIER2JCS]

So incredibly intelligent that he gave the exact post code of the muppets

he works for:madgrin:

[Guest debtwise]

Crikey you lot are prickly! For the record, my background is that of a lender not a debt collector and I have sold bad debt to many debt purchasers.(sorry) When I sell, most usually I give permission for the buyer to sue. As the legal owner, the debt buyer can and will take legal action when appropriate. Just trying to bring some balance to the ever growing idea that borrowing is fine but paying back is not required.

[BRIGADIER2JCS]

Crikey you lot are prickly! For the record, my background is that of a lender not a debt collector and I have sold bad debt to many debt purchasers.(sorry) When I sell, most usually I give permission for the buyer to sue. As the legal owner, the debt buyer can and will take legal action when appropriate. Just trying to bring some balance to the ever growing idea that borrowing is fine but paying back is not required.

 

CAG does not advocate or support debt avoidance in any way.

The major point is the ridiculous posturing of DCas about their

powers, which apart from the the may, we might, we could advise

our client etc., threats with no other intention than to intimidate.

 

We are fully aware of the underhand tactics involved in the sale

of debt, no information on the status of the debt regarding enforceability,

or viability, one DCA/debt purchaser fails to collect and flogs the debt on

to another lower down the food chain.

[dx100uk]

Crikey you lot are prickly! For the record, my background is that of a lender not a debt collector and I have sold bad debt to many debt purchasers.(sorry) When I sell, most usually I give permission for the buyer to sue. As the legal owner, the debt buyer can and will take legal action when appropriate. Just trying to bring some balance to the ever growing idea that borrowing is fine but paying back is not required.

 

 

keep digging..man..keep digging.

 

dx

[BRIGADIER2JCS]

This is getting interesting,glad I didn't ban him!!!

[dx100uk]

gone home now i bet

 

wonder if he gets paid overtime at ccs

 

or juts gone for a teabreak or on the phone trying to pretend to be a bailiff to some mug debtor

 

dx

 

dx

[BRIGADIER2JCS]

BUT he's a lender who has sold debts to ccs?????????????????

[rebel11]

There is also a onus on the lender to say 'no, you can't borrow'. The banks, credit card companies etc, leant money like confetti, like it was going out of fashion. Peoples circumstances change, so where does that leave people? The banks, credit card companies must take some of the responsibility.

Infact in the recent past they would send you a pre-filled cheque for £25,000 all you need to do is cash it, it's not responsible lending. Theres a lot more to this.

 

Crikey you lot are prickly! For the record, my background is that of a lender not a debt collector and I have sold bad debt to many debt purchasers.(sorry) When I sell, most usually I give permission for the buyer to sue. As the legal owner, the debt buyer can and will take legal action when appropriate. Just trying to bring some balance to the ever growing idea that borrowing is fine but paying back is not required.