a bit worried

[sickofdebtcollectors]

hi i know im new here but ive had the run around with loads of dcas since 2003 none of them ever do what they say they may or might do are they allowed to send people letters out that some may think are threaterning them ?

[Conniff]

I've moved your post so you have a thread of your own.

 

In general no, it is called harrassement. What have they sent you ?

[sickofdebtcollectors]

ok cheers mate i thought so i do wish that some people would stop watching a channel out there that gives them very little help in the long run saying stuff i dont think it help them they are getting diffrent laws mixed up with there alleged debts

[sickofdebtcollectors]

hi

 

i got a letter about a week ago off BCW group for hoist

then just a couple of days ago i got a telephone call off them on my landline asking for me

 

i dont know how they got my number from as i have been ex directory since 2004 only my friends and family have the number and would not give it to anyone,

 

even my mobile phone provider does not have it and my car insurance provider does not have it either does anyone have any ideas how on earth they obtained it ?

[Ell-enn]

Have you had anything delivered i.e. furniture, electrical items etc where you have had to give a contact number for the delivery driver ?

[sickofdebtcollectors]

just from a supermarket which i wont name just in case cag might get in trouble if i post it up they deliver my heavy shopping and other items but they have had the number for years and say no information is given out to third partys

[Bazooka Boo]

Ex Directory simply means your number isn't published in the phone directory.

 

If you ring someone then they get your number as you need to block your CLI number at source.

I wouldn't worry too much about how they got your number, just don't engage with them over the phone, if they continue ringing then use your network providers malicious calls procedure.

[dx100uk]

cra file ibet

 

whats the debt all about?

 

is it on your cra file?

 

see below

 

dx

[sickofdebtcollectors]

it was on the cra file years ago but i had the number changed i got sick of calls from 7am untill 9pm

 

i had a loan from a company but i fell ill due to p.t.s.d.

not trying to make excuses up but when you come back after doing your duty serving your country

you just want to chill out after the crxp you have been under

paying bills is the least of your worrys

 

but after i came on leave my wife and i got news that our son had been killed by a drunken driver

i informed the loan company that we where under so much heart ache but they sold the debt on to robbinsonway

who then started all there threats

 

i told them bring it on send how you like im ready for it sorry for going on

 

but i hate these people who threaten people on the telephone they havent got the guts to say things to your face just on the phone or in letters or am i wrong

[dx100uk]

it'll still be there somewhere now, just because you cant see it.

 

back to the debt.

 

is this on your cra file still?

 

who was the org credit

 

please tell us dates etc too.

 

dx

[Bazooka Boo]

but i hate these people who threaten people on the telephone they havent got the guts to say things to your face just on the phone or in letters or am i wrong

 

This is why they do it, because they know that the majority of people don't record their phone calls, plus they know that most people are easily threatened and intimidated by their puerile missives with big words they have plucked out of a dictionary.

 

What they fail to realise is that, telephone numbers can be changed, or simply hung up on after telling them where to go. Their silly little letters can all be ignored as the words they like to use are meaningless, nothing more than sentences that they think will intimidate you because it intimidates them.

[sickofdebtcollectors]

thanks bazookaboo sorry i have not replyed untill now ive been very busy i agree with you

dx100uk its not on my cra

it was with co-op

then robbersway

now hoist

i defaulted in 2003 but the cra file said 2004 dont know why that is

[dx100uk]

what is the defaulted date on the summary of the debt?

 

dx

[sickofdebtcollectors]

it says it was june 2004

[citizenB]

If it was defaulted in 2004 and you have made no payment nor admitted liability then the account is statute barred. You could if you wish send the statute barred letter from the CAG library, top left hand side of the screen - highlighted in green.

 

Once they receive that then they should leave you alone. If they don't, then you can report them to both the OFT and Financial Ombudsman.

[sickofdebtcollectors]

ok thanks for that citizenB

[sickofdebtcollectors]

Had the post 2 letters arrived 1 saying account now with hoist all payments correspondence or queries to be sent to BCW who are managing account.

The other letter saying statment of account date of transaction october 2008 details of transaction opening balance are they trying it on by saying its still got a bit to go before its stat barred trying to confuse me has any one else had a letter like this or am i jumping to conclushions ?

[citizenB]

It would appear they are claiming there was a transaction in October 2008. But you have said there has been no transactions since 2004 ?

 

Can you confirm please?

 

Have they said how much the transaction was ?

 

If you are sure that no payment has been made or acknowledgment of liability since 2004, then you will need to write to them to offer up proof of this "transaction".

[sickofdebtcollectors]

Thanks for the reply it does not give any amount balance is the same in all letters they have sent before ive checked

[dx100uk]

scan up the statements

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[citizenB]

Who was the original creditor and was this for a credit card / loan / current account overdraft ?

[sickofdebtcollectors]

it was a loan with the coop i will try and get docs up asap printer is playing up at the moment sorry

[sickofdebtcollectors]

hi sorry i cant put up the letters as i said i would printer is broken i will have to save up and get a new one.

 

ive had another letter off our friends LOL

 

from BCW group titled settlement offer

 

they are saying they will take a lot less money as a full and final settelment of the outstanding balance

 

they say i should act know to take this rare opportunity

 

do they know its S.B.

 

and are trying to make me pay something ?

 

anyone got

 

any ideas ?

[dx100uk]

ignore them.

 

its a discount letter = no debt exists.

 

dx

[sickofdebtcollectors]

hi

can anyone understand this

 

just been looking at letters more carefully letter from robbersway dated june 2013

 

ive been sold to hoist in november 2012

 

then letter from hoist opening balance 2008

 

and letter from BCWW formal demand

 

next month settlement offer BIG discount

 

ive been getting letters from them since 2004

do they ever go to court because i would love it

 

where i live some judges hate finance companys and debt buyers