DPA & Same DCA for more than one debt

[Nightmare4banks]

Hi all!

 

I have the same debt collecting company persuing me for two different credit card companies.When I wrote to the company regarding one of the card accounts and the position of the account i.e. sold or not - templete as on this site together with £1 stautory fee.

 

The debt collecting company replied but referring to a different credit agreement - loan account that I have with one of the credit card companies.

The reply is very carefully worded - with reference to my request(not say what) but clearly the loan account reference number and amount demanded rather than the credit card debt that this debt collecting company was pestering me about.

 

I have two questions here:

 

1.If I do a DPA to the debt collecting company will it reveal details of all the accounts it has dealt with in my name from these two creditors or how does it work?

 

2.Also,this particular debt collecting company has pestered me with calls and texts etc despite the fact that I have told the company verbally and written by recorded delivery that the amounts stated are disputed.

 

What is my next best course of action?I was seriously considering a complaint to the OFT or even legal action.

 

As this debt collecting company does not try to resolve the matter but just says to contact the creditor or use bully tactics.Or as mentioned before,bombarding me with text messages and at times have very rude staff which of course I refuse to speak to.Taking into account and most importantly I have told this company that I do not owe them any money,to get the proper paperwork in order if this company desires to persue me and any amount demand is disputed due to mainly PPI.

 

Just an additional interesting comment,the balance on the credit card debt has changed - around £90 less than originally demanded.Cannot understand how this figure was reached but it just proves a point that the amount demanded is inaccurate.I just put in a DPA request to the creditor - WATCH THIS SPACE!

If it makes any difference...

 

a.The debt collecting company is called Credit Solutions Limited - it is based in Surrey.

 

b.The creditors are EGG and MBNA.

 

Any advice/suggestions for the way forward would be highly appreciated.

 

Many thanks in advance.

[lee6370]

It doesn't sound like they own the debt, so don't deal with them.

 

You seem to be doing the right things.

 

Contact MBNA and Egg, tell them that you dispute the amount and that once you have received the information requested under your DPA request you will contact them again, it's important that you let them know what you are doing and intend to do.

 

Then it's just a matter of waiting for them to comply with your DPA request.

[Nightmare4banks]

Hi all!

 

Yes,lee6370 I do not think they own the debt - they are just trying to pester me so much until I have caved in! Fat chance!

 

Also,since my last posting I have complained to the OFT - not that anything will come out of it due to the fact that the OFT cannot take on individual complaints.

 

From my previous experience,Trading Standards are also a TOTAL waste of time.

 

Today,the same DCA attempted to ring me on the mobile.I just switched it off.

 

Wait and see what happens withe the DPA requests.

 

I keep you all posted.

 

Once again,thanks lee6370.

[Seminole]

Assuming that your CCA demand referred correctly to the credit agreement you are being pursued for, then they have not complied with the statutory requirement. They must provide you with a true copy of the signed agreement within 12 calendar days of the request. If they fail to do so they can only enforce the agreement through the courts if they produce the agreement AND they will have to explain why they didn't comply with the law. If they don't send the agreement by 30 days after they receive the demand, then they commit a criminal offence. At this point it is definately worth reporting them to trading standards. This is a serious matter and it will usually be treated as such.

 

Credit Solutions are well known for using the telephone as a weapon and they will bombard you with calls. Asking them to stop doing this either politely or assertively is unlikely to work. The only options are to wait them out and ignore them as they will eventually give up.. Alternatively report them to Trading Standards with reference to the harassment provisions set out in Section 40 of the Administration of Justice Act (1970).

[Nightmare4banks]

Hi all!

 

Thanks for your interesting posting,seminole.

 

The best way forward is to ignore Credit Solutions - like I did yesterday by switching off the mobile.

 

I used to get very irate before but I have improved since coming across this site.Basically,I refuse to speak to anyone about anything unless I am told who is speaking on the other end.If the other person refuses to confirm who they are(I run the ID check on him/her!),I just put the receiver down - I am no longer putty in their hands to shout and hurl abuse at!

 

I find it much better to not to talk to anyone and strictly write to creditors by recorded delivery post - which from experience I know they dislike because they may "slip up" on anything.Also,on my part should the matter go any further the creditor cannot just rely on notes/phone conversation notes etc but has to cross reference with my "to the point" written response(s).

 

Seminole,before I forget I have one question - do I complain to my local Trading Standards regarding the DCA or the Trading Standards in the locality where the DCA is based i.e.address on letters or in the event of a limited company like Credit Solutions - where it is registered?

 

Once again,many thanks for your help.It is highly appreciated.

[Seminole]

Unfortunately you have to make the complaint to your local trading standards. This is the rule but it's a stupid one. If you were able to make complaint to the trading standards nearest the company, they would be able to see a pattern of complaints emerge and this would make them more effective in pursuing rogues.

[Nightmare4banks]

Hi all!

 

Thanks for your swift response,Seminole.It is highly appreciated.

 

I will just have to "wait and see" what happens.

 

I will keep you all posted.

[Candice]

Please do keep us posted, I am getting hassle from Credit Solutions and they are refusing to reply to my letters.

 

Good luck!

[Nightmare4banks]

Hi all!

 

I know it is very annoying,Candice but try to ignore their calls and focus on the written responses.

 

This company is going in circles with me because it is unwilling to provide or does not have the correct paperwork to persue me.

 

However,this does not stop it trying to badger me with calls - which I totally ignore.

 

Soon,it will be my turn with the responses to my DPA requests - sent earlier this week!

 

WATCH THIS SPACE!

 

I will keep you all posted!

[dw190]

Unfortunately you have to make the complaint to your local trading standards. This is the rule but it's a stupid one. If you were able to make complaint to the trading standards nearest the company, they would be able to see a pattern of complaints emerge and this would make them more effective in pursuing rogues.

 

I think the reason you have to use your local Trading Standards is because of the way in which trading Standards is funded.

[Nightmare4banks]

Interesting update!

 

Just received letter from DCA offering me 25% off of the balance owed(this is equal to over £3000!) but still no DCA Documentation received yet in response to my request together with the stautory £1 fee.

 

This offer is in response to my DPA request made directly to the lending company.

 

Any comments or suggestions would be highly appreciated.

 

Many thanks in advance.

 

Also,thanks dw190 for your input.It is highly appreciated.

[Nightmare4banks]

This topic was closed on 2019-03-08.

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