Comments on: Stop Ignoring Debt Collectors and Start Working With Them http://www.allfinancialmatters.net/43/Stop-Ignoring-Debt-Collectors-and-Start-Working-With-Them/ Anything and Everything Money Related Sat, 11 Sep 2010 03:03:12 +0000 http://wordpress.org/?v=2.7 hourly 1 By: Iain http://www.allfinancialmatters.net/43/Stop-Ignoring-Debt-Collectors-and-Start-Working-With-Them/comment-page-1/#comment-2643 Iain Thu, 08 Apr 2010 14:17:26 +0000 http://www.allfinancialmatters.net/?p=43#comment-2643 Debt Collectors are vile parasites. I have been told by a solicitor that one should only ever attempt to negotiate with the original creditor. Play hardball with DCAs and they will eventually pass the account back to the OC anyway. And of course always get full details of the account under data protection SAR and do a CCA request to check that the account is actually legally enforceable (since may loans and credit cards taken out prior to 2007 are not) meaning that if the creditor takes it to court and you defend the claim, the court will be unable to enforce the debt, the claim will be struck out therefore no CCJ. If yours isn't legally enforceable that will put you in a MUCH stronger bargaining position. Debt Collectors are vile parasites. I have been told by a solicitor that one should only ever attempt to negotiate with the original creditor. Play hardball with DCAs and they will eventually pass the account back to the OC anyway.

And of course always get full details of the account under data protection SAR and do a CCA request to check that the account is actually legally enforceable (since may loans and credit cards taken out prior to 2007 are not) meaning that if the creditor takes it to court and you defend the claim, the court will be unable to enforce the debt, the claim will be struck out therefore no CCJ. If yours isn’t legally enforceable that will put you in a MUCH stronger bargaining position.

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