First things first, you are probably here reading this because you are being pestered by Debt Collection Agents ( DCA ). Perhaps some of them are even trying their luck with court action against you in the aim of securing a County Court Judgment ( CCJ ). Letters, emails, phone calls, sms – pestering, harassing until you give in.
The Bank did not lend you their savers money, which is what most kids were taught at School. The DCA typically has nothing other than the minimal paperwork that might be enough to get them through a court claim on a typical day against someone not prepared to put in a little learning.
This educational resource is exactly that – an educational resource, we are not Solicitors or Debt Advisors and we are not giving any form of professional advice. By using this website you acknowledge such at all times. The information and material presented here is for education and research only. Phew, that’s the boring important paragraph out of the way.
We present in this resource some of our ‘dealings’ with Agents in order for you to be better informed on how you might tackle your own issues. However, do not expect a magic wand. The trick is knowing the card to pull on that will bring down your DCA’s house of cards. You will need to help yourself, read up and learn the trick pulled by agents. Make sure you also inspect every last detail of any documents you are sent by any agent, quite often there are golden nuggets buried.
Agents typically follow a similar path – we’re here to help, we are friendly, most customers are glad they telephoned us, followed by threats of court action if you don’t setup a payment plan with them.
Remember, you are your hero.