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UK on the verge of Bankruptcy

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Free debt consolidation and debt management Help. Get Answers Here…

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Again, as pointed out in previous messages, one of the greatest weapons you can have, is a Consumer Credit Act 1974 request. Such a request stops a dishonest collection agency in its tracks, and before they can resume having any dealings with you, they HAVE to fulfil that request (if they can!).

However, this is not always the case some agencies may try to continue their illegal pursuit even after they receive your request. Included are examples of such replies you may receive after the company gets your request and cashes your £1 statutory payment included with the request.

Obviously, the kind of reply uming you get one at all will vary from agency to agency, but I have included some of the wider examples here. If the agency youre forced to deal with is named here, then this clip is intended for you to pre-empt their next move.

Apologies in advance for the low voice, but I had a bit of a cold when I did this one.

Finally, remember they’ve got an old ‘carrot-on-a-stick’ trick.

Don’t be tempted to fall for the ’short settlement’ offer that suddenly arises just as they’ve received your CCA request (what a coincidence!).

If you get such an offer, do NOT take it - they’re literally trying to get what they can from you. When it happens, smile and feel good about yourself, because it’s a very good sign that they can’t fulfil your request, and thus, can’t inconvenience your life any further…

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DCM Money Solutions lead the way in solving credit card debt problems. Independent company. Free initial home consultation. See our website for loads of useful debt help resources

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You may be drowning in debt or feeling like you need to consolidate your debt. You can find free info to help you at http://debt.my-simple.info. All information is 100% free.

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***UPDATE! Sorry if I confused anybody, but the order I would generally go in is to issue the Credit agreement request FIRST, then go down the formal complaint route. Some may prefer to enclose the agreement and complaints-procedure requests in the same letter - everybody's different. I should have made this a lot clearer than I did, and apologise for not spotting it sooner. However, I need to re-embellish the point of making NO admission of debt at ANY point to these people - it may come …

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