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 assuming 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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