The Registry
of Debt Collectors is intended for holders of United Kingdom credit
accounts who are experiencing difficulties with aggressive or vexatious
debt collectors or debt purchasing companies. It is also a self-help
guide on complaints against debt collectiors
and debt purchasing companies who routinely flout the law.
If you want to
solve your debt problems we do NOT recommend getting a 'debt consolidation'
loan, as this only increases your burden of debt. There are many loan
salesmen out there who will try to persuade you otherwise, but the
only way such a loan would be better for you is if you knew
that your income was going to increase significantly. Only then would
the consolidation of several high-rate repayments into one lower-rate
payment (while retaining all other existing forms of credit such as
credit cards) make sense.
However, you can
take off a large chunk of your total debt and then restructure your
monthly payments by applying for an Individual Voluntary Arrangement
(IVA) which is drawn up by a qualified Insolvency Practitioner. For
most people this is the only sensible way forward. For independent
IVA advice go to the Best
Debt Consolidation IVA website.
Reporting Rogue Traders
If you want to
report a particular debt collector or a specific company that has
been using aggressive methods you can contact Trading Standards (you
can find your local office by clicking here),
the Office
of Fair Trading or Consumer
Direct.
Recent activity
suggests that these public bodies will only take action against particular
companies if enough complaints are raised against them. So, while
an individual complaint will probably not be effective, a large number
of individual complaints will. So keep those individual complaints
coming: they all add up!
Our Contact Details
For enquiries
you should use the online web forms on the various home pages according
to subject or the debt collecting firm involved, or as guided by links
from those pages according to your specific need.
Please note that
we cannot give advice on individual cases as we are
not debt advisers or counsellors. You should apply using our online
forms for specific services. Please do not write to us (other than
on matters of a technical nature such as reporting a broken link or
an error message) because we cannot respond to individual emails with
advice because we are not qualified to give such advice.
However, if you
want to write to us on an otherwise valid matter our postal address
is:
DPC Registry
T/A Inteltab
Suite 210, Coborn House,
3 Coborn Road, London E3 2DA
We used to give
out our telephone number but do not any more because it has been added
to lots of sales lists which we have had to block. The same is true
of our fax number.
Our email address
is admin .. at .. dpcregistry.co.uk
[normal email
format has been disguised to prevent harvesting by spam bots.]
Finally, a Note
For DCAs and Their Solicitors
If you are a solicitor
acting for one of the companies listed here, please be advised that
there is no point in threatening us. We are acting on behalf of the
general public and all content on this website is readily available
in the public domain. We will not be bullied, and any attempt at doing
so will result in your actions being chronicled in these web pages
and in various other media as appropriate. Any vexatious activity
will be reported without hesitation to the Law Society.
We have already
been in discussions with the Solicitors Regulation Authority
about more than one "letterheads for hire" lawyer and will
not hesitate to report others as and when they bring the profession
of the Law into disrepute.
To those wishing
to get at us through our hosting company, be aware that we will simply
post content on another more publicly accessible platform such as
Blogger instead. So then you'll be threatening Google!
The truth will
always out in the end, and the history books will always show scum
to be scum.
I think that's
fair warning, don't you?
We are registered
under the Data Protection Act. Reg. No. Z1620707
Complaints
Handling Scheme