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Who are DCSI?
Why have I received a letter from you?
Where did you obtain my details from?
What if I cannot afford to pay?
What happens if I don’t pay?
Will interest be added to my debt?
Fees and interest are frozen whilst the account is with DCSI but they are accruing in the background as the bank cannot switch these off – if you pay the debt in full you will only have to pay the amount that was originally forwarded to us but if the agreement breaks down – the account will be returned to the bank and they will add on the accrued fees and interest and may either send it to another collection agent or work the account themselves with the higher balance
What jurisdiction does DCSI hold when collecting my debt?
The Bank is fully entitled to send cases to a Debt Collection Agency of the Banks choosing and that agent may act on the Banks behalf. The Bank takes its regulatory obligation very seriously and has specific contractual arrangements in place internally and with its external debt collection agents to cover obligations in response to the Data Protection Act 1988/2003 and the Non-Fatal Offences Against the Person Act 1997
Why do I need to confirm security if you called me?
Are DCSI breaching Data Protection by contacting me?
Is my creditor breaching Data Protection by asking DCSI to collect my debt?
The Bank’s use of a Debt Collection Service does not require the consent of a data subject/individual account holder and is not in conflict with Data Protection Legislation. In addition, the Data Protection Act does not preclude the Bank from passing data concerning a data subject to its agents for the purpose of issuing instructions for Debt Collection. The Debt Collection service acts at all times as an agent of the Bank with the Bank retaining control of the data. The Bank takes its regulatory obligations very seriously and in respect to Data Protection breaches, all regulatory obligations are complied with.
My debt is being managed by another DCA?
Can you contact our office and provide evidence payments have been made as the agreement may have lapsed, which might be the reason it has been passed over to DCSI.
I have cleared off all my debt with my bank?
Do DCSI own my debt?
DCSI is not a Debt Purchaser and works as an agent on behalf of our clients.
Do I have to deal with you from now on?
Normally Yes but if you wish to deal directly with the bank we will close the account and refer it back to them
I have never had an account with creditor mentioned in your letter?
How do I make a complaint?
What do I have to do if I want a 3rd Party to act on my behalf?
How does this affect my credit rating if paid in full?
When you default on payments – the bank will register it with the Irish Credit Bureau and other relevant companies such as Experian before we deal with the account – if the account is cleared in full – the Irish Credit Bureau will be notified of the status and it will remain on file for 5 years after the credit agreement has been closed or 6 years within the UK.
How does this affect my credit rating if an acceptable settlement is reached?
When you default on payments – the bank will register it with the Irish Credit Bureau and other relevant companies such as Experian before we deal with the account – if the account has been settled with an acceptable offer – the Irish Credit Bureau will be notified of the status and it will remain on file for 5 years after the credit agreement has been closed or 6 years within the UK.
What if I had PPI on my account?
PPI claims must be dealt with directly with the insurance company with which the arrangement was made. You can request a Subject Access Request (SAR) from the insurance company for a small minimal fee to determine if PPI was indeed paid.
Customer is Deceased
Are calls monitored?