3D Small People - Faq

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General  House Calls   Repayments

General FAQs

Who are DCSI?
DCSI or Debt Collection Services Ireland Limited, which is our full title are a Debt Collection agency based within Coleraine, Northern Ireland.

Why have I received a letter from you?
The bank would have sent a letter to you advising that your account was being passed to DCSI for collection

Where did you obtain my details from?
The financial organisation that we work for has forwarded your details to DCSI

What if I cannot afford to pay?
You need to supply a statement of means along with corresponding documentation to support this claim. Feel free to also use our Budget Tool here

What happens if I don’t pay?
We will try to contact you by telephone or letter, a solicitor letter may also be sent or the bank may instruct a house call to be carried out – if these methods are not successful – we will return the account to the bank and they may proceed with legal action

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?
We need to confirm security so that we are not breaching data protection by disclosing information and so that we can confirm that we are speaking to the correct person

Are DCSI breaching Data Protection by contacting me?
DCSI takes its regulatory obligations very seriously and in respect to Data Protection breaches, all regulatory obligations are complied with. Information is only disclosed with the account holder once security has been confirmed and verified.

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?
If you can contact our office and we will liaise with the bank and verify this for you. If confirmed, we will then send you a clearance letter

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?
If you can contact our office and we will liaise with the bank to request a copy of the signed credit agreement and will forward it onto you for your review.

How do I make a complaint?
Please refer to our dedicated Complaints page here

What do I have to do if I want a 3rd Party to act on my behalf?
You must complete a Letter of Authority giving them the authority to deal on your behalf – we will verify your signature and then we will be able to deal with a third party. You can download a Letter of Authority form here

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
If the customer has sadly passed away, DCSI would require a copy of the Death Certificate to validate

Are calls monitored?

Calls may be recorded for training or monitoring purposes in accordance with FCA regulation