Dmc ********* debt collectors claiming on Perscription debt.

Dmc should really be ashamed of themselves for such ********* practices. Buying debt that is written off and then try ing to cash in on it by harrising the consumers.In 2011 i ran into financial difficulty with Finchoice.I had a few phone calls from them between 2011 - 2012 and never heard of them again.In April 2016 i had a call from Dmc claiming i owe an amount of R9500 and they are collecting on behalf of Finchoice.At the time i was not aware of the fact that i could raise the defence of Prescription. I did some researh and according to the National credit Act that came into force on 23 March 2015 it states that no person may continue to collect or reactivate a debt under the credit agreement to wich the NCA applies which includes Persciption debt.Even though the customer agreed to revive the debt without being aware of the Prescription defence.So Dmc takes advantage of people's lack of knowlegde.But i would like to advise anyone who lacks knowledge about the Prescription law to Google it .Section 126B(1)(b) of the NCA prohibits dealing in a debt under a credit agreement extinguished by Perscription and allows the consumer to raise a defence of Perscription.

I kindly request that Dmc removes this account from their books and clear my credit profile ( ********** 2). It is ******* to load or trace alert on someone's credit profile if the contact details on the credit profile is current and correct Or if debt is Prescibed.Dmc load the account on your credit profile as a new account which is *******.

I think as consumers we need to stand together and take this matters further with the higher authorities ( NCA or Obudsman /Council for debt Collectors so they can put a stop to this ********* practices.