NCO Europe

Jayney69 · 5th March 2007, 15:59

I have suddenly had dealings with these people over the last 10 days or so out of the blue.

Apparently they are acting on behalf of Creation Financial wich ran Alldres storecards. I was on a payment plan to pay Allders £10 per month until they went into administration. At that point I asked Creation who to continue paying and I was told that they would contact me shortly. That was around 2 years ago.

On 23 feb I received a letter from NCO Europe collecting the debt from Creation. I told them that the CAB were dealing with all my debtors at the moment (I have payment plans that I am meeting with the rest of them), and that I would get CAB to contact them. They told me that they would then "take further action". I sent them a copy of my income/expenditure, etc, and copied all to CAB to be on the safe side.

On 26 Feb, 27 Feb and 28 Feb they phoned. I said that it was illegal to hassle me continually(?), he said "not if they wanted their money", so I paid them £5 (instead of the £1 advised by CAB).

Today I received a card from them saying a P Edwards would call tomorrow between 9am-9pm. I have tried to phone them but all their lines are cutting out after 5 or so rings. CAB have faxed them today, and I have left a message on their voice mail.

PS they also passed me to their "sister" company who tried to offer me a secured loan for the debt instead (£1400). I told them that I would not take this offer.

Any ideas would be gratefully received.

ODC · 5th March 2007, 16:17

NCO regularly send these postcards out. This man must be busy because he promises people the length and breadth of the country he will be calling. DO NOT RING THEM. In the highly unlikely event that he does call tell him to get off your prmises and if he refuse call the police.

surprise · 5th March 2007, 19:10

I have currently CCA them as I have had the same problem. The address they had for me I had not lived there for 15 years also I have never heard of Creation. They were phoning me each day until I sent CCA. I wouldn't pay them anything until the CAB have sorted it for you. They sent me a card aswell.

Laiste · 5th March 2007, 22:32

Send a CCA request to NCO and neither pay them or take their calls until they produce the credit agreement. You wouldn't just give anyone your money would you? Don't assume they have a legal right to collect any monies, the only thing that proves that they do is the credit agreement. In the absence of it, the debt is completely unenforceable.

Answering the phone is unavoidable. When they ring simply advise them that you do not discuss financial matters over the phone and do not go through their security Q's to verify your identity. Tell them this is for reasons of data protection, as you have no way of proving who they are. They will probably make the point that you were prepared to discuss the a/c previously, tell them you are not explaining yourself to them. Beyond what I've said, do not get drawn into a conversation with them. Once you have said what you need to (remembering to get the person's name at the very start of the call, they get very shy about their identity, if things get heated) hang up, it's your phone and your right to do so!

Keep a detailed record of times and dates of calls, whether answered or not. Keep all letters from them also. The idea is you build a case against them for harassment. Don't tell them this on the phone! Let them keep digging themselves a very big hole....!

The law is on your side here, read around about DCA's and arm yourself with as much info as possible. Personally I like to taunt DCA's, but you need to have a thick skin if you're going to have an argument with them...it's not for everyone, but I enjoy it!

I hope this helps!

Regards,

Laiste.

ODC · 7th March 2007, 11:25

Quote:

Originally Posted by Jayney69

Today I received a card from them saying a P Edwards would call tomorrow between 9am-9pm. I have tried to phone them but all their lines are cutting out after 5 or so rings. CAB have faxed them today, and I have left a message on their voice mail.

.

Bet Mr/Mrs P Edwards didnt call. Did they. The number of times I have made tea for his visits is incredible. I have even had my tape recorder running along with my video camera. He is a very naughty man making thousands of arrangements and not keeping them

M.Willows · 7th March 2007, 18:48

Hi
Creation should have also let you know who is collecting the debt as this also makes who you should pay unclear,I would inform the dca that you have not been notified by Creation and also contact creation in writing about them passing the debt on without being notified.Have similar problem with this myself ,would keep track of any defaults the dca might do as well.

Jeff2000 · 7th March 2007, 19:15

Quote:

Originally Posted by ODC

Bet Mr/Mrs P Edwards didnt call. Did they. The number of times I have made tea for his visits is incredible. I have even had my tape recorder running along with my video camera. He is a very naughty man making thousands of arrangements and not keeping them

Hi,

Maybe you can start a claim for costs of tea and biscuits!!!

:lol :

Jeff.

surprise · 7th March 2007, 22:05

I have written twice to Creation and they have not responded. I am just waiting to hear re cca.

M.Willows · 8th March 2007, 11:59

Hi Surprise
Keep going there is alot of useful information on this site to read

Jayney69 · 9th March 2007, 15:52

Guess what? Mr/Mrs P Edwrds didn't call (strangely enough), and I was quite looking forward to it!

Going to write to Creation and ask for cca.

ODC · 9th March 2007, 19:16

Quote:

Originally Posted by Jayney69

Guess what? Mr/Mrs P Edwrds didn't call (strangely enough), and I was quite looking forward to it!

.

Looking forward to the tea and buns with him/her or telling him/her if they wouldnt mind awfully leaving your property (or words to that effect):o

BonBonB26 · 25th July 2007, 10:44

Hi Everyone.
I'm new here. I've been reading all your posts and some of the information and advice is top notch so a BIG HELLO to everyone and keep posting.

BonBonB26 · 25th July 2007, 10:55

Hi
I am having dealings with these people too. I've just received a card saying that this person is going to call on Tuesday. Has anyone actually ever had a person call from this company? I've been paying them regularly £40 per month of off a £500.00 debt which I originally had with HSBC. I missed one month due to having other bills to pay and being of work sick and now this person is supposed to be coming to see me on Tuesday. I'm unsure what to do. Any advice welcome. thanks.

ODC · 25th July 2007, 11:04

You and thousands of others got this card this week. Dont be buying the tea and sticky buns just yet.

Its another cheap ploy designed to get you to phone one of their bullying monkeys in the call centre. IGNORE IT. Keep the card for your complaint against them

BonBonB26 · 27th July 2007, 23:22

Hi
Thanks for your advice, I'l just wait and see if he calls and I'l keep the card too as you suggested. Thanks again.

ODC · 28th July 2007, 00:10

Quote:

Originally Posted by BonBonB26

Hi
Thanks for your advice, I'l just wait and see if he calls and I'l keep the card too as you suggested. Thanks again.

Bet he dosent call

Jeff2000 · 28th July 2007, 20:33

Quote:

Originally Posted by ODC

Bet he dosent call

Hi BonBon,

They hardly ever do call!

Even if they did, you can just ask them to leave, they have no right on your premises. Should they refuse, then you may call the police and tell them you have trespassers, and a breach of the peace may occur!

Jeff.

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