Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Please post here if you have sent off an official telephone harassment letter template, it has been respected and you are no longer being telephoned. Please state what organisation you sent the letter off to. Thanks.
If the opposite is true and they are still ringing please post on this thread:
If you are being harassed, but haven't yet sent off a letter, then please do. More responses are definitely needed. I want to let this thread fester for a couple of months and then see what's what. I have a couple of good ideas on what to do next.
The telephone harassment letter can be found here:
Yes, I have. Lowell have not telephoned me since receiving mine in October. I have a thread somewhere about it. They aren't backing off in any other way and have the threatomatic aimed permanently at my address, but they've not phoned... yet. Is ths tempting fate?
AIC stopped calling when I told them to & sent the letter. They are totally useless in all other respects.
Intrum Justicia said that they would keep on calling. I called a manager and gave a different (virtual) number that doesn't ring, just logs. Nice people
AIC stopped calling when I told them to & sent the letter. They are totally useless in all other respects.
Intrum Justicia said that they would keep on calling. I called a manager and gave a different (virtual) number that doesn't ring, just logs. Nice people
Grumpy
Can you formally post the negative one on my other thread mate. Thanks.
What sort of world do you want your kids to grow up in?
Totally dif from the above poster, i did manage to get Intrum to stop calling this is the e'mail i recieved from them.
have removed your telephone number from our records and you should not receive any further telephone calls from our company.
Can you please advise me with regards to any dispute you may have or your proposals of payment
Regards
Tracey Smith
Business Support Manager
To be fair this woman was very helpful (even against my better judgment i called and spoke to her, she was really appologetic and assured me she would sort my case out, less than a week later i had a letter confirming that the account bal was nil and that they should never have been handed the case.
Can you formally post the negative one on my other thread mate. Thanks.
With Intrum Justicia, I just phoned, I didn't send a letter. It was about my son so I gave them a different number, not his, so that they could leave a message. The supervisor did offer to take the number off but I thought it was best to get the messages so we could tell him when he hadn't paid! Unfortunately they did ring the number but never left any messages so my son never paid ....
Lowells took me off their telephone list when I contacted them in writing despite refusing to do so in the times I used to actually speak to them. In saying that the threatomatic has been working overtime since.
CapQuest stopped calling me after I sent the letter template. They started a complaints procedure when I wrote to them and concluded that they would remove my number from my records 'as a gesture of goodwill'.
It worked anyway, they don't ring anymore
Mr & Mrs Ananya's story so far -
Welcome Finance - account closed - no CCA - 02/07 - £1500
NatWest - settled in full 09/06 - £600
NatWest - settled in full 06/07 - £72
Verso - Settled in full 07/08 - £2002
C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800 D.C.A.s who've given up so far -10
Capital One have also stopped all calls to hubby after we sent them the harassment letter
Mr & Mrs Ananya's story so far -
Welcome Finance - account closed - no CCA - 02/07 - £1500
NatWest - settled in full 09/06 - £600
NatWest - settled in full 06/07 - £72
Verso - Settled in full 07/08 - £2002
C.K. Edrupt/Provident - account closed - no CCA - 04/07 - £640
Littlewoods/Shop Direct - 2 accounts closed - Statute Barred - 04/10 - £800 D.C.A.s who've given up so far -10
Clydesdale Finance even wrote and confirmed they had deleted my phone number. Only chasing me for unlawful charges anyway but I was impressed by their response.
They passed the account over to Clowns (Llowels), who after me tormenting (sorry ringing them), during the security questions, asked for our phone number, i stupidly started to tell them, got as far as the last 4 digits, and said, sorry im not prepared to give you the phone number.
Got a reply, of, well we already have it on the system...
Waiting for them to contact us by phone though.. so wait and see...
I have sent 2 harrassment letters off to HSBC, we are deadlocked, they want me to pay back loan + overdraft, I will not pay anything back unless they refund my charges £1,500+ !!! They are still calling me up to 6 times per day too....
This is my record which shows what a shoddy outfit they are !!! previous to this list here they were calling me up to 10 times a day (these are just the calls below I know about)....I am currently filing a complaint to the fos...
This is right up against the OFT and Trading Standards guidelines (let alone being a CRIMINAL offence) !!! which clearly state that once a debt is in dispute they aren't allowed to continue to press me !!
0800 783 8422 9:48am 10/12/07
6:24pm on 10th December 2007
6:42pm on 10th December 2007
5:17pm on 11th December 2007
1:10pm on 11th December 2007
11:41am on 12th December 2007
3:33pm on 12th December 2007
13:26pm on 14th December 2007
17:44pm on 14th December 2007
10:32am on 15th December 2007
14:59pm on 15th December 2007
13:18pm on 19th December 2007
15:33pm on 19th December 2007
15:49pm on 19th December 2007
20:30pm on 19th December 2007
10:18am on 20th December 2007
10:34am on 20th December 2007
18:55pm on 20th December 2007
10:35am on 21st December 2007
15:24pm on 21st December 2007
1:40pm on 22nd December 2007
12:10pm on 23rd December 2007
13:15pm on 24th December 2007
1:27pm on 27th December 2007 – Silent Call received to 14:01pm on 27th December 2007
15:14pm on 29th December 2007
20:08pm on 29th December 2007
14:22pm on 2nd January 2008
15:41pm on 2nd January 2008
17:17pm on 2nd January 2008 – Silent Call received to 18:08pm on 2nd January 2008
08456017206 – 11:19 - 7th January 2008
Unknown but claimed from HSBC Bank – 7th January 2008 at 13:03
10:14am on 21st January 2008
13:15pm on 21st January 2008
14:45pm on 21st January 2008 – claimed to be from HSBC Bank
12:39pm on 22nd January 2008
15:45pm on 22nd January 2008
14:18pm on 23rd January 2008
18:33pm on 23rd January 2008
20:23pm on 23rd January 2008
11:47am on 24th January 2008
14:58pm on 24th January 2008
15:45pm on 24th January 2008 – silent call
19:38pm on 24th January 2008
2nd HARRASSMENT LETTER SENT
11:14am on 25th January 2008
11:15am on 25th January 2008
09:48am on 28th January 2008
09:49am on 28th January 2008
17:25pm on 28th January 2008
13:00pm on 29th January 2008
13:01pm on 29th January 2008
20:37pm on 29th January 2008
08:43am on 30th January 2008
11:59am on 30th January 2008
13:37pm on 31st January 2008
13:38pm on 31st January 2008
11:00am on 8th February 2008
12:01pm on 8th February 2008
13:02pm on 8th Febraury 2008
14:03pm on 8th February 2008
15:05pm on 8th February 2008
8:05am on 9th February 2008
9:45am on 10th February 2008
4:55pm on 10th February 2008
14:54pm on 11th February 2008
8:00pm on 11th February 2008
8:00am on 12th February 2008
16:16pm on 12th February 2008
8:00am on 13th February 2008
17:14pm on 13th February 2008
8:00am on 14th February 2008
18:55pm on 14th February 2008
19:41pm on 19th February 2008
1:45pm on 19th February 2008
11:25am on 20th February 2008
11:26am on 20th February 2008
14:59pm on 20th February 2008
15:00pm on 20th February 2008
17:00pm on 20th February 2008
20:57pm on 20th February 2008
13:13pm on 21st February 2008
15:08pm on 21st February 2008
15:25pm on 21st February 2008
18:25pm on 21st February 2008
13:09pm on 22nd February 2008
13:53pm on 22nd February 2008 – Silent call
15:38pm on 22nd February 2008 – Silent call
15:40pm on 22nd February 2008 – Silent call
16:24pm on 22nd February 2008 – Silent call
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
In my last letter they said 'despite the OFT you are obliged to continue making payments', they are also saying that they won't refund the charges which were 'applied in accordance with the new terms and conditions which have been applied to various accounts on the 1st December 2006 (UTTER BOWLARKS - they did pay me back some in 2007 !!!!!)
And get this CAGGERS !!! - 'OFCOM regulations state that we can contact our customers at any time between the hours of 8:00am and 9:00pm - Monday to Saturday and 8:00am until 5:00pm on Sundays and Bank holidays - I sincerely apologise if any inconvenience has been caused to you as a result of the time of these calls however, they are being made in accordance with procedure (yes their own procedures or whichever governing body they feel fits their own shoddy requirements !!!) so it seems they don't care about the OFT or Trading Standards only OFCOM !!!
It gets better...'Due to the inconvenience caused I have removed your telephone numbers from the contact details that we have on our system. This action will prevent telephone calls from being made in the future. Please be advised that we will contact you via post if necessary' This letter is dated almost a month ago !!!! since this letter they have contacted me at least 50 times !!!!
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Telephone Harassment Letters Respected.
Reply With Quote
Originally Posted by 2Grumpy
