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.
I have requested my CCA from Egg which they have in writing acknowledged they cannot find on their systems. I have written to them telling them telling them the account is in dispute and again they have acknowledged this letter saying they will get back to me in eight weeks, if not sooner.
However I am being bombarded with calls. When I do answer the calls all the operators acknowledge my account is noted with a CCA dispute but still they call.
I sent Egg a letter on 12th May repeating why my account was in dispute and stating that they were commiting an offence under section 127 of the Communications Act 2003 and requested they halt all credit collection activity whilst their investigations are underway. This was sent recorded delivery and royal mail confirms this was delivered on 14th May, although I haven't had a response from Egg yet.
But still since 14th May I have had seven calls.
Who do I complain to about this? The OFT or the Financial Ombudsman? Or someone else?
You can complain to both and to trading standards, but the reality is they won't stop. They use automated calling to dial you; if you answer its passed to a human being, if you don't answer, it just goes through a cycle of other calls until your number comes up again. Make your complaints, but have another strategy for dealing with nuisance calls. Try a challenge answerphone like 'truecall'. It's a godsend if you're dealing with more than one bank, although you still have to contend with mobile calls. Sorry if that's unwelcome news, but its better to be forewarned.
True-call is a very good buy, you can also bar calls from numbers you don't want to receive by asking BT, if you have a BT line that is.
Lex
Please help us to help you. Download the CAG tool bar for free HERE and use the search option for all your searches. CAG earns a few pennies every time !!!
Advice & opinions given by me are personal, are not endorsed by the Consumer Action Group or the Bank Action Group. Should you be in any doubt, you are advised to seek the opinion of a qualified professional.
Thanks, they just called me again but I have to say I spoke to a really nice lady, sounded older and more experienced.
She had me on hold for 25 minutes whilst she investigated why I was still in the calling system. She went through to the customer queries section who acknowledged everything I said and told her my CCA query was now with legal who are confident they will be able to locate the paper copy but until then she has put a 'block' on my account which will stop the calls.
my Egg account has been indispute since jan - chances are they will pass to on to a DCA and they are fairly easy to deal with. I have had DLC, ARC and now Moorcroft. If you refuse to go through security they will have to write to you. They dont like it but they will eventually get the message.