Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder KGAR14 Novitiate

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    Default FPC- Debt Collection

    Hi

    I need some help and advice please - I am having continuous calls every day and sometimes on a Saturday night from these numpties who call themselves FPC.

    They have said that they are working on behalf of their client vodafoneicon.

    I want them to stop calling me and harassing me as my husband works split shifts so he doesn't appreciate our house phone ringing at 10am in the morning when he only went to bed at 3am.

    I had a vodafoneicon contract with them took it out over 2 years ago but was under the impresison that it had been paid off.

    Can anyone help!!


  2. #2
    Basic Account Holder Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman's Avatar

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    Default Re: FPC- Debt Collection

    Hi KGAR,
    First of all never talk to FPC on the telephone, refuse to answer any security questions and tell them in writing only.
    Send FPC the prove it letter below, FPC have to prove that the debt exists, send via recorded delivery, print your name only and do not sign...

    Dear Sir/Madam

    You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

    I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

    I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collectionicon, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

    I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

    Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

    I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

    I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions.

    I/we look forward to your reply.

    Yours faithfully
    ----------------------------------------------------------------

    Also, to stop the phone callsicon send FPC this, send with the prove it letter and once again, print your name, dont signicon....

    Dear Sirs

    I am writing in relation to the quantity and frequency of telephone calls that I have received from your company, which I deem to be personally harassing.

    I have verbally requested that these stop, but I am still receiving calls. (Delete if necessary)

    I now require all further correspondence from your company to be made in writing only.

    I am of the view that your continued harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

    If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

    Be advised that any further telephone callsicon from your company will be recorded. (**Even if you don‘t yet have recording equipment!!**)


    Yours faithfully,
    ------------------------------------------------------

    Best Wishes

    Stigman

    <<------------------ I'm not Ben Collins, but I could be the new Stig

    NEVER telephone a DCA

    If a DCA rings you, refuse to go through the security questions, just say "In writing only" and hang up

    If I have helped you, click on the star
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  3. #3
    Cartaphilus
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    Default Re: FPC- Debt Collection

    They have said that they are working on behalf of their client vodafoneicon.
    Another one for Lee, vodafoneicon?


  4. #4
    Basic Account Holder KGAR14 Novitiate

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    Default Re: FPC- Debt Collection

    How is it that they know my new address when I have moved 6 months ago!!


  5. #5
    Basic Account Holder Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman's Avatar

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    Default Re: FPC- Debt Collection

    Variety of information, through credit reference agencies, royal mail re-direction or the underhanded and illegal practice of ringing your ex-neighbours.
    Not forgetting if you have filled in forms online etc.

    <<------------------ I'm not Ben Collins, but I could be the new Stig

    NEVER telephone a DCA

    If a DCA rings you, refuse to go through the security questions, just say "In writing only" and hang up

    If I have helped you, click on the star
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  6. #6
    Basic Account Holder KGAR14 Novitiate

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    Default Re: FPC- Debt Collection

    I have sent them a letter today which has been drafted up by a close friend who is well known on this forum. Please see letter below and let me know you're thoughts on next steps....

    You have written to me regarding the above account reference. I have to inform you that you are also
    contacting my home telephone number at inconvenient times as my husband works shifts. Therefore
    any calls between the hours of 10am and 8pm are completely unacceptable and I would like you to
    refrain from contacting me during those hours. In fact, considering that I have no idea what you’re are
    calling me about I suggest all communication is put into writing from now on so that I may forward
    the details onto my financial advisor for assessment.
    After checking through my records I have no paperwork or any other reference to the account you are
    chasing. I believe you are contacting me in error and any further correspondence from you in relation
    to this account/debt will be referred to Trading Standards unless you have evidence to the contrary.
    I trust this outlines the situation.



  7. #7
    Corporate Poster Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep's Avatar

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    Default Re: FPC- Debt Collection

    Hi KGAR14,

    I'm sorry to hear about the problems you've posted about here.

    As we've referred the account to a DCAicon it would appear that all did not go to plan when your left us. Not to worry though as I'm sure I can get to the bottom of things for you.

    To enable me to access the account in question could you email the details across to me by following the information in our pinned thread here http://www.consumeractiongroup.co.uk...With-Problems?

    Once you've sent it you'll receive an automated reply with a reference number. So I can make sure it reaches us could you update the thread with this for me?

    Kind regards,

    Lee

    Web Relations Team

    vodafoneicon UK



  8. #8
    Basic Account Holder mr showtime Novitiate

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    Default Re: FPC- Debt Collection

    Hi. I have recently been contacted by FPC stating i owe vodafoneicon money for a contract i wasnt aware i had. My contract ran out end of 2010 and i called to state i didnt want the contract to roll on. however, after being told over the phone by a vodafoneicon adviser that it was sorted out, I left it at that unaware that i was being given false information and i was still being charged for something i wasnt using. After speaking to FPC about this they put the account on hold for supposidly 15 days from the date of a letter i recieved to sort out the dispute, but after recently being on the phone to them again i was told that the 15 days started almost 2 weeks before this date which is once again another misleading message. I was also informed that i still owe money because i apparently didnt cancel an already finished contract in the appropriate way and i personally am getting fed up with being given misleading information. The person i spoke to at FPC was rude and wasnt interested in what i had to say, just telling me i was at fault and i owe money. The way i see it is vodafone are giving out misleading information and are trying to rip people off!!!!!


  9. #9
    Corporate Poster Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep's Avatar

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    Default Re: FPC- Debt Collection

    Hi mr showtime,

    Thanks for making me aware of the concerns you have here.

    To enable me to be able to get these looked into further could you email the details of the account in question by following the contact information in our pinned thread here: http://www.consumeractiongroup.co.uk...With-Problems?

    Once sent you'll receive an automated reply with a reference number. So I can make sure it reaches us could you update the thread with this and I'll get back to you as soon as I can?

    Kind regards,

    Lee

    Web Relations Team

    vodafoneicon UK



  10. #10
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    Default Re: FPC- Debt Collection

    Hi Mr Showtime,
    Lee will help you out - he's helped lots of people on the forum.


    Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (8500)
    Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS
    Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!
    Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!
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  11. #11
    Corporate Poster Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep's Avatar

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    Default Re: FPC- Debt Collection

    Thanks for those kind words brokebutnotbeatn - they're appreciated.

    Take care and let's hope that the OP returns to the thread soon.

    Lee

    Web Relations Team

    vodafoneicon UK



  12. #12
    Basic Account Holder chris34720 Novitiate

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    Default Re: FPC- Debt Collection

    Also the same here with FPC

    had a letter off them yesterday as Lee has tried to help me in the past but had no joy from him

    FPC have stuck there own outrageous charges on top of my vodafoneicon Bill Over 85 of charges at least

    I spoke to vodafoneicon today when they emailed me stating they would get the debt back and id pay vodafone direct, and again no help whats so ever, i lost my job on thursday due to redundancyicon and made a very small offer but an offer to keep this FPC off my back and to remove there charges

    Vodafone came back and said oh we would only make ap ayment plan of 12 months for 47.90 thats the minimum we would accept

    see what i mean i make an offer and they refuse it, never known anyone to refuse money before so they obviously do not want there money


  13. #13
    Basic Account Holder Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman Highly informative Stigman's Avatar

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    Default Re: FPC- Debt Collection

    Hi Chris,

    First of all, you Tell vodafoneicon how much your going to pay and not they tell you, as it is a vodafoneicon debt, pay them directly, as your also now on Benefits you can drop this to 1 per calender month if you so wish to do so, if it takes 196 years to pay off, so be it! A mobile phone debt while your on benefits is low priority, as usual, sort out rent/mortgageicon, council tax, electricity, gas, water, food, clothing, children's school dinners etc. first before any debts.

    As to FPC's charges, just ignore, they cannot add charges unless it is specified in your original contract.

    As your circumstances have changed, Give Lee another shout by posting a reference number and giving him a message with a link to this thread, how to do this is posted in post 9.

    Stigman

    <<------------------ I'm not Ben Collins, but I could be the new Stig

    NEVER telephone a DCA

    If a DCA rings you, refuse to go through the security questions, just say "In writing only" and hang up

    If I have helped you, click on the star
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  14. #14
    Basic Account Holder chris34720 Novitiate

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    Default Re: FPC- Debt Collection

    Will look into it Stigman

    Thanks

    As any parent would say my 9 month old son is priority not them


  15. #15
    Corporate Poster Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep Authoritative Lee Vodafone Company Rep's Avatar

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    Default Re: FPC- Debt Collection

    Hi chris34720,

    So as to keep everything in the one place in regard to your concerns I'll reply to you here in a moment.

    Thanks,

    Lee

    Web Relations Team

    vodafoneicon UK


  16. #16
    Basic Account Holder chris34720 Novitiate

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    Default Re: FPC- Debt Collection

    Alright thanks sorry for the confusion



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