Oh Joy lol At least the new phone is blocking all the unwanted calls and its easy to add the odd one that does get through.

I sent a letter, factual and concise, and within days the calls ceased. No one since then. No apology but wasn't really expecting one anyway tbh. I have got the new landline phone active and its doing a good job of blocking everyone else. Check it every day, add a few numbers to the blocked list now and again. Amazing piece of kit! I'm going to let this drop now. The calls stopped, the phone works and life is peaceful once again Thanks for the advice and helps people

Thank you so much. Amazing amount of help and information I drafted a letter but after reading the above it needs a little more work and needs to sound more formal. It's not a rant by any stretch of the imagination though but needs work. I have my kids with me all weekend so I doubt I'll get a chance now to do it properly before Monday (rather put my efforts into them) but as soon as it's done I will copy and paste it on here and ask if you chaps can help put right anything that may be wrong before I send it. I really do appreciate the help you've given me. I think I have them over a barrel now

Ok. Thank you to you and everyone else who has helped steer me through this. I feel a lot less stressed today knowing I'm dealing with it now instead of it just driving me insane.

I have a crime incident number. Got that when I contacted the police in the first place. I am drafting a letter first. I have no intention of making any threats. I shall inform them I have complained to the TPS, Oftel and ICO and the police have been involved. I will however tell them that if the calls do not cease my next port of call will be the Financial Ombudsman and the FCA. I'll let them know the police officer took 2 of the calls and rang them back and was hung up on. I'm going to email it and send a copy registered in the post. Belt and braces. They've been relatively quiet today. Only 8 calls so far. Not feeling so stressed about it today now the police seem to be taking it seriously and I have a clear plan of action.

The officer did however agree it was harassment. I'm on 6 calls already today so far.

Update so far... The police turned up at about 10 this morning. I was explaining what is happening and they rang He asked for the phone and answered the call only to get the usual silent line. He carried on talking to me and 6 minutes later they called again He again answered the call and got the usual silence. He called them back from his phone and amazingly they answered! He said I'm officer ****** from Essex Police and they immediately hung up on him. We have though, from them answering the call, ascertained the company is The One Stop Loan Shop so I am now sure of who I am dealing with. The officer took notes of my call logs and will be passing it on the fraud department, although neither of us were convinced at this point its fraud, just hard selling tactics and an autodialler set up. They will be in touch and in the meantime I am to carry on taking call logs. Next step. Get them to stop calling me. I have trawled their website and have found their company address, email address, complaints procedure and pretty much all the information I need. Should I.... Wait for the police to do something? email them in the first instance to attempt to get me removed from their database? Write and send a recorded letter to their offices? Report them to the Financial Ombudsman? All of the above? Opinions please?

Thank you. Very interesting reading. Its all very well people saying "let it go" and "get a call barring phone" but they'll continue to do it to someone else. Someone has to stand up and be counted sometimes and this has annoyed me so much that this time its me. I appreciate I'm a small cog in a large wheel but if enough people stand up to them at some point it has to make a difference. I will continue making my call logs and will await the police. Subject to what they say will determine my next course of action but either way this is far from over! Watch this space...

Yeah I have done. But I'm like a dog with a bone sometimes and this is one of those times.

IMO the fact they are asking for George King is proof enough that I didn't allow my number to be given out or used. I am super careful about my number due to this happening to me a few years ago. Then I just changed my number but now it would be difficult because of my health and the people who have it or need it. Consultants, Occupational therapist, Hospital departments, Psych, friends and family etc. It would be just so much aggro. I do have faith in the meantime the BT8500 will make a massive difference when it turns up but I do intend to see this through to its conclusion. Had another 3 calls since my original post :/ Also my other argument is if I called someone 10 times a day and hung up I'd soon be done for harassment. If it was a debt collector (which it isn't, no debt) they could be done for harassment. I don't see this as being any different unless there's something I'm simply not aware of. Trying to make sure of my position before the rozzers arrive.

For the last 4 weeks I've been plagued by nuisance callers. They call asking for George King, who I have no idea who he is, or its silent. The silent ones are the worst. I get between 8 and 15 calls a day from 08719430417 who I believe are either One Stop Loan Shop or Little Loans between 9 am and 9 pm. In all the calls I've had there has only been someone on the other end once which was this morning and as soon as I started to explain I didn't want their calls he hung up. But that didn't stop the calls. I've had 8 more today already. I am registered with the TPS, I have complained to Oftel and ICO but they both seem useless. I called my landline provider and they suggested I change my number but that's no guarantee that this will stop it. It may just start again on a new number. And I refuse to be hounded into doing something I shouldn't have to. Since Monday I have kept a log of all nuisance calls and which number they're from. I don't pick up withheld or private as a matter of course. 32 calls so far! I am disabled and can't get about much so the phone is my lifeline. Another reason not to change the number. I've spoken to the police and they seem very reluctant to do anything. If this was a debt collection agency I'd have them by the short and curlys! I intend to pursue the police, having done all the legwork and having a log of calls and times. I don't see this as unreasonable. However... I am pondering as to whether I can get a solicitor involved and sue for harassment? I may be sick but I'm not stupid and this is causing me distress and I'm actually beginning to feel quite intimidated. I have just been online and purchased a BT8500. So have I covered all the bases and should I keep on at the police? Should I consider a solicitor. I know a local pro bono one. Advice or opinions please

The exercise was to get some debts dealt with and paid. None of the debts were in dispute, I/we signed credit agreements and was not/am not trying to wriggle out of my responsibility to pay back money I have borrowed in any way shape or form and legally owe. None of the DCA's acted unlawfully and were actually more helpful than the companies I owed money to in the first place. The reason I put this topic up was to show people that no matter how dire your situation (we went from earning £2400 a month to being on income support/incap benefit) if you talk to people and are not entirely unreasonable it is possible to come to an agreement that suits you and not everyone else. Trust me i'm not in the habit of paying money I don't have to! Intrim Justicia are chasing me for a 9 year old debt (statute barred anyone) and are getting a wall of silence in return. I just thought it would be nice to post something positive for a change.

I should also add that offers for reduced lump sums have already come in for 2 of them. If I had a few hundred quid spare I could actually save myself a lot of money lol.

There was no need to be honest with you. We were paying all the debts up until August last year when my wife was made redundant. They were for catalogues, Cards etc and none were in dispute at that point, all were legitamate and none were in arrears. When my wife was made redundant we tried dealing with the companies directly but none of them would help or accept reduced payments. At that point I dug in my heels and decided it would be easier to deal with DCA's so ignored the original companies and waited for DCA letters to roll in. I've dealt with DCA's in the past and find them easier to deal with if you tell them what you're doing and keep up a dialogue. I think they work on the understanding that something is better than nothing. At no point was I trying to duck out of paying my debts and I let them know this right from the offset. For me honesty and brute stubborness has paid off.

Hi all, I just wanted to tell people I have recently dealt with the 3 companies named above for 5 differant debts for anything between £350 and about £1800. Its taken me 8 months of negotiating and letters back and forth but each of these debts has now been dealt with and I am paying them off at £5 each per month until further notice. Our financial situation is income support/incap benefit due to me having to have spinal surgery and my wife having MS. At all times I kept them informed of what I was doing next, my finances, my health, etc, I only wrote to them and most of all didn't let them bully me into financial agreements I couldn't meet when I spoke to them on the phone on odd occasions. To anyone having problems, stick to the facts, don't get drawn into arguments, don't ignore their letters but most of all stick to your guns. Work out what you can pay and refuse to pay anything more. My stubborness paid off, so can yours! I got letter templates from here, changed them slightly to make them more personal to me and sent them off. I read a lot about what others were doing as well which helped. Good research and clear communication is king! Just thought a little positivity would help others feeling stressed and under pressure. Good luck, anything is possible.

Hi everyone. Back again just to ask for a couple of quick pointers if at all possible. I'm having trouble paying Capital One and as much as I try to sort it out I keep getting landed with charges which seems to just send me back over my limit sending me back to square one again. I'm in a hole I can't seem to get out of due to it no matter what I do. Its a £500 limit, currently at a little over, due to their stupid charges. I've worked out that since Sept 09 they have charged me £192.00. Overlimit and late fees. At what rate do I charge the interest and how do I work it out. I don't know how spreadsheets work, don't understand compound interest rates or how to work them out and can't find any working OpenOffice spreadsheets I can copy/utilise. I'd have been happy to continue trying to sort this out but 6 weeks of 3 calls per day have tipped me over the edge and I now have decided to go all out for this. I reckon with interest half the account should be paid off! Any help and or pointers to the right page would be great. Past that I should be OK Love and Peace x

Barclaycard were one of the few people who I owed money to who were actually helpful in agreeing a reduced rate for well over 18 months. I owed them about £750 and they agreed eventually on £3. something PCM. I never stopped talking to them, either by letter or phone which helped, sent them financial statements, copies of letters for incapacity benefit etc so they didn't have an argument in the end. Hope that helps. Good luck

Many years ago my wife had some problems with IJ and had nothing but hassle, even long after she had gone bankrupt:mad: Sorry to say it took the threat of court action for harrassment in writing from us to finally get them to leave us alone, this was after they had been contacted by the official recievers on her behalf as they were like a dog with a bone. They just wouldn't let it go! I wish you nothing but luck with this company, in my opinion, and in my experience with them, they are evil and cruel. Best fight fire with fire then ;-):grin:

Well i've still not had any more correspondance from them, nobody has knocked on my front door, i've yet to see a pre litigation report or proof indeed that the debt belogs to my wife:!: If they are so sure we need a good financial kicking I wish they would just get on with it and come up with the goods. I'm not known for my patience:mad: I'll try the red highlighting if I ever get another letter that demands a response from them What a spineless bunch

No advice to add but wanted to say good luck mate. I was paying debts for about 6 years and gave up eventually and went bankrupt but at that point I had nothing to lose. For me it was the best feeling in the world and even after I got letters from DCA's who I took great delight in calling and being thoroughly rude and obnoxious to down the phone telling them to keep sending the letters as it was saving me a fortune in loo roll amongst other things I begged some of them to take me to court but I never told them I was bankrupt and they had an unenforceable debt:roll: I'm still waiting for my day in court with these clowns over a year later. I have one debt left to sort for my wife so its a good feeling for me but I went through what you did including depression. I'm living proof theres light at the end one way or another as are tons of others on this site. Chin up, keep fighting. It'll be worth it in the long run

Well I sent a copy of the letter today, recorded. Added a few bits of my own and this is how it reads: You have contacted me regarding the account with the above reference number, which you claim is owed by myself and, which you further claim you have written to me about previously which you have not. I think we can both agree at this stage that you are using underhand, threatening and bullying tactics in an effort to make me contact you. I would point out that I have no knowledge of any such debt being owed to S.R.J Debt Recoveries. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I 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. 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 am removing the implied right of way from the public footpath to my property to any employee or field agent representative of your company. Do not attend this property or you will be trespassing and the police service will be called to remove you. I am not prepared to contact you by telephone as I have no idea who you are and in this age of identity fraud am not prepared to speak with an unknown entity about any personal details. The letter you sent wasn't even signed so neither will this one be. I refuse to give a potential [EDIT] the wherewithal to copy and replicate my signature. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I look forward to your reply. Yours faithfully See what happens next I suppose:)

forgottenone: We had a proper rental agreement withour landlady. Unfortunately as it was due for renewal she refused to renew it. She said she needed her house back. Whether or not that was the truth is neither here or there, she was allowed to do what she did but its funny how she was talking of giving us a five year lease before all our troubles and woes!?! We had to make her evict us in the end to get any help from our local borough council which she found difficult and kept us hung on for a few more months which was like living waiting for an axe to fall. It wasn't a pleasant experience, especially as it was really out of our control. We left the space spotless, all cleared and cleaned on our way out and the b1tch tried to scupper our chances of getting a council property by saying to them we'd trashed the place. Luckily my wife had taken pics of it as we left in a spotless condition so she never had a leg to stand on. Funny really when most people look at council tenants and expect us to be the **** of the earth and its the rich who usually have an axe to (unfairly) grind:mad: This country doesn't do much to protect the weak, I have found:sad:

Thanks again for the replies. I've been perusing the site for a while this afters. Is there any way I can actually get out of paying this LOL:D I may look into the fact I simply can't afford it but any other avenues of opportunity I might tread? Reading some real funny stuff on the thread Cheekiness towards a DCA

Thanks for the letter template. I'll sit down and copy it later when the kids are all in bed and I have some peace and quiet and fire it off asap. Should I send it recorded or just first class? Our local CAB are indeed heroes. However its virtually impossible to get through to them these days, probably as most of the rest of the population needs their help I feel confident that my incapacity advisor has ensured all we are entitled too as she is very very good at her job. Like I say, i'm not trying to duck out of the debt, I just want to be treated properly and not be considered a ****** right from the off which is what they've done by lying about previous correspondance:mad: and need the proof they have legally obtained the debt in the first place:) They appear to be very underhand!

Thanks for the advice so far I have no intention of phoning them, I can't afford the phone bill that will ensue LOL:D I've never heard of a S.A.R - (Subject Access Request). What exactly am I requesting from them? Also how can I prove they legally have the right to manage the debt? All I want to do is stall them long enough to get a lump sum of cash together to offer as a settlement. Edit: No I dont use them as my supplier.