Firstly, thanks to all Caggers on this excellent site who have provided such valuable advice. I have used this advice over the past few months, albeit as a 'silent' member, however I do feel somewhat guilty that I haven't posted any of my experiences so that they may help fellow caggers.
My current situation, highly summarised, is as follows:
1) Several Credit card agreements held for >10 years
2) Exhorbitant interest rates (>30%)
3) Invalid CCAs received etc.
4) Account in dispute letters sent
5) Payments suspended
6) Started to receive many, many phone calls from Credit card companies involved, all of which ignored (due to excellent TrueCall device which I cannot rate highly enough)
I will elaborate on these when I get the time however I think it;s worth highlighting an experience I have had recently concerning telephones calls at work. I have only been in my current job for around a year and during that time I haven't told *ANYONE* my work phone number, not even the OH (all communication being by mobile phone), and especially not any credit card companies. Imagine my surprise then when I begin to receive phone calls *AT WORK* from two of the credit card companies involved. I have racked my brains as to how this could have occurred - I have no membership of social networking web sites with my details on for instance. And then it occurred to me...
I have logged on to two of my credit card accounts with which I am in dispute, using a works computer. I can therefore only assume that the credit companies have 'IP Logged' these sessions and the found out who owns the IP addresses and then rang my company asking to be connected to me, which our receptionists have duly done. You have to admire their ingenuity.
Fortunately for me, I am able to turn the volume down on my work phone and can tell the difference between internal and external phone calls. DCA calls get quickly forwarded to voicemail!!!
The moral of the story then is this. If you don't want to be harrassed with telephone calls at work, *DON'T LOG IN TO CREDIT CARD ACCOUNTS FROM WORK!!!*
Hope this advice is useful.