Just thought I'd share my own experience of PTP and, particularly, of Mr Gerry McGuire, that seemingly well-loved () PTP 'account manager'.
As per the norm, I got into a bit of bother with the vicious circle of payday loans with various companies, ending up borrowing more to pay off the o/s loans on a monthly basis. And so on. You know how it goes.
Anyway, I was lucky enough to have support and financial assistance from my father, who has helped me out of a very sticky situation. My father agreed to clear the payday loans, with me paying him back on a monthly basis until such a time as all the money he laid out was paid back.
All was fine and dandy, with my father ringing the various companies involved and paying the debts personally. Until he encountered PTP! They refused to talk to him quoting data protection. They contacted me, demanding payment, to which I replied that my father would be making payment on my behalf, had authority to do so, etc.
About 5 chasing 'standard' emails demanding payment later (clearly ignoring my email concerning payment from my father), I got a lovely email from Mr McGuire, again demanding payment, failure to do so would result in the debt being 'passed to door-to-door collectors'.
Being a solicitor (yes, even they can get into crap financially!), this veiled but pointless threat did not concern me. I reiterated the offer of payment, in full, via my father. They only had to contact him, whereby he would be happy to make payment. Mr McGuire was not satisfied with this, stating that the Data Protection Act prevented third party payments and, also and in any event, it was not 'company policy' to accept third party payment.
Again, I pointed out:
1. That the DPA certainly did not prevent third party payments and, if this argument was to be maintained, to specify the exact section that he purported to rely upon; and
2. That I couldn't give a stuff what their company policy was. If they wanted payment, in full, the offer was there. If their 'policy' did not allow this, then I invited Mr McGuire to issue Proceedings, whereby they would be partially defended on the basis that a valid offer of payment had been made and refused and, thus, although I would acknowledge the debt, I would contest the Court issue fee and claim my costs in defending the claim (which I would have succeeded in, in all probability).
Needless to say, this confused Mr McGuire somewhat, and he simply reiterated a further 4 times that the debt would be passed to door-to-door collectors. And so it went on, with me simply re-sending the email described above in response each time.
Then, the matter was passed to Clarity. The first and only letter from them advised of their interest and made an offer of early settlement at a reduced rate, some £100 less than the full debt. And yes, they did accept third party payments (as do every company I've come across save PTP). It was paid on the day of the letter.
End result? Mr McGuire's bull-headedness and refusal to use simple common sense cost PTP over £100. Better result for me, obviously. Will Mr McGuire keep his 'job'? No doubt. Should he? I'll leave that for you to decide
P.s. Sorry to go on a bit!