blueboy1 the message I put is in MY OPINION on what me and people I know have dealt with this problem or problems along similar lines and that's how I found the problem(s) to be solved, I understand that you may have a different experience with this company but I replied to the original question from mine and people I know experiences, to help solve the problem, I don't see you giving advice on how to solve floridagirl's problem your just criticizing what I have wrote by saying that I am talking rubbish, I would like to know what specifically about my message is rubbish because at the end of the day its my opinion and how I feel something could be solved. AND THIS IS A CONSUMER FORUM, WHERE PEOPLE TRY AND HELP SOLVE ISSUES FROM KNOWLEDGE AND PAST EXPERIENCES NOT TO ATTACK PEOPLES OPINIONS. Like my old man says IF YOU HAVEN'T GOT SOMETHING CONSTRUCTIVE TO SAY DON'T SAY ANYTHING.

I know someone who has this problem before and the best way to get this sorted is next time they call go through their 'SECURITY QUESTION' as they have to this on all calls as under the Data Protection Act, (one of the principles of the act state that a company holding personal data must ensure that it is secure or something along those lines) and its in OFT which they are regulated by, normally they ask you to confirm your DOB and postcode. Once your friend has completed the 'SECURITY QUESTIONS' the person who your friend is speaking to will be able to speak 'Freely'. All your friend needs to do is advise them that he/she is with a debt management company and advise them what company he is with and give them a reference and contact details. Once your friend has done this he/she needs to tell the person he is speaking to that he/she is getting annoyed at the phone calls and would appreciate if the account could be put on hold whilst his/her debt management company get in contact with Experto Credit which is normally (2 wks -4 wks, the hold). All your friend needs to do now is to ensure that his/her debt management company is in contact and has set up a plan with Experto Credit or else as long as there isn't a plan in place with Experto Credit your friend is at risk of being call because they are probably going to call accounts which are not paying/have a plan set up. And in reference to some of the other comments I have seen is that, in my opinion me and people I know who have dealt with this company is that they try to be professional at all times and any problems has been dealt with by a conversation with their collectors rather than correspondence as the collectors there can make notes directly on to your friends account straight away rather than waiting for a reply which could takes weeks by letter and in the meantime may still get calls. And considering the calls to be harassment (a reply from someone else) I read on another forum that they have to call more than 3 times per number that same day, and to be honest your friend should complain about this if they have called one of his/hers numbers more than 3 times a day but at the end of the day they own a your friends debt and your friend is paying it off and if your friend takes my advice above once a plan is in place on your friends account that should stop the calls.