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Excel Counselling Services/Collections


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they have sent letter requesting a home visit
Nice to see they're playing by the rules!

 

Quite simply, if you don't want to - they can't make you. Write back and say no, simple as that.

 

From the OFT guidelines;

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Debt collection visits

2.11 Those visiting debtors must not act in an unclear or threatening manner.

2.12 Examples of unfair practices are:

a. not making the purpose of any proposed visit clear, for example, merely

stating that collectors or field agents will call is not sufficient

b. visiting a debtor when it is known they are vulnerable, for example, when

a doctor's certificate has been provided stating that the debtor is ill

c. continuing with a visit when it becomes apparent that the debtor is

distressed or otherwise vulnerable, for example, it becomes apparent that

the debtor has mental health problems

d. entering a property uninvited

e. not leaving a property when asked to

f. visiting or threatening to visit debtors without prior agreement when the

debt is deadlocked or disputed

g. not giving adequate notice of the time and date of a visit

h visiting debtors, unless requested, at inappropriate locations such as work

or hospital.

 

Best wishes, Dave.

 

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Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

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Like any other DCA, they have no legal authority. You are not obliged to agree to a home visit, and it would be a very bad idea to do so. I'd suggest you write and tell them that you see no useful purpose in a home visit and will only deal with the matter in writing. You may wish to remind them that the OFT guidelines are quite clear on the subject of visits, so you do not expect anyone turning up unexpectedly.

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They are most certainly a debt collection agency;

Excel: Counselling Services

 

Having spent the last 10 minutes reading their website i'ld want shut of them as quickly as possible.

 

Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

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Thanks Dave,

 

Would you consider these clients to be one of the not so friendly if there is such a thing then or are they likely to be comparable with CapQuest.

 

Cashin

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Excel are just another DCA. They are doorstep collectors who have hijacked the name of a therapeutic technique.

 

This is from their website - the highlighting is mine:

 

Our counsellors are highly trained and primarily come from finance and banking backgrounds. They also have the personal qualities to obtain the best possible result for the lender and enhance the relationship with the customer.

 

 

 

Benefits of Counselling:

  1. Successful counselling results in the return of customers to performing status by establishing a realistic and acceptable repayment programme supported by the full financial and personal information of the customer. This information enables the lender to make an informed judgement of the current situation and as an aid to the future management of the account.
  2. The exercise can be cost neutral when the fee is recoverable from the customer’s account.
  3. Accounts likely to be non-recoverable can be identified at an early stage and prepared for litigation or other recovery procedures as appropriate.
  4. The borrower will be given a clear understanding of the required legal process.

 

In other words, their role is to try to extract as much money as possible. They may use some techniques that a trained counsellor would recognise, but they are most certainly not for the benefit of the debtor.

 

On the other hand, I think the 'counselling' label is just used to deceive (or at best mislead) people as a way of getting into their homes. In some ways, I suspect these creatures can be compared to high-pressure salesmen, who will use various methods to get the client to agree to anything just to get rid of them.

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IMHO, they're all as bad as each other and should be treated as such.

 

This bunch come across as pure slimey on their website;

  1. Successful counselling results in the return of customers to performing status by establishing a realistic and acceptable repayment programme supported by the full financial and personal information of the customer. This information enables the lender to make an informed judgement of the current situation and as an aid to the future management of the account.
  2. The exercise can be cost neutral when the fee is recoverable from the customer’s account.
  3. Accounts likely to be non-recoverable can be identified at an early stage and prepared for litigation or other recovery procedures as appropriate.
  4. The borrower will be given a clear understanding of the required legal process.

Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

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Scarlet,

 

Many thanks,

 

It looks like I will have to CCA this company along with a nice letter...

 

Thanks again for your help and Dave,s

 

I will keep you posted.

 

Cashin

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Dave,

 

I have scrutinized their letter in more detail, and I notice they haven't made any reference to Lloyd's account numbers etc other than their own, so I intend to just dispute their letter until they can provide more detail. The I will CCA them.

 

Cashin

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ye Gads!

 

There aught to be a law regulating debt councellors! Such as the consumer credit Act 2006!

 

then, if they were to mislead you, or be unfair, you would be able to complain to the financial ombudsman service, and cost them a cool £450!

 

And a complaint to the OFT, asking them to use powers under the act to ensure that they didn't mislead debtors again would also be possible!

i will be off site for the next month or so. if you have any problems, feel free to report the post so a moderator can help you.

 

I am not a qualified or practicing lawyer.

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  • 1 year later...

Can anyone ask for CCA? and if so once you get it do you need to to employ a solicitor to do your arguing?

 

Is it only relevant to CC companies or would it be equally applicable to overdrafts!! What about loans? Any suggestion/help, any guidance/templates would be greatly appreciated.

 

Thanks in advance.

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You can send a CCA request for CCs & regulated loans. You would need to send a SAR for an overdraft with a view to reclaiming unfair charges.

 

When you receive your CCAs back, if you scan them remove identifying details and post it up we'll advise you.....for free :D

 

Start a new thread for each one by scrolling to the bottom of Debt Collection Industry - The Consumer Forums and clicking 'new thread'.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

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I have just received a letter from these. It looks like they have got some database and in today's climate with a mailshot that looks reasonably official they will have 60% hit rate at least. It has no other details than our address and Lloyds TSB. Looking at there website they are a private company and have 100+ years of banking fisaco between them. This morning I had someone from their company drop a note saying they called when I was out and they will call again.

 

Should I; be drawn into responding to them; ask them to remove us from their database; ignore them! Am I obliged to do anything with them! They are insult to anyone's intelligence. The letter looks worse than junk mail that I get from 'get rich quick' me too community. They claim to be offering counselling but in reality they are just another 'debt collection' racquet formed by unemployable bankers.

 

Any guidance would be appreciated.

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Was it a card saying we have called etc., etc. ? If so you'll probably find it is a post card delivered by your friendly postman.

 

I would ignore them until they come up with something more tangible, but keep all their missives for future use.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

[sIGPIC][/sIGPIC]

17 Port & Maritime Regiment RCT

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It was an envelope with 'By Hand' written on it. Inside was letter with their ref, date, our address etc.

 

"Following our recent letter, as I had not head from I called ... you were out. Call me on my mobile ... leave message. If no proposal ... legal action ... take this opportunity ... make proposal to the bank ... Signed, Counsellors Initials"

 

On another note, can I send "Letter to request the halt on the processing of your data" to the bank and CC companies. These 3rd party cowboys are eating at least 80% of my time and brain.

 

Thanks in advance

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  • 10 months later...

If you geta letter from Excel Collections, don't panic; it's a free service provided by LTSB to get an update on your situation and, obviously, to try and arrange an affordable repayment plan.

I have had a recent visit from them and they not only helped me sort out my LTSB debt, but also some other credit card debts.

:)

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Do Not Feed ^^^ ;)

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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So, because I write something positive about this company I'm branded a liar - how sad.

I've had a visit from them and found them quite helpful, that's not a bad thing guys.

I noticed the scaremongers who paint a black picture have had no dealings with this company, typical.

Anyway, sorry I tried to help, guess I misunderstood the point of this website.

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"If you get a call from the Grim Reaper, don't panic; it's a free service provided by H.E.L.L. to get an update on your situation and, obviously, try to rearrange your life options"

 

Sorry Sandy-Excel, please give us some credit (pun intended). No offence, but we've seen it all before :)

Sorry if you misunderstood the point of this website. The Consumer Action Group is a rather ambiguous title is it not?

Perhaps this forum will be more suitable:

Credit Today online

 

Hope this helps :)

PLEASE NOTE... I AM MOST SORRY BUT I HAVE VERY LIMITED AVAILABILITY AT THE MOMENT DUE TO EXTREME PRESSURE OF WORK - IF YOU REQUIRE URGENT HELP ON YOUR THREAD AND ARE GETTING NO RESPONSE PLEASE HIT THE TRIANGLE FOR SITE TEAM ASSISTANCE. ELSA XXX

 

Please check out my BLOG for the quick guide to debt threats - it has all the info & letter template links you need to get started on your journey of TAKING CONTROL. :roll:

 

All opinions are my own based on research. I am not legally qualified, if in doubt please consult a legal expert.

Hope this has helped or made you smile. Keep your chin up, you're among friends now! Elsa xxx

Please click the *star* of any CAG member who has helped you .

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