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Hassle from NCO


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Hi everyone,


I wondered if anyone would be able to offer advice on the following situation as I am really worried and not sure if I have any rights here?

I was working for Orange up until september when I finished my employment in the appropriate way- notice in writing etc. and recieved my last pay cheque which seemed to be for a normal amount...havn't heard anything from Orange since other than my P45. However, today I had a voicemail from an unidentified company asking me to call tham regarding debt collection...I called and they told me they were a debt collection agency called NCO and that I owed them over £600 because Orange had overpaid me back in September and they had transferred the debt to them! They told me that if I don't pay this within 7 days they will send someone round to take my stuff from my home!! However I have had no written correspondance from either Orange or this company to inform me of this and yet the guy wanted payment over the phone immediately....I told him this was never going to happen and asked for written confirmation, and the guy then started asking me how much I could afford to pay now...when I enquired what the minimum amount would be he said 'erm lets say...£20?' like he'd plucked the figure from thin air......


Sorry, is a bit of a rant I know but I'm really worried about this as I'm now a student and there is no way I can afford to pay this at present, and besides I'm quite wary about making a payment over the phone to a person who could be anyone!! Can anyone offer any advice or else point me in the direction of someone who can? Can they really just take my things like that without warning?!! Any advice would be appreciated, thankyou!

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Well surprisingly enough NCO are talking utter tripe as ever.

They can't simply turn up and remove your goods without a defaulted court order.


Firstly NEVER talk to these "people" on the phone as they will say anything to secue a payment.

Keep everything in writing.


Now as they are a collection agency they MUST be made to prove that the debt is legit and collectable.


For starters I would propose this:


Dear Sir/Madam


You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.


I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).


I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.


I/we 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/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.


I/we 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/we look forward to your reply.


Yours faithfully


NCO are very hot on the use of the phone, so be prepared to be inundated with calls.

It would be a good idea to get Choose to refuse (BT) and block their numbers as they use them.

They'll get the idea in the end and stick to writing.

Be VERY careful whose advice you listen too

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Curly is right.

I have moved yur thread here out of the Welcome forum because its where its best aired now.Keep it updated and dont be afraid to ask more questions.

Make sure to keep a record of all comms from these.

Do Not deal by phone.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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