constant harrassment

[Mace windu 72]

Hi all,

I'm currently having diffulty reaching my commitments with a royal bank of scotland card and a Halifax loan.

From the moment i thought i may have a problem. I contacted them both to inform them. (By telephone). Asking if i could reduce my Payments for a short period or a reschedule plan. Both responded by saying they couldn't help until i was two months in arrears.

When that happened both allowed me to pay reduced amounts for three months.

Then i received a call from RBS saying i now would have to deal with Blair oliver and scott. I was harrassed by them almost every day for approx a month by phone and mail. They then passed it on to IQOR.

Halifax referred my account to B,O&S with no notice.

Both D.C.A's refused to identify themselves, quoting the data protection act. I answered their "security" questions and told them I was only prepared to deal with the relevant banks who lent the money.

With that they started issuing shrouded threats.

How should I deal with these people?

I really want to clear my debts and hoped the lenders would help me to do so.

Instead I find myself being bombarded with verbal and written threats.

[Guest forgottenone]

Only one thing to say ...

 

1 NEVER speak to them on the phone

2 As above

 

How should I deal with these people?

 

Find yourself have you right in place CAG on.

[jumpjet]

Hi mace,

there are letter here you can use

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

 

Just ammend for your own needs.

I would suggest that you CCA your creditors.

You can reclaim charges etc from cards and banks and maybe mis sold PPI.

Have a good look round the site and post in the appropriate forum to get the best advice.