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Telephone harassment from Egg, anyone???


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We are now reviewing and recommending the Truecall call recorder. See:- http://www.consumeractiongroup.co.uk/forum/telephone-recorders-reviews-write/167120-truecall-digital-telephone-recorder.html

 

This machine is a bit pricey but does everything and more.

However, there are other cheaper options available. The most important thing is to get some kind of call recorder and start gathering your evidence

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Can you help me, I have been getting calls to work on a daily basis and I only work 3 days a week, when I come in after my days off there is often a pile of messages say " Personal call from Joanne please call her back " and the 0845 number, this is bad enough but yesterday I was away from my desk training and my colleague got a call from HFC Bank and the girl on the phone asked for me, when my colleague said I was away from my desk she quizzed him over my working hours, then she said its funny i am always away from my desk and could he put her through to my direct manager !!! At this my colleague, thinking it was a complaint for me to deal with came and got me, I told the girl who i was and she said I knew you were at your desk, when I asked her why she wanted to speak to my manager- she said to get them to get me to phone them back !! is this legal?? I was hugely embarressed and found this extremely vindictive and I want to know how to complain to HFC Bank - they confirmed to me the call was recorded. I missed last months payment on my loan and the next payment is due - I fully intend to pay the arrears but I would have had some deep explaining to do if my manager had got the call!!

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Hi the first thing you should do is write to them explaining you wish them to take your work no of your record - or if you can do this online on their website do that - you can even type in a number which is not your number (Ie a fake no). Write to the Head Office explaining you want your work no removed from your account and that they should never call you again at your work. Ask them in future to put everything in writing and not to phone you at all. If you put this in writing and send it recorded delivery then you have proof and it's legally binding.

If you are behind with your payments you could write to them and say that you are having financial difficulties at the present time and let them know what payments you can make each month - even if it's half or a third of what you normally pay. Give them a time period when you expect you will catch up. Be realistic with this for example if you owen £100 and you can only pay £10 a month tell them this saying you will pay an extra £10 a month for 10 months until you are up to date with your payments. They would rather you pay something than nothing.

If you are having real difficulty making any payments you can contact your local citizens advice office or a free debt management scheme to get you onto smaller payments which you can afford. They take into account all your income and they give you a good allowance for having a life. But they stop you getting credit. Make sure if you do this it is a "free" scheme and not one where they take a payment monthly from you. You should be able to find out from your local council if there is one in place. Remember it's a "debt management scheme" - you don't go bankrupt and no-one can take your home from you - you get someone to sort out a plan for you and you make payments through a legitimate company who don't charge you anything. A lot of people don't know these companies exist and go into one of the ones that used to/or maybe still do get advertised on the TV or on the internet by email etc which cost money to you and you never get out of debt. Ignore these ones - go through your council or citizens advice.

Don't suffer in silence - if you can't pay don't ignore it as that's the worst you can do. I've been there. I was relieved when I got mine all sorted out. I am now no longer stressed and making payments I can afford.

Good luck and don't let them beat you. If you have any further questions just ask.

8-)

Can you help me, I have been getting calls to work on a daily basis and I only work 3 days a week, when I come in after my days off there is often a pile of messages say " Personal call from Joanne please call her back " and the 0845 number, this is bad enough but yesterday I was away from my desk training and my colleague got a call from HFC Bank and the girl on the phone asked for me, when my colleague said I was away from my desk she quizzed him over my working hours, then she said its funny i am always away from my desk and could he put her through to my direct manager !!! At this my colleague, thinking it was a complaint for me to deal with came and got me, I told the girl who i was and she said I knew you were at your desk, when I asked her why she wanted to speak to my manager- she said to get them to get me to phone them back !! is this legal?? I was hugely embarressed and found this extremely vindictive and I want to know how to complain to HFC Bank - they confirmed to me the call was recorded. I missed last months payment on my loan and the next payment is due - I fully intend to pay the arrears but I would have had some deep explaining to do if my manager had got the call!!
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Hi again also write about the way she spoke asking to speak to your manager. It should be recorded as their phone calls are recorded. I don't know if you can ask for compensation for harassment but put an official complaint to their Head Office. There is no way they should do this to your place of work - it's harassment and could have got you into deep trouble at work.

Let me know how you get on. Good luck.

Hi the first thing you should do is write to them explaining you wish them to take your work no of your record - or if you can do this online on their website do that - you can even type in a number which is not your number (Ie a fake no). Write to the Head Office explaining you want your work no removed from your account and that they should never call you again at your work. Ask them in future to put everything in writing and not to phone you at all. If you put this in writing and send it recorded delivery then you have proof and it's legally binding.

If you are behind with your payments you could write to them and say that you are having financial difficulties at the present time and let them know what payments you can make each month - even if it's half or a third of what you normally pay. Give them a time period when you expect you will catch up. Be realistic with this for example if you owen £100 and you can only pay £10 a month tell them this saying you will pay an extra £10 a month for 10 months until you are up to date with your payments. They would rather you pay something than nothing.

If you are having real difficulty making any payments you can contact your local citizens advice office or a free debt management scheme to get you onto smaller payments which you can afford. They take into account all your income and they give you a good allowance for having a life. But they stop you getting credit. Make sure if you do this it is a "free" scheme and not one where they take a payment monthly from you. You should be able to find out from your local council if there is one in place. Remember it's a "debt management scheme" - you don't go bankrupt and no-one can take your home from you - you get someone to sort out a plan for you and you make payments through a legitimate company who don't charge you anything. A lot of people don't know these companies exist and go into one of the ones that used to/or maybe still do get advertised on the TV or on the internet by email etc which cost money to you and you never get out of debt. Ignore these ones - go through your council or citizens advice.

Don't suffer in silence - if you can't pay don't ignore it as that's the worst you can do. I've been there. I was relieved when I got mine all sorted out. I am now no longer stressed and making payments I can afford.

Good luck and don't let them beat you. If you have any further questions just ask.

8-)

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Hi

 

re the telephone harassment at work. My Oh had a similar experience this week.

 

I complained to Consumer Direct who were very helpful and gave me a reference no.

 

I sent a letter recorded delivery including:

 

" You have telephoned me at work in a manner that appears to breach Office of Fair Trading and other regulatory bodies’ guidelines. I have verbally requested that you cease this breach; I reiterate that now. Your telephone calls have the effect of psychological harassment and act in a way that is likely to be publically embarrassing to me. Your telephone calls may jeopardise my continued employment and result in significant financial loss.

Should you choose to continue to breach regulatory guidelines and UK and EU law by telephoning me at work I will report your activities to the Office of Fair Trading, the Financial Ombudsmen Service and other relevant agencies.

I have made an initial report today to Consumer Direct regarding your activities (Ref no: xxx) who have advised me to request a reply from you within fourteen working days prior to contacting them again to escalate this complaint.

Meanwhile I should be grateful if you would send me a copy of your complaints procedure.

I look forward to hearing from you in writing as soon as possible."

 

Keep fighting.

 

best wishes

 

vic

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