Im in a mess advise please

[conar686]

Hi WG, I dont have a camcorder but it will be the person who looks after my children that will get them at the door next time, and what is really annoying is they posted this letter through without sealing it.

 

If i send them a letter on monday telling them under no circumstances should they come to my door or i will report them for tresspassing, will they take notice of it? do they even care? how many times will they come knocking before they back off. At the end of the day they do not have an enforcable agreement for me, so im not paying another penny.. if they take me to court will they laugh them out fo court or will the court go with them because they can see that over the years i have been paying..

 

I have read up on the HFC forum and they seem to be the worst at ignoring letters etc... Once i have stopped them coming to my door i will complain to the OFT.

 

Thanks

 

Complain to the OFT by all means but I'd complain to your local Trading Standards and state you are being harassed by this organisation. Give them the details of the visit.

[sam614]

do it though consumer direct.08454 04 05 06

 

they pass it to your local TS

and TS in the DCA area.

2 in 1;)

 

defo mention a open letter,and any possible re visit would be meet by sitter.

SAM

[whatamess]

Thanks for all your help guys. :)

[razamkuk]

Hi Below is the email I have send to CSA and CC debt collection agency operations manager and I got the response from them saying that they close the file and send it back to Lender and they will be in touch with them.

 

 

Hi Claire

I got your name and email address from the CSA website in relation to complaint about Please insert Debt Collection agency name) .

I have advised (Please insert Debt Collection agency name) agents that, am no longer a client of yours and demand that you update your records accordingly.

I even inform them that they are now obliged under section 2.8k of the office of Fair trading debt collection guidance to the mark account In dispute and to cease all collection activity with immediate effect.

I also told them that they are in breach of debt collection guidance section 2.6H in ignoring or disregarding claims that the debt has been Disputed, and continuing to make unjustified demands for payment which are considered Harassment under OFT guidance.

I also advise them that, I don’t want anymore letters or phone calls to the address and phone number, and yet I am receiving at least 2-3 calls per/day on my mobile and home.

I told them I have set-up a contact log and recording this communication in the log to present to office of fair trading, The Banking Ombudsman and Information commissioner but it seems that, they have not updated the records as per request and agents from NCO-RMA is still calling me and harassing me on ongoing basis, and it is very apparent that they are purposely ignoring my request and OFT guidelines on Debt collections.

I seek your support and advice on my next steps towards this ongoing harassment.

I am looking forward to hearing from you

Kind Regards

 

 

Hope thsi will help

[whatamess]

Hi Razamkuk

 

Thanks so much for taking the time to reply to my post, who are CSA? I will happily send this letter off to complain about HFC/Benifical but they have not yet sent it to the DCA yet, does that matter can i still send this letter off?

 

Thanks

[razamkuk]

CSA is Credit service Association. all the debt collection agencies are there members. If you go to there website and search for the debt collection agency under the membership list you will the debt collection which is harassing you . You will find the point of contact name and email address. email to [email protected] and cc them and you will get prompt reply . Make sure you just copy and paste the email I have posted here.

 

it worked for me. Hoep that will work for you.

[razamkuk]

I mean to say that you will find teh debt collection agency which is harassing you sorry for the typo. Can say much while at work.

[whatamess]

Oh I see I have never heard of them before so thanks for that information.. but at the moment im not being harrased by the DCA Im being harrased by the creditor

 

Thanks again

[razamkuk]

In that case all you have to do is create a contact log record date and time and name of the person who is calling you and tell them about section 2.6 and 2.8 on harassment and advise them you have created contact log and you will be reporting OFT and financial ombudsman for harassing you on regular basis. Lastly keep that letter for Debt collection agency as, they will eventually pass your case to debt collection agency. This letter will be very useful to you at that time. Hope this will help

[whatamess]

Hi all

 

I have CCA'd one of my creditors and they have written back to me with a sample credit agreement, they have filled out my details in handwritting and left the signature for me to sign and send back (yeah righto) anyway they have also sent me a statement with all payments and charges. I want to send them them norm letter to say they are in defult blah blah blah, but i have added up all the chages and they come to over £300 can i claim this back as well as me tell them they are in default and i wont be paying them any more money until they produce a true copy of my agreement?

 

Thanks

[wigworld]

If you are successful in claiming back the charges, I think they will just deduct this from the amount owing. I would just concentrate on the invalid CCA which will result in the whole amount being wiped anyway.

[debtdeception]

Going for the charges could also confuse the issue with them, and it is something to look at if needs be later.

[IdaInFife]

nothing wrong with doing both, gets the balnce down and if no cca and want to get rid might bite your hand of for a reduced f and f to get rid of it

 

ida x