Fishing DCA`S

[schrodingers cat]

Hi folks

first it was lowell who i stomped all over with your help now its a different debt from some leeches who go by the name of inter-credit international Ltd

they are on a fishing trip using the tactic of send demands to anyone who`s name fits even if its spelt different

Now i`m almost sure that this is against the consumer credit act but i haven`t got much of a memory and could do with a push

Does anyone know if this is the case and if so what section so i can quote it at them (i love doing that) also who are the people i should be complaining to

Thanx

Schrodingers cat

Edited March 21, 2009 by schrodingers cat
Cant spell

[rory32]

You should complain to Trading Standards and the OFT under the Consumer Protection from Unfair Trading Regulations 2008.

[ODC]

6 Debt collection guidance July 2003 (updated December 2006)

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are

the debtor in question, for example, disclosing details to 'the occupier' of

an address.

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureaux, independent advice centres or money

advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with

debt management companies

f. passing on debtor details to debt management companies without the

debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments

h. not passing on payments received within a reasonable time resulting in

delays that adversely affect a debtor's financial position.

i. failing to investigate and/or provide details as appropriate, when a debt is

queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

k. not ceasing collection activity whilst investigating a reasonably queried or

disputed debt.

[cashins]

2.8 Examples of

unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are

the debtor in question, for example, disclosing details to 'the occupier' of

an address.

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureaux, independent advice centres or money

advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with

debt management companies

f. passing on debtor details to debt management companies without the

debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments

h. not passing on payments received within a reasonable time resulting in

delays that adversely affect a debtor's financial position.

i. failing to investigate and/or provide details as appropriate, when a debt is

queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

k. not ceasing collection activity whilst investigating a reasonably queried or

disputed debt.

 

Sadly, every one of these are broken on a daily basis.

 

David

Debt collection library Follow this link to our debt collection library.

This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly.

This library is work in progress and will be built up over the next few weeks.

17.03.09

[sosumi]

The new Debt Collection Library is brilliant!!!

I love this place. Clever people!:D

[sosumi]

Hi folks

first it was lowell who i stomped all over with your help now its a different debt from some leeches who go by the name of inter-credit international Ltd

they are on a fishing trip using the tactic of send demands to anyone who`s name fits even if its spelt different

Now i`m almost sure that this is against the consumer credit act but i haven`t got much of a memory and could do with a push

Does anyone know if this is the case and if so what section so i can quote it at them (i love doing that) also who are the people i should be complaining to

Thanx

Schrodingers cat

Sorry to disturb thread SC, just bumping back up xx

[sosumi]

SC, is this them?:

Inter-Credit International | credit management and debt collection agency UK and worldwide

No mention of any codes of practice, licence etc as far as I can see. Their 'News' page has news dated 2007.

[sosumi]

From ODC's post:

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

Report them.

[schrodingers cat]

SC, is this them?:

Inter-Credit International | credit management and debt collection agency UK and worldwide

No mention of any codes of practice, licence etc as far as I can see. Their 'News' page has news dated 2007.

hi

thats them,we must be wrong about them. according to their testemonials thay are lovely people

S.C

[ukdeveloper]

Sorry to hijack a very old thread, but just had a letter from these muppets simply addressed to the address stating that someone has ignored all correspondence etc etc etc and that they are gonna take "someone" to court etc etc...

 

oooh the're open now... i think ill give them a call.....

 

UKD

[sillygirl1]

You could also report them for communicating in a misleading way.

 

Don't forget to ask for a copy of their complaints procedure - if they haven't got one then that is another complaint.

[ukdeveloper]

HeHeHe

 

Just rang them.... they said it was more than likely a printing error then proceeded to try and extract personal details from me..

 

They ARE licenced however CCA License Number 000057

 

 

Licence Number:

0000057

Licence Status:

Current

Current Applicant / Licensee:

Business Name Company Registration Number

Inter-Credit International Limited 1024737

Categories:

Credit reference agency

Debt adjusting/counselling

Debt collecting

Right To Canvass Off Trade Premises:

No

Trading Name(s) (Current):

Inter-Credit Consultants

Trust Recoveries

Issued Date:

07-Oct-1976

Expiry Date:

30-Oct-2011

Legal Formation:

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

Name Position

Brendan James Glover OFFICER

Simon Peter Davison OFFICER

Historic Individuals that run the organisation:

Name Position

Edna Florence Woodage OFFICER

Mr B D Watson OFFICER

Mr Brendon James Glover OFFICER

Mr Bryan David Watson OFFICER

Mr G M Hare OFFICER

Mr M Watson OFFICER

Ms Mary Watson OFFICER

Nature of Business:

Debt Collection

Current Address(es):

Address Type Address

Principal Place Of Business 4th Floor Southpoint House, 321 Chase Road, Southgate, London, N14 6JT

Registered Office 4th Floor Southpoint House, 321 Chase Road, Southgate, London, N14 6JT

Historic Address(es):

Address Type Address

Principal Place Of Business First Floor Newby House, 309 Chase Road, Southgate, London, N14 6JS

Principal Place Of Business Inter-Credit House 205-207, Crescent Road, New Barnet, Herts, EN4 8SW

Registered Office First Floor Newby House, 309 Chase Road, Southgate, London, N14 6JS

Registered Office Inter-Credit House 205-207, Crescent Road, New Barnet, Herts, EN4 8SW

[ukdeveloper]

You could also report them for communicating in a misleading way.

 

Don't forget to ask for a copy of their complaints procedure - if they haven't got one then that is another complaint.

 

I asked them for a copy of complaints procedure.. they said.. "Just send in your complaint, and we'll get one of our senior muppets to have a look at it".

 

It beggers belief sometimes.

 

UKD.

Edited January 14, 2011 by ukdeveloper
i cant spell