Debitas Legal Services

[Bilgeman]

That's my experience too. I'm not actually bothered about them wasting their time and money ringing me. I just feel angry for those people of a more nervous nature who can be bullied and terrified by these pieces of ****

[Bilgeman]

Don't know if this thread's still live but I find that asking them to wait a minute while I switch on the recording machine really throws them. They get very defensive. I've been told it's 'not condoned', 'not usual' and even 'not allowed', I tell them tough poo, that it's my phone and I'll do what I like and if they don't like it they can feel free to stop ringing me - and not to worry coz I really won't be upset and take the hump about it. Then it becoes a stalemate, usually finishing with them saying the calls will continue and me just managing to say 'and I'll continue to record them' before they hang up on me.

[Huff&Puff]

That's an excellent response to their drivel, I like it :)

 

If you carry on like that, you'll soon be eligible for promotion to "Advanced Baiter"

[Bilgeman]

Better than being a Master one which they obviously all are

[Huff&Puff]

Lol :D

[Bilgeman]

They phoned me again today and actually told me it was against the law for me to record conversations with them on my own phone. An arrogant thug who began to speak over me when I tried to reply so I let him whine on for a couple of minutes and said, "I'm terribly sorry - would you mind saying that again as I was totally ignoring you'.

 

Click

 

Bye, then....

[Huff&Puff]

Oh how they hate it when we fight back

 

I do hope you will be sending these recordings to Trading Standards and the OFT when you have a suitable collection?

[Bilgeman]

Oh yes. It is now well past the 12 day deadline for the request I sent for the signed agreement copy. Nothing has arrived. Even allowing for the postal strikes it should have arrived by now. Sometime around Bonfire Night (fireworks for them) they will pass the 40 day limit for the SAR.

 

I wonder - if this is a CRIMINAL offence, has anyone here actually tried reporting them to the Police and seeing what happens? I know they aren't likely to be interested but it would be interesting. Might do it.

 

Also, with the election looming I am going to speak to our MP and see if he's remotely concerned. Anything that disrupts these skunks' day for them, even for a moment

[Bilgeman]

OK - Get this, from CapitalOne received today:-

 

Dear Bilgey

 

'Thank you for your recent letter requesting copy documents for your account.

 

Please find enclosed a copy of your credit agreement as requested. In accordance with section 78 of the Consumer Credit Act 1974 and the Consumer Credit (Cancellation Notices and Copy Documents) Regulations 1983, this is your original agreemetns, and if any terms have been varied, then the copy agreement will include the updated terms. In addition, your personal details, the signature box, signature and date of signature have been omitted from the copy provided as permitted under Regulation 3 of the Consumer Credit (Cancellation Notices and Copys Documents) Regulations 1983.

 

Your account is in default and the amount currently due and payable is *******.'

 

All they have sent me is a standard agreement with no details or signature. Neither have they deemed it necessary to explain how they come to the figure they allege I owe them. And Debitas are STILL phoning me. Am I missing something? I thought they were supposed to send a true copy of the original signed agreement and what's all that crap about being permitted to leave all the details out?

 

Does anybody know what they are talking about coz I don't.

[Huff&Puff]

This is what they do, they send any old rubbish in the hope that you won't know what is valid and what isn't. And because they aren't very bright, they persist in doing so even when it's obvious that you do know what's what

 

There is little you can do to stop them harassing you on the phone whatever you write. You can either invest in a Truecall device, or get your phone number changed. I would advise simply ignoring the letters.

[Bilgeman]

Now they're REALLY beginning to hack me off:-

 

'...Thank you for your recent letter....with requests for information under the Data Protection Act 1998,

 

I would like to be able to help you with your request, but unfortunately the signature on the letter does not match the signature we hold on our system and under the DPA, I cannor proceed with your request......'

 

OK, so I signed my request letter slightly differently so that if it had been cut and pasted I would know but it must be obvious that it was written by the same hand, if indeed they do hold one at all and I suppose this means they must. The only difference would have been more or less of my name or initials.

 

So it looks as though we've reached a stalemate. What next, I wonder?

[Huff&Puff]

That's easy You send the "in dispute" letter, and then you just sit back and ignore them until such time as they produce a valid CCA. They can play silly games all they like, but it's their problem, not yours. They cannot legally take any enforcemnt action while the alleged debt is in dispute.

[gazzerh66]

You should send your telephone harrasment letter to

Brain Cole

Capital One Bank(europe)plc

350 Euston Road

London

NW1 3JJ

[Dotty50]

Hi Gazzer66,

 

Just searching for info on Debitas, as they have started calling me today, I assume regarding my Cap1 CC. It is currently in dispute and they disagree that they are harassing me by telephone! I have drafted another letter to send back to them tomorrow, but I just wondered what is the significance of the name and address you have put on the previous post.

 

Are you more likely to get a reply from this person? Oh and by the way, is his first name Brian?

 

My thread is here - http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/199647-capital-1-cca-request.html

 

Any help much appreciated

[lightningd]

Twice I have asked Debitas who they are acting on behalf of & they have sent an identical letter to their last one. It appears it is probably Cap1 but they refuse to say. Have now sent them a nasty letter insisting they send me official documentation which they cannot possibly have. Watch this space.

[Spelunkerer]

Could someone please give me the address to send such a letter to Debitas as I'm also being harassed by them.

Thanks

[lightningd]

the address for Debitas is - P.O. Box 6459 Nottingham NG2 3FG. Hope this helps you good luck

 

Regards Lightningd

[Spelunkerer]

the address for Debitas is - P.O. Box 6459 Nottingham NG2 3FG. Hope this helps you good luck

 

Regards Lightningd

 

Thank you very much.

[Dotty50]

Hi Spelunkerer,

 

Send you letter recorded delivery (£1.15), it took me a couple of letters to get rid of them and they also sent Power2 contact knocking my door (twice)

[Spelunkerer]

Hi Spelunkerer,

 

Send you letter recorded delivery (£1.15), it took me a couple of letters to get rid of them and they also sent Power2 contact knocking my door (twice)

 

They are welcome to knock on the door - I 'forgot' to give them my new address.

[lightningd]

They are welcome to knock on the door - I 'forgot' to give them my new address.

Hi Spelunkerer. Got another letter from debitas saying last chance before they hand it over to another company. Probably power2contact who act for them and sent me a letter saying they had handed it back to debitas as they dont get involved in disputes. Lying gets as they will act on debitas`s instructions. They also state that they have not broken the data protection act and can hold my details on file. Again lies as account is in dispute. I have not replied bacxk to either of them.

Catch you later

Edited April 25, 2010 by lightningd
checked spelling

[polarbear19]

I to am having problems with Debitas. Last august I set up a short payment agreement at the rate of £60 per month, to be paid by standing order. In the January of this year I started to receive calls at the rate of 3 or 4 a day. I knew by the number who they were. ( they actually use about 4 or 5 different numbers)

 

I eventually gave in and spoke to them. They insisted that the SO agreement had finished and that at new agreement had to be set up. I agreed and as the new agreement was only a couple of ponds more for 12 months i felt that this was ok. They insisted that the first payment be taken by debit card over the phone. I gave them the details and after a couple of attempts at trying to debit the cash from my account I started to give them details off another debit card and in the meantime checked my bank account on line. I noticed that they had already taken money via the SO so I managed to cancel the ongoing transaction over the phone and said that I would call again in the February. They were very demanding insisting that if i didn't call that the account would be given over to another collection company and probably taken to court.

 

In the February I called and started the new payment plan by debit card and placing the further payments by Direct Debit. However it was later that I noticed that yet again payment by the original SO had been also been taken.

 

I have tried on several occasions to explain that I would like that money refunded and what the implications of my finances would be if this did not happen ie a couple of my regular DD payments failing due to lack of funds, bank charges as a result etc etc.

 

Eventually I was told that I would have to speak to my bank and have them fax over a letter requesting the return of the money. When I spoke to the bank they showed me a copy of the SO which actually ended in the February. I asked if they could request the re payment of the money and they said that under the rules of SO's that this would not be possible.

 

I feel that I have been bullied into setting up this new payment agreement and therefore paying over double to them. They don't seem to want to listen or discuss anything unless it is on their own terms.