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Call Serve At My Door!!! Will Be Back Again !

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Hi everyone,

 

I have recently moved in with my girlfriend and starting getting letters from Call Serve Ltd on behalf of Barclays Bank for £2061.03 which was an overdraft which the bank kept hitting me with charges and it went from my original overdraft of £800 to £2061 !!

 

Last night someone with "CSL" on his shirt came to the door and asked for me, which must be CALL SERVE as nobody else knows I live there and its the only mail I get at this address, my girlfriend told him "he's not in at the moment can I take a message" and he "replied its regarding an account" !!

 

What can I do? is he gonna start taking my items????!!!! Can he do that as its not my house and nothing in the house belongs to me??

 

I was going to ring them today and the I did a Google search and ended up here, shall I ring them so he doesn't turn up again tonight??

 

Do I need to deal with him at my door??

 

Should I ring them or not?

 

After reading the many threads I was wondering if I can send them a CCA, but does that work with bank overdrafts/accounts ?

 

Pretty stressed out, pretty scared he was at my door and will probably be back tonight, its embarrasing as well, as my neighbours will hear if he starts discussing it on the street, but don't really want him in the house, soooo stressed out!

 

What can I/shall I do??

 

Please help

 

thanks

Andy

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CAg is here. Calm down it will all be ok

 

CSL is Credit Solutions. You don't have to speak to them on your doorstep or on the phone.

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Wooooooo calm down here....chill/deep breath ;)

Firstly Call serve have broken every rule in the book here.

They cannot take any stuff, only a county court bailiff can.

They have to make an appointment with you,which hasnt happened here.

They have no legal rights to any money off you whatsoever, only the county courts do & only after a process has been gone through etc...

Report Callserve to the OFT & trading standards.

Also report them to the police (not 999)

Do not panic, this clown has less rights than the milkman & can simply be told to go away.

Welcome to CAG by the way ;)

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Andy

 

welcome to CAG,and turn the panic button off ;)

 

he's working for a DCA-not a county court bailiff.Bailiffs can only be instructed once a CCJ has been registered in your name

 

as the balance of the OD is mostly unlawful charges,you need to send them a letter disputing the account,and then they can't do anything more till it's all sorted out

 

the bank charges case has been to the House of Lords,and the decision will be coming thorough in several weeks,hopefully

 

also,send them a letter teling them you will only correspond in writing,and that you will not permit them to come to your door.If he turns up again,ring the cops and tell them you have a trespasser,and get his name and a photo if you can.....

 

and never ever phone a DCA,or take calls from them


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As has already been said, try to calm down. If you can, print this letter off and give it to the monkey if he turns up again (remember to slam the door afterwards ;))

 

Dear Sir/Madam

 

Account Ref xxxx

 

Please be advised that I will only communicate with you in writing.

 

Should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Yours faithfully

 

Report them as advised! They cannot EVER turn up at your door - they haven't even wrote to you, let alone anything else! Believe me though, there is nothing these clowns can do.

 

Your right about the CCA request, it does not apply here. However, you can send for a SAR which costs £10 and will provide you with statements etc., etc. From there, you can total up the charges and look to claim them back. The letters you need are in the template library HERE.

 

You will get all the help you need on CAG :)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Make an official complaint to Barclays as well ;)

I personally would ring Call serve (although we normally advise not to), to state that you find their behaviour totally unnacceptable & that you are not giving them any permission to visit unnanounced like that again & should they fail to obey your order, they will be liable for a tort of trespass which could result in police attendance :)

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If they do phone, refuse to do go through security with them - it'll annoy the hell out of them :D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Hi,

 

Thanks for the quick replies I was just about to find the nearest bridge.

 

So what are the next steps I need to do? When you sat dispute the charges thought I can't do that since the account has now been passed to a DCA and when I ring barclays they wont discuss it as it has been passed on?

 

What letter do I need to send the DCA, I have nothing from Credit solutions and only Callserve are they the same?

 

OK so next step is a subject access request, probLEM IS barclays wont discuss the matter with me

 

Huge Thanks

Andy

 

ps. super fast responses I really apprecaite it

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Is it call serve or CSL? These companies are all so inbred with the same names and abbreviations. One might get confused:)

Edited by kurvaface
spelling!!

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You need to send a SAR not CCA - and you send it to Barclays (regardless of what they say):

 

Data Protection Act 1998

 

Subject Access Request

 

Dear Sir/Madam

 

ACCOUNT NUMBER: xxxxxxxxx (or multiple numbers if more than one account)

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account at the time of default and at the time the account was opened.

2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations by your company, or by any previous creditor

3. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account formerly held with ORIGINAL CREDITOR.

4. True copies of any notice of assignment and/or default notice or enforcement notice that you or the original creditor sent me, with a copy of any proof of postage that you hold.

5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable).

6. Details of any collection charges added to the account; specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers.

7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998

9. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

10. Copies of statements for the entire duration of the credit agreement.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

Unless they have sold the debt, it is them that are liable to cough up any charges.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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It could well be them "C.S.L" = Call Serve Ltd??????????

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DO NOT invite him in!! Give him the letter I posted above about tort of trespass and tell him to sod off (or your choice of words).


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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Hi,

OK so next step is a subject access request, probLEM IS barclays wont discuss the matter with me

 

Use Barclays official complaint proceedure..they will have to listen/take note of your complaint.

Then make a complaint to the financial ombudsman...they'll soon make Barclays sit up & take note as well ;)

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Firstly they need to know as soon as that you will only communicate in writing. PErhaps you should knock something up to give by hand later if he comes again.

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DO NOT invite him in!! Give him the letter I posted above about tort of trespass and tell him to sod off (or your choice of words).

 

"sod off" seems ok to me

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Simply tell the clown to go away if he turns up again.

Refuse to get into any discussion with him.

Do not be bullied or intimidated by him & call the police if he refuses to go away (999 on that occassion)

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Ok so I will give the guy that turns up the letter after I find out who he's from:

 

CSL = call serve limited ??

CSL = credit solutions ???

 

Then I will send the above letter S.A.R to barclays, but is there a letter template I can send to the DCA so they leave me alone whilst I investigate the charges, or shall I just send a simple letter telling them I am investigating??

 

Thanks

Andy

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You put the account into dispute so they have to stand back while it's being sorted.

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Letter for DCA

 

Dear Idiot

 

This alledged account is made up purely of default bank charges, which I am in the process of claiming back, as such this account is in default until such time as:

1. Barclaycrap pay me

2. Barclaycrap pay me

or 3 Barclaycrap pay me

 

so until such time any attempts by Barclaycrap or any other firm that the alledge debt may hav been passed/sold to is unlawful

 

I now require your companies official complaints procedure so that I may make an official complaint against you to the relevant authorities.

 

Amend to suit:D


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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Letter for DCA

 

Dear Idiot

 

This alledged account is made up purely of default bank charges, which I am in the process of claiming back, as such this account is in default until such time as:

1. Barclaycrap pay me

2. Barclaycrap pay me

or 3 Barclaycrap pay me

 

so until such time any attempts by Barclaycrap or any other firm that the alledge debt may hav been passed/sold to is unlawful

 

I now require your companies official complaints procedure so that I may make an official complaint against you to the relevant authorities.

 

Amend to suit:D

 

:D:D


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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I have just sent a letter to CALL SERVE, as it has to be them they are the only ones who have been sending me letters.

 

The letter I sent was the "contact me in writing" letter from above and to let them know I am investigating the charges.

 

The letter was sent via recorded delivery,if the guy turns up again tonight I will just refuse to answer any questions and tell him I have sent them a letter.

 

Will also get a S.A.R. sent to barclays and when that is answered I will be back here to figure out where to go next.

 

Huge thanks for all the help so far and the crazy fast speeds in which everyone replied.

 

Thanks

Andy

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Always refuse to speak to them. A debt collector came to my door about six weeks ago. My wife answered the door and I heard him say he was from Robinson Way (I didn't know they operated in NI). When I came to the door, I told him that I’m not going to speak to him and closed the door. He looked surprised and had to leave. I haven’t heard a thing from them or Cabot who they were collecting for since.

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Let us know how you get on Andy

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Call Serve, is a trading name of;

Credit Security Limited:

 

Application / Licence Details

Licence Number:0593252Licence Status:Current

Current Applicant / Licensee:

Business Name Company Registration Number

Credit Security Limited 922180

 

Categories:

Consumer credit

Credit brokerage

Credit reference agency

Debt adjusting/counselling

Debt collecting

 

Right To Canvass Off Trade Premises:Yes

Trading Name(s) (Current):

C S L

C S L Financial Services

Call Serve

Negus

 

Issued Date: 19-Nov-2006 Expiry Date: 18-Nov-2011

Legal Formation:

Body Corporate (incorporated inside UK)

 

Current Individuals that run the organisation:

Name Position

Mr Lance Antony Slade OFFICER

Ms Maureen Pamela Appleby OFFICER

 

Nature of Business:

Debt Collection

 

Current Address(es):

Address Type Address

Correspondence The Old Court House, High Street, Whitchurch, Aylesbury, Buckinghamshire, HP22 4JS, United Kingdom

Principal Place Of Business The Old Court House, High Street, Whitchurch, Aylesbury, Buckinghamshire, HP22 4JS, United Kingdom

Registered Office The Old Court House, High Street, Whitchurch, Aylesbury, Buckinghamshire, HP22 4JS, United Kingdom

 

Historic Address(es):

Address Type Address

Principal Place Of Business Credsec House, Oxford House, Stone, Aylesbury, Bucks, HP17 8PL

Principal Place Of Business Credsec House, Oxford Road, Stone, Aylesbury, Bucks, HP17 8PL

Registered Office Credsec House, Oxford House, Stone, Aylesbury, Bucks, HP17 8PL

Registered Office Credsec House, Oxford Road, Stone, Aylesbury, Bucks, HP17 8PL"

 

AC

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.........and now it makes sense AC.

 

Make sure you keep us updated Andy - there is always someone around on CAG, no matter what the time :)


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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