what should I do now - if anything

[johnerog]

Never had anything like it either, worked all my life, paid the bills on time and the moment I start to struggle every creditor (with the exception of one) has acted a total ar*e.

 

If they'd shown the slightest sympathy to my financial problems when they were made aware I might not be making them work so hard to get anything out of me now!

 

Rant over

 

One thing that cannot be beaten is a good rant. Get it off your chest i say.

(frequently)

John

[flooz]

I agree with John and Laura - rant all you like, and keep your chin up.

 

By the way, has anyone done a letter to Ofcom etc complaining about the phone calls? I haven't found a template, and wondered if there was a particular format to follow?

 

Oh, and they've obviously realise we recognise their numbe so don't answer the calls ..... they've started with another number, together with lots of sarcasm about how they will continue to keep phoning and not write.....

[Laura Cooke]

Been told Ofcom don`t help with the calls they agree that a creditor/dca as a right to chase you? whilst account is in dispute

[gezwee]

To be honest I'd heard similar stories about ofcom before, seems to be a bit of a copout on their part as we should all be assured of maintaining privacy.

 

Easiest thing to do is ignore DCA's, seems to irritate them more than anything else. If they're really bugging me I'll let them chat for a while and ask them for their full name, company address, directors name, CSA number, FSA registration and anything else that comes to mind - ...... then when they get to the point of asking me if I'll answer any identifiers for the DPA I say 'not today, thanks' and hang up

 

Gez

[flooz]

Thanks Laura. I don't disagree that they have a right to chase, but we have specifically and repeatedly requested they put everything in writing, perhaps they struggle with basic letter writing - as I'm still waiting for a response to my SAR ;-)

 

Gez, we ignore the calls as best as possible, but it's the phone ringing several times a day, at all sorts of times, which is quite intrusive. I know Cap1 have a job to do, so to speak, but it really bugs/annoys me when they resort to tactics like this, treating people like something scrapped off their shoe, without knowing any of the background, etc.

[Dotty50]

Hi Flooz,

 

It takes more time to write(although I agree that they do not appear to have many who can put two sentences together) than have an auto dialling system to randomly catch an unsuspecting debtor unawares.

 

There is something called Truecall mentioned on here, not looked at it myself and I believe it is about £80 so not an option for some people but it is highly recommended to stop this problem with incessant callers.

 

With my house phone I can even set a specific ring tone to numbers so I don't even have to bother finding the phone to look at the caller ID!

[Laura Cooke]

Agree with you both Gez & Flooz Capital One & Mbna were ringing on the hour every hour day and night even weekends and Bank holiday this is pure and simple harrasment the Indian call centres that rang most of the time had a script if you asked them anything off their radar the line went dead I`d agree Gez play round with them to your amusement

 

I specifically & firmly requested contact in writing only due to hubbie not being able to speak due to brain injury so for this to be ignored infuriates me and I have reported it like I say though probably a waste of time but I think diddydicky said it leaves a paper trail about your ordeals and experiences.

 

I have a dc who keeps ringing at moment on behalf of CITI I have told them that the debt as not even been assigned to them so they have no rights to discuss a debt, told them to hand back details to CITI and that I will not enter into discussions either by telephone or in writing yet these morons still ringing

 

These creditors/dca only have one thing in mind getting their money they have tunnel vision and your personal problems, circumstances, illnesses are of no interest to them whatsoever so treat them with the same arrogance that`s my opinion

Edited February 15, 2010 by Laura Cooke

[diddydicky]

Been told Ofcom don`t help with the calls they agree that a creditor/dca as a right to chase you? whilst account is in dispute

 

but they DO have to help when the FREQUENCY of the calls is unreasonable

[Laura Cooke]

Agree DD that`s what Ofcom should do but I find that what they should and what they do do are 2 very different things I personally think they are fed up of consumers taking on the creditors causing them work they never had to do before mind you this is only my opinion. Think this is same with the ICO but the Parliamentary Ombudsman have been great and are investigating 1 of my complaints

[diddydicky]

yep- i think youre right there

[gezwee]

Agreed, pretty much all responses I've had from any authoratative body have been a template response which smacks of time constraints in seeking a remedy.

 

In all honesty I've found it simpler to send off the usual complaints as a paper trail and do my own thing in the meantime.

 

Paper trails are an important part of the process (I'm sure dd will concur on this subject) - my latest to CQ has been an assessment of costs for filing motion to set aside should they carry out their threat to issue SD this week...... sent 2nd class with postal receipt of course in the hope that they'll read it before filing , should make them squirm a little if it gets to a hearing stage

 

Gez

[flooz]

Grrr, these phone calls are driving me mad - but then again, I guess that's what they are intending to do.

[gezwee]

Grrr, these phone calls are driving me mad - but then again, I guess that's what they are intending to do.

 

Errrrrrrrr, ours have stopped........ maybe cos they've now issued a SD

 

Trying to work enough costs into the set-aside to pay for this years holiday

 

Gez

[diddydicky]

Grrr, these phone calls are driving me mad - but then again, I guess that's what they are intending to do.

 

give me 80 quid and ill make them all go away

 

( or to be more precise- buy a truecall)

[flooz]

Thanks DD. Can you tell me how this truecall system works? I'm afraid it's not something I've come across.

 

Also, I do believe that Cap1 are now out of time for their response to my SAR, what are the implications of this?

 

Thanks for your assistance, it's greatly appreciated.

[flooz]

'Tis ok, I've just found the link that tells me all about truecall. I'll have to find out more and give it some consideration. I've got two major thoughts about it at the moment (1) we're a business so do get lots of calls relating to that and (2) we're not BT - the only part of the country where BT do not operate, and i'm not sure of the implications of that.

[diddydicky]

i wouldnt say it was conducive to running a business

[flooz]

You see my concerns DD. Still, with no response to my SAR, I guess it's time for another move

[gezwee]

You see my concerns DD. Still, with no response to my SAR, I guess it's time for another move

 

Hi Flooz

 

Can't remember where you are up to with SAR. Have they sent some data or not responded at all yet?

 

Do you have proof of delivery and date to hand?

 

If its no response and they've gone beyond 40 days I'd advocate a gentle reminder offering them a further 7 days, if still no response send them a LBA giving them an additional 14 days, advising that you will, without fail, file for costs and damages at local court on the 14th day.

 

Gez

[diddydicky]

Thanks DD. Can you tell me how this truecall system works? I'm afraid it's not something I've come across.

 

Also, I do believe that Cap1 are now out of time for their response to my SAR, what are the implications of this?

 

Thanks for your assistance, it's greatly appreciated.

 

 

a fine of up to 5000 pounds if you make a complaint

 

remember it is 40 WORKING days from when they receive it

[flooz]

Thank you both. I didn't send signed for (OH posted it thinking he was being helpful) but they have cashed the cheque sent. I guess it would be prudent to count the 40 days from when the cheque was cashed, as that was a date that can be proved? Do you agree? Also, with the 40 working days, do we work on a 5 or 6 day working week?

[diddydicky]

Hi Flooz

 

Can't remember where you are up to with SAR. Have they sent some data or not responded at all yet?

 

Do you have proof of delivery and date to hand?

 

If its no response and they've gone beyond 40 days I'd advocate a gentle reminder offering them a further 7 days, if still no response send them a LBA giving them an additional 14 days, advising that you will, without fail, file for costs and damages at local court on the 14th day.

 

Gez

 

i'm not aware that non compliance of a SAR is a basis for a court claim!

[gezwee]

i'm not aware that non compliance of a SAR is a basis for a court claim!

 

I can assure you it is dd, have filed and won 3 myself - filed under a part 7 you can claim for costs (30 squid) plus damages....... mine have all been in the region of £220.00 - £340.00 total depending upon how much letter writing there was prior to filing

 

Gez

[diddydicky]

Thank you both. I didn't send signed for (OH posted it thinking he was being helpful) but they have cashed the cheque sent. I guess it would be prudent to count the 40 days from when the cheque was cashed, as that was a date that can be proved? Do you agree? Also, with the 40 working days, do we work on a 5 or 6 day working week?

 

 

5 and not counting bank holidays

[flooz]

Thanks DD - in which case they've got 9 working days left. They wasted some writing back requesting a signature.

Edited February 21, 2010 by flooz