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mightyroyals

payday loan company and telephone harassment

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i sent the telephone harassment letter telling them to stop calling me but i got a reply by email today stating the following

 

" Please be advised that we are within our rights to contact you on any contact details you originally gave us to recover your outstanding debt "

 

Is this correct are they allowed to keep ringing me even if i have told them to stop???

 

Any answers and help would be much appreciated

 

Mightyroyals

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I think that unless it is to promote new products they are allowed to contact you, to recover an unpaid debt for example, but they do have to be reasonable about it, for example they can not call you at 3am - read this for a more comprehensive answer:

 

Debt Factsheets - Harassment of people in debt by creditors

 

if you don't have the debt with them, then just ignore it?, or you could take the ****? say nothing when you pickup the phone and let them do the talking, just don't say anything back? pretend to be french and not understand English? If you waste their time they might stop waiting yours.

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If you speak to them 3 times in one day thats enough - if they phone you and you speak to them more than 3 times in a day then that can be classed as harrassment. They should not call you on any religious day but we all know they do. You could buy a whistle and blow that down the phone when they call. You could answer the phone and say wait while I get him/her then keep the phone off the hook and leave them sitting at the other end like the plonkers they are and get on with whatever you were doing they should take the hint after a while and hang up. Any security questions they may ask dont answer them and say well you phoned me so you should know who you've phoned and hang up. Or phone them up and say hang on and go make a cup of tea and waste their time but remember to withhold your number and only do it if its not going to cost you anything. You can if you feel up to it have some fun thinking of things to say to them they'll get fed up after a while.

 

DG


I have no legal training my knowledge comes from my personal life experiences

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Have they said who they are or mentioned to anyone what they were calling for?

Tell them to stop phoning your workplace as this could result in you losing your job and if they say they will keep phoning tell them you will report them to TS, OFT and anyone else you can think of at the time. Tell them that all calls to and from your workplace are recorded (some companies do like where I work all calls in and out are recorded.) If you have a receptionist who puts the call thro ask them to tell anyone who phones for you other than immediate family (I assume they would know who they are) that personal calls are not allowed anymore.

You could also amend the harrassment by phone letter to include your place of work and your mobile if they know that and send that to them special delivery, I know it costs more but its guaranteed delivery by 1pm next day.

Then if they ignore that letter as well report them to TS/OFT.

DG


I have no legal training my knowledge comes from my personal life experiences

Please help keep the forum alive by making a donation

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i sent the telephone harassment letter telling them to stop calling me but i got a reply by email today stating the following

 

" Please be advised that we are within our rights to contact you on any contact details you originally gave us to recover your outstanding debt "

 

Is this correct are they allowed to keep ringing me even if i have told them to stop???

 

Any answers and help would be much appreciated

 

Mightyroyals

 

Are they contacting just you or work also?

 

who is it you owe?

 

If its just your mobile, just politely tell them you have written to them and do not wish to be contacted by telephone. Do that a few times. Then if they continue, just reject the calls.

 

I wouldn't say they are within their rights to contact you on any number given at any time.

 

For instance, one of the guidelines - 'Contacting you at unreasonable times even when asked not to' - would specifically relate to your workplace.

 

there are many things on the guidelines which you can cite if the company are not even talking to you about your offer of payment (I assume you have made one)

 

I would get the account manager's name that you are dealing with and email them to threaten to inform their manager / their brokers, qutoing their name, if they continue. Think about the type of people working there - low wages, probably mostly commission based. Most likey s*it scared of their boss, so a good chance that from that point the calls would stop.

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They'll claim phone calls are part of their terms and conditions which you have applied to. Just tell them you want to deal with them in writing only.

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