Jump to content


  • Tweets

  • Posts

    • Thank you for your reply. Yes the hob was bought Sept but not installed until early Dec, started showing faults almost immediately but because it was 'bought' over 30 days Curry's washed their hands of it. The hob cost £229.00 and I still have it here. Yesterday I sent an email to Alex Baldock CEO of Curry's and I received a reply almost immediately from his office who have passed it onto their 'Executive Resolution Team' who will investigate and respond to the matter in due course. The email sent was more or less the exact copy of the one that I posted here so we will now wait their investigation and I will let you know the outcome.
    • The shortage of semiconductors is continuing to have a major impact on industries around the world.View the full article
    • Hi CAG,   First time poster here.   I would like to start off by saying that I've read through various threads and it's quite heartwarming to see the level of attention and support you give to people dealing with often stressful and anxiety inducing circumstances. I'll certainly be making a donation as this is truly a valuable resource.   I've read several similar threads to my own situation but I thought I'd seek your advice.   I opened a letter just a few hours ago from London Collection and Compliance Centre which is dated 11th January 2022 for an amount totalling £870.68. I'll attach a copy below. I can't quite remember the date of the initial offence. For context, I boarded a bus (I believe in 2018) and unbeknownst to me, my contactless card did not register correctly on the reader. I had my headphones in with music playing and was sat for my journey and then was approached by a ticket inspector who informed me that I did not tap and therefore was unable to provide proof of a valid ticket. Despite explaining the circumstances, I was asked for my details which I provided in full. I was honest and forthcoming with the ticket inspector but I wasn't aware this would amount to a fine as I was provided with a printed pass for the remainder of my journey. I accept liability for not being able to provide proof of a valid ticket and do not wish to dispute this regardless of intent.    I'm not entirely sure why I didn't pay the fine upon receipt of TfL's initial correspondence but I'm a long time sufferer of anxiety and depression which at times is so debilitating that I'm unable to make the best decisions or carry out simple actions. Some of which would mean I wouldn't need to make this post. I struggled financially at the time of receiving this letter and further correspondence which placed I did not deal with correctly because of the mental state I was in. I struggled to cope with and stupidly I neglected my responsibility and buried my head in the sand. I made an error in judgement that I wholeheartedly regret.   As of writing (early hours of 26th January 2022), the 10 working days given in the 'Further steps notice' has elapsed (25th January 2022). I rarely receive mail and therefore I don't regularly check my mailbox. However, I decided to take a look today as I suspected I missed a Royal Mail delivery. I intend on calling the number on the letter at the earliest appropriate time in the morning and dealing with this matter. I'm desperate to right my previous wrongs as I've worked hard to deal with my anxiety by beginning therapy. However, like many others in this thread, I'm worried about the prospect of having a criminal record. I'm 26 years only and I don't have any previous convictions nor have I had any trouble with the law. I have a real love for the service TfL provides and I'm capable of listing off an endless stream of related trivia. I have no previous run ins with TfL and regularly travel on the network and pay the correct, full fare each time.    I'm worried about how this will affect my future in regards to employment and my intention of naturalising as a British citizen (I've been in the UK for 20 years now).   I'll note my primary questions below and would truly appreciate your advice.   a) If I get in contact with the number on the letter as soon as possible, will that be too late despite the close proximity to the deadline?   b) What would be the best potential approach to resolving this issue? (I'm unable to pay the amount in as a lump sum.)   c) If I were successful in arranging a payment plan/somehow paying the amount in full, how would that affect the court proceedings? Would this still result in a criminal record?   d) I've seen other threads which mention OOC settlements with TfL, would this be an option despite receipt of a 'Further steps notice' letter?   e) Should I end up in court or have the opportunity to speak to someone over the phone - will I be able to explain my circumstance and plead for leniency?   f) What other general steps would you suggest I take at this stage to mitigate the consequences?   Apologies for this post being so long, I wanted to include as much relevant detail as possible and I'm more than happy to provide any that's missing. I don't want to make excuses for myself. I completely accept I'm in the wrong for allowing things to get to this stage, despite the difficulty I had with my mental state but I want to do right by myself and deal with this. I'll post regular updates and be sure to include a conclusion once I deal with the matter regardless of the outcome.   Thank you in advance for looking at this post, I really do appreciate what you do.   IMG_2609.pdf
    • The worrying aspect is that they could well run away ... then a few months down the line, knowing full well you'd moved, sue you at your old address, knowing you would lose by default.  Therefore I suggest sending the above letter off on Thursday if the other regulars don't disagree, then on Saturday another one to just UKPM     Dear UK Car Park Management Limited,   re: PCN no.XXXXX   please note that I no longer live at XXXXX but that my new address is XXXXX.   Yours,
  • Recommended Topics

  • Our picks

  • Recommended Topics

Codes of conduct for Debt collectors


iccarus1969
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4189 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Im not sure if this has been mentioned before but most debt collectors have to adhere to codes of practices put in place by the CSA (Credit services Association).

There website is http://www.csa-uk.com

 

Most debt collection agencies are members and have to follow the procedures of the csa.

Its worth while checking to see if the debt collector is a member.

http://www.csa-uk.com/uk-members-list

 

If they are you can check if they have breached the code of practice and use their complaints form

both links accessable from http://www.csa-uk.com/page/codes-and-standards

 

You can contact the CSA for more information on 0191 286 5656 or send an email to [email protected]

 

Thought this may be usefull

 

Paul

Link to post
Share on other sites

Guest Cartaphilus

Yes, there are Codes of Conduct but ... I think 'Conduct Unbecoming' because how many here or know that they do not 'adhere' to the codes of anything they subscribe to - least of all the OFT ones - when persuing a debt. Thing is, they ought to know these codes before becoming a debt collecting agency, but time and time again it's proven they don't appear to ... well, care TBH.

Link to post
Share on other sites

The CSA is run by a guy who's debt collecting firm has been warned by the OFT over its many nefarious practises & as I understand it during its existence only 1 firm has been de-registered yet continues to trade

Link to post
Share on other sites

Guest Cartaphilus

To add to that: but when someone (as there have been many cases of, but because they don't often get reported because of how people in debt are mostly perceived when you are in debt - ie you failed in life, now it's up to you to sort it out ... wrong, you are a human being trying to survive, who has more than likely into things through no fault nor reasonable control of their own (no one can predict they will have a job tomorrow for tomorrow) and I doubt anyone pursuing debts can hold their hands up and say they don't have at least one debt to their name, either) is hounded to the brink of suicide by debt collecting agencies ... These codes mean nothing. It's the self reliance on the psychological terrorism that motivates most, because they know how to use these methods to their full extent and unless you find somewhere like this forum you will be none the wiser to.

 

TBH, a bigger stick is needed and long overdue to get this industry to stop doing what it's been doing and thriving on for years. Plenty of fairnesss is needed, but one doubts if that is a word we will ever hear or see where debt is concerned. Fear, harassment.

Edited by Cartaphilus
Link to post
Share on other sites

To add to that: but when someone (as there have been many cases of, but because they don't often get reported because of how people in debt are mostly perceived when you are in debt - ie you failed in life, now it's up to you to sort it out ... wrong, you are a human being trying to survive, who has more than likely into things through no fault nor reasonable control of their own (no one can predict they will have a job tomorrow for tomorrow) and I doubt anyone pursuing debts can hold their hands up and say they don't have at least one debt to their name, either) is hounded to the brink of suicide by debt collecting agencies ... These codes mean nothing. It's the self reliance on the psychological terrorism that motivates most, because they know how to use these methods to their full extent and unless you find somewhere like this forum you will be none the wiser to.

 

TBH, a bigger stick is needed and long overdue to get this industry to stop doing what it's been doing and thriving on for years. Plenty of fairnesss is needed, but one doubts if that is a word we will ever hear or see where debt is concerned. Fear, harassment.

 

 

Agreed Prison should beckon for those miscreants who abuse their position by misleading unsophisticated consumers as to their rights. I'd also like to see more use of the 2006 Fraud Act which they will fall foul of if they mislead people into paying when they don't have to

Link to post
Share on other sites

well in my own experience I have complained through the CSA complaints form on a couple of occasions and it has been resolved shortly after which has been more speedier than the OFT in thows cases.

Link to post
Share on other sites

Guest Cartaphilus
Agreed Prison should beckon for those miscreants who abuse their position by misleading unsophisticated consumers as to their rights. I'd also like to see more use of the 2006 Fraud Act

 

Some of the things I've been told on the phone, and I know others have had ... having your children taken into care, or going to prison being another for not paying your debt, something I was told a while ago by one very well known DCA on the phone I was utterly amazed at the gaul and how they considered they could get away with it ... I would definitely like to see some action taken over because that is out and out intimidation and would be treated as such in any other walk of life.

Link to post
Share on other sites

Guest Cartaphilus
well in my own experience I have complained through the CSA complaints form on a couple of occasions and it has been resolved shortly after which has been more speedier than the OFT in thows cases.

 

Well, I suppose it could be a case of it working for some but not everyone. If that makes sense?

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...