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RBS now sending Agent to my house........


Malagut1
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Hi all,

 

I'm battling my way through the debt maze with various creditors at the moment, have written to all with Income/Expenditure and reduced offers of payment.

 

Halifax (Intelligent Finance) are the most irritating and confusing at the moment.

 

Had a letter from Albion collections ltd last week demanding immediate payment - found out on CAG site they are owned by Halifax so sent CCA request.

 

I've now had a letter from RBS re. the same Halifax CC account - wording reproduced exactly below (my comments in red)

 

Dear.........

 

Our records show that you still haven't brought your account up to date. We have not been able to contact you about this (because I haven't answered any of their 5 phone calls per day and am communicating with all my creditors in writing only)

 

An agent may call at your home so that we can discuss your account.

 

This will result in a fee of £22.33 being taken from your account.

 

To preven this from happening, please phone us on .........within 30 days. If you cannot make full payment now, we will try to agree a payment arrangement with you - (which is exactly what I've been trying to do since June this year......:-x)

 

Yours sincerely

 

Manager, Collections (no name)

I'm finding the letter a bit laughable really but thought at the same time should I nip this in the bud now and send them the letter from this site which basically says 'don't even think about turning up at my doorstep'?

Many thanks in advance :)

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Hi Mal

 

Send this letter recorded http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

Also here are a few tips, don't be scared of their scare tactics, also print out this letter to hand to them if they do call

 

http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

Link to OFT Guidelines :- http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/527-oft-debt-collection-guidance

 

Also for phone harrasment:- http://www.consumeractiongroup.co.uk/resources/templates-library/52-harassment

 

Send all letters Recorded, if you think they have broken OFT Guidelines, complain to the OFT.

You can also contact Trading Standards through Consumer Direct. Any letters you send write CC:Trading Standards with the address of your local office.

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"Report them for charging for an agent visit, they are not allowed to do this under OFT Guidelines"

 

I'm glad to hear that - really think they've surpassed themselves with this load of twaddle.

 

£22.33 as well - nice made up amount......:roll:

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