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    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
    • If WFH is what leaves people feeling unsupported then I completely agree that's not good.  I wonder if some organisations were better at keeping communication open, managing the situation and making their employees still feel supported and included.  It's likely there have been lessons learned.
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hockeymad

have uk o draft want to pay - have questions!

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Hi there..

 

Have been reading info on this site - thanks to everyone for potsing lots of information..

 

I have a uk odraft which was originally 1800 quid - moved to Aus two years ago with every intention of paying it back - meanwhile fees, charges etc blow it out 2200 quid. Now being contacted by 3rd debt collecting agency and after reading about their nasty tactics, want to get this sorted out but:

 

Uk bank have my last uk address - should I tell bank / debt agency my new address in Aus?

 

If I tell bank / agency my new address will they send debt collectors from Australia over here to collect?

 

Is there still a case I can dispute the 600 quid charges with the bank and offer to pay the 1800 to the debt agency?

 

I know heaps of questions - am worried about this and would appreciate your knowledge and advice.. !!!!

 

Worried ...

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Uk bank have my last uk address - should I tell bank / debt agency my new address in Aus?
Not unless you want to be pestered by Oz debt collectors.
If I tell bank / agency my new address will they send debt collectors from Australia over here to collect?
There's every chance of them doing that yes.
Is there still a case I can dispute the 600 quid charges with the bank and offer to pay the 1800 to the debt agency?
If you are willing to settle this debt you can contact the bank itself to make a full and final offer, start at a low figure because if the bank sells the debt they will only get between 7 & 16% of its face value + tax relief.
Now being contacted by 3rd debt collecting agency and after reading about their nasty tactics, want to get this sorted out but:
Given the age of this it is likely that the debt has already been sold.

 

You are aware that there is very little indeed a DCA can do to enforce payment in Oz unless they have first obtained a CCJ in the UK? Something which they cannot legitimately do against a non-UK resident.

 

If you still wish to settle only contact them in writing or by email never by telephone. It is perfectly legal for you to withold your postal address and you can deal solely by email or through a third party if you wish.

 

Incidentally, who is the debt collector chasing you?


Anthrax alert at debt collectors caused by box of doughnuts

 

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Hi cerberuaslert

 

Thanks so much for that info..!

Can I just ask - if they still have a UK address and don't know my new address in Aus can they still put out a CCJ on me and then try and enforce in Australia?

 

I don't think I have a CCJ against me in UK as I would've heard about it by now...

 

OK in writing is the way to go direct to the bank - via email I think is best...!

 

The company is Moorecroft Debt Recovery - MDR by the way - read some concerning things about them, hence was worried!!

 

Thanks again

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They cannot obtain a CCJ against a non-UK resident, if they have done it can easily be set aside. As for enforcing in Oz, in most cases it is just not financially viable to do so although they may threaten to in the hope that their subject is gullible enough to pay them.

 

Moorecroft have no authority to chase debts in Oz I doubt if they are even licenced there.


Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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i have similar problem , not sure if i am writing in the right place on this site sorry!

i have hsbc overdraft of 940 pounds in a uk bank account and received a letter from metropolitan collection agency sent on 13th sept and recieved in nz on the 25th sept, wanting the whole sum paid immediately.

I am a new zealand resident and live in new zealand, the hsbc havnt contacted me as they did not have my address which they do

have now, i contacted the hsbc to set up a payment plan and the sent my debt straight to the collection agency.

The collection letter ends "failure to make full payment within 7 days may result in legal proceedings being issued in the country that i reside".

will they take me to court in nz? can they take money from my bank accounts here i do not have the money the pay the full amount, very worried.

thanks to anyone that can help.

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Metro are a wholly owned subsidiary of HSBC in other words its just HSBC's debt collection department.

"failure to make full payment within 7 days may result in legal proceedings being issued in the country that i reside".
It would not be financially worth their while because of the amount owed to try and pursue through the NZ courts. Plus there's a little matter of them first obtaining a UK CCJ which they can't do against a non-UK resident.
can they take money from my bank accounts here
No.

Anthrax alert at debt collectors caused by box of doughnuts

 

Make sure you do not post anything which identifies you. Although we can remove certain things from the site unless it's done in a timely manner everything you post will appear in Google cache & we do not have any control over that.

 

Vir prudens non contra ventum mingit

 

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Thanks again cerberusalert... sooooooooooooooooo helpful!!

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