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john henderson

How to stop harassing phone calls from all debt companies

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I had a call harassment problem with the Robinson Way debt collection company (and a few others) and was called by the most discourteous woman I have ever had to listen to on a telephone. The way she spoke so demeaning to me, absolutely infuriated me. How could any one speak in such a manner is beyond me, and the fact that the companies find it acceptable, shows their distinct lack of courtesy and empathy towards any one in debt. The companies called so often and at the most infuriating times that you can not help but get angry, annoyed and upset.

To stop them ever calling you again, you need to do the following…

This solution worked for me. I did however receive a letter from Robinson Way saying they would not be approaching me again, and would be following the FSA rules and guidelines when contacting me in the future.

 

 

Solution:

1. The debt collector must have called at least a few times. Try to not lose your temper with them and avoid giving them any details and answering any questions.

2. Always ask the caller who the company is they are representing and what it is they want, but do not give them your details.

3. Tell them they should only contact you by writing.

4. When they do call on the fourth attempt, they will ask for confirmation of your name and date of birth. Do not give them your details.

5. Ask for the caller’s full name and position within the company and how they got your number.

Tell them under no circumstances must they EVER call this number again as this is a private number and that you feel they are harassing you.

They will say they are not harassing you, but you make it very clear that you are being harassed by the company and the caller.

 

6. Tell them that you know that this call is being recorded and that you will use it as evidence of the phone harassment by contacting the FOS (Financial Ombudsman Services) and the FSA (Financial Services Authority). You can tell them that you have logged their times of calls too.

7. Tell them to enter your complaint of phone harassment on to your so-called record for future dealings with the FOS and FSA.

8. Ask them if they have written down the complaint.

 

9. Make it very clear to the caller that, if they or any member of the company calls this number again you will initiate a complaint with the FSA immediately.

10. Say Good Bye and hang up.

To finalise:

 

The above worked well for me because the debt collection companies do not like being investigated by the FOS or the FSA. Investigations by the FOS or the FSA on site can take weeks/months and the companies lose a lot of money due to the time spent investigating hundreds of recorded calls and paperwork. Unfortunately for them, this usually unearths even more of their misdemeanour's and they are then fined in the hundreds of thousands. So your little debt and mine are insignificant compared to the possible fine the company will receive.

That is why the recorded message is to our/your advantage. I only know all this because I have a friend who works in the industry and has told me every thing i should do regarding my debts. Hope it works for you :-D

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It is my pleasure and thanks for having me, unfortunate for me I have had a lot of dealings with these debt collection companies. We should not be frightened of them at all, "they cant have what you haven't got", thats my saying. I will leave some more interesting advice as I get the opportunity or am asked to do so.

 

Thanks again

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I am waiting for news about an iva plan with barclays which they have ignored so far cab have told me not to be in contact with them all I get is threatening letters of barclays and phone calls my solution is get barclays landline number and divert there calls back to them

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