1st Credit

[AceDaz69]

Hi

 

I received a letter today at my works address saying that 1st Credit are attempting to contact NAME

 

If you are the person then ring us for more info

 

If you are not then please ring so we can correct our records

 

If we do not here from you within 10 days of issue then we will assume that you are the individual we wish to contact and will of course ensure that all relevant corespondance is sent to you

 

 

Any ideas what to do?

[BRIGADIER2JCS]

Hi, if it was addressed to your work place

that is totally wrong and breaches Office

of Fair Trading Guidance, if there is a return

address on the back of the envelope reseal

it and return it to them with out any

more comment.

The whole thing breaches the guidance rules

especially as some companies open all mail,

this could be very embarrassing.

[whyme-agen]

Phishing trip, ignore for now.

 

They're not supposed to 'assume'

[AceDaz69]

Should I write anything on it apart from their address?

 

Hi, if it was addressed to your work place

that is totally wrong and breaches Office

of Fair Trading Guidance, if there is a return

address on the back of the envelope reseal

it and return it to them with out any

more comment.

The whole thing breaches the guidance rules

especially as some companies open all mail,

this could be very embarrassing.

[AceDaz69]

What do you think of BRIGADIER2JCS answer? Best post it from same town lol

 

Phishing trip, ignore for now.

 

They're not supposed to 'assume'

[BRIGADIER2JCS]

Its not going to get postmarked in the usual

way I think, I doubt it matters where it's posted.

So just the return address with a large ?

Brig.

[AceDaz69]

I've also had a email off them sent to my personal email address asking me to ring a number or reply to the email.

 

I'm confused where they got my works address from, there has only been one thing that went to my works email and though I have been complaining to that company - more about not collecting things, I have never missed a payment as it's paid by Direct Debit that always gets paid.

[BRIGADIER2JCS]

Hi, Who is the Original Creditor ??

[AceDaz69]

They haven't said as yet, I'll send you a PM.

[BRIGADIER2JCS]

OFT Guidance July 2003 updated December 2006

Sect. 2.2 © contacting debtors, not making it clear

who they are, who they work for,what their roll is,

and the purpose of the contact is. ALL this is unfair.

Sect.2.1 (g) Disregarding a debtors legitimate wishes

in respect of when and where to contact them.

Sect 2.6 (j) Acting in a way likely to be embarrassing

to the debtor, contacting at work.

 

Might help if you complain to the OFT and in a letter

to the DCA

 

Brig.

[Undercover-Elsa]

Do you have any debts with Halifax? They've recently bought a bundle of them.

Ununusual to approach your work first...have you moved house? Nonetheless they should not take this approach.

They will usually write again if they hear nothing, I'm afraid... Ist Cred are very persistant.

[AceDaz69]

An AQUA Credit Card, which i believe is part of Halifax. But this is not in arrears at all, i don't use it much and the Direct Debit is paid on time. I spoke to them last month and everything was fine.

 

Have they bought from anywhere else?

 

What are they like at dealing with / Agreeing a payment plan or a F and F agreement?

 

I haven't heard of anything that has been passed on from any of my creditors.

 

 

Do you have any debts with Halifax? They've recently bought a bundle of them.

Ununusual to approach your work first...have you moved house? Nonetheless they should not take this approach.

They will usually write again if they hear nothing, I'm afraid... Ist Cred are very persistant.

[AceDaz69]

Oh and not moved house for nearly 5 years lol.

 

Do you have any debts with Halifax? They've recently bought a bundle of them.

Ununusual to approach your work first...have you moved house? Nonetheless they should not take this approach.

They will usually write again if they hear nothing, I'm afraid... Ist Cred are very persistant.

[Undercover-Elsa]

No doubt they will have bought from other companies..but the HBos portfolio was a recent big purchase. Odd because the were censured by the OFT last year for using Stat Demands willy nilly as debt enforcement tools...and Halifax withdrew their account at that time.

 

This may also be mistaken identity of course. Do a Google on your name.

[AceDaz69]

Be interesting when they start sending info. I'd like to know.

 

But won't they continue to send at my works address !? Lol

 

No doubt they will have bought from other companies..but the HBos portfolio was a recent big purchase. Odd because the were censured by the OFT last year for using Stat Demands willy nilly as debt enforcement tools...and Halifax withdrew their account at that time.

 

This may also be mistaken identity of course. Do a Google on your name.

[BRIGADIER2JCS]

You have the right to insist

that they stop contacting you

at work, only contact you in writing

no phone calls,e-mails or texts.

Put it all in a formal complain

with the extracts from the OFT

guidance and send it to their

Compliance Manager.

[Undercover-Elsa]

Probably. Its your call whether to tough it out and ignore (depending how embarrassing or difficult it is to get them at work) and see what they come up with next, or take the bull by the horns, write and play hell, saying you have no idea why they are trying to contact you, and can only assume that they have got the wrong person, but that you have taken advice and it is clearly against OFT guidelines to contact anyone at their place of work without their express permission and you will be reporting their actions to The Office of Fair Trading /Trading Standards.

[Undercover-Elsa]

Snap Brig

 

 

Here's some mouth watering OFT Guidelines I prepared earlier...

oft-debt-collection-guidelines.pdf

[BRIGADIER2JCS]

Hi Elsa, I pulled a few relevant

sections out earlier, I have to

type then in as I just can't get

links to work or docs to upload

or attached.

[Undercover-Elsa]

What browser are you using, Brig?

[BRIGADIER2JCS]

Google Chrome at present Elsa.

[Undercover-Elsa]

Hmmm, sounds like a browser issue. If you look at tools is there an option for compatability mode? Failing that you could try installing Firefox. I'm on Explorer 8 and fine now, but t first I had to use cimpatability mode.

[Undercover-Elsa]

Sorry for typos, happy hour! Just about to have my supper so night night xx

[BRIGADIER2JCS]

Thanks Elsa, it could be just me from

the quill pen and parchment era,

or that my position means that someone

else has always been around to sort

things out.

I will give all a try tomorrow, thank you

for your advice:madgrin:

[AceDaz69]

Found out who it is for, a credit card which have been difficult to deal with and finally started ignoring my letters. Last one I sent was a few months ago for a copy of a phone call back in February which pointed out they were in the wrong. Needless to say they ignored this request.

 

I have been getting phone calls at home & mobile and have had 3 texts off them on my mobile.

 

They have sent a letter, again, to my works address stating what it is for and that they demand me to contact them to arrange payment.

 

What's the next step?