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Direct Legal and Collections - Harassment?


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I apparently owe Black Horse around £2500 for a car which was stolen,

the insurance paid out on about 3 years ago but the amount paid by the insurance fell short of the amount owed by the £2500.

 

A company called Apex Credit Management wrote to me about the amount.

I told them the alleged debt didn't exist.

There was then some email communication which ceased around 5 weeks ago.

 

I then received a letter from DLC saying I now owe them the amount and should pay within 7 days.

Today, I have had a phone call which I ignored, a voicemail which I also ignored,

and my colleague at work has said she has taken a call from them stating it was a "private call and matter" leaving her a reference number and a phone number for me to contact them.

 

I'm on annual leave until next week. This stuff could cost me my job.

 

Am I right in saying it is unreasonable by the OFT guidelines in debt collection for DLC to contact you at work? And therefore do I not have grounds for complaint?

 

As an aside, my credit file actually says that until 8 months ago my account with Black Horse was up to date?? So why all of a sudden try these tricks?

 

Any advice greatly appreciated.

 

D

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Has the debt been sold or is the DCA just managing the account?

You need to use the telephone harassment letter from the CAG

library and send it to the DCAs Compliance Manager recorded

delivery.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Has the debt been sold or is the DCA just managing the account?

You need to use the telephone harassment letter from the CAG

library and send it to the DCAs Compliance Manager recorded

delivery.

 

I think it has been sold.

Me v Barlcays Bank - Claim Stayed

Me v Jaguar Cars 1 - Won £1650

Me v Jaguar Cars 2 - Winning

Me v London Borough of Newham - Won, Warrant of Execution live

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Share on other sites

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter send the clowns that.

 

Then report them to the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

And make a formal complaint to Ofcom about their abuse of the communications network, and inform your network provider and go through their malicious calls procedure.

Even let your local MP know and have them raise the issue of this continued harassment by DCA's who are powerless to do anything, in the house of commons..

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Follow Boos advice you can't go wrong.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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