Northern Debt Recovery and Others

[Jamesx81x]

Hi

 

 

Has anyone received letters and emails from these people and other DCA's containing things such as:

• We will take money from your wages
  
• Bailifs will call and take goods from your home to 9 times the value of your debt
  
• Recovery agents will visit every address they have on file
  

If so do not be taken in by them as they are breaching the majority of the OFT's Debt Collection Guidance and they cannot legally do what they state.

 

No further action can be taken against you as suggested above unless a county court order is first obtained then non payment follows afterwards. Then they must have also issued you with a valid default notice before taking legal action in the first place.

 

Where possible ignore them and deal with the original creditor as what these people will tell you is just not true and they un-neccesarily worry people for no reason.

 

On that NDR and other DCA's seem to think they can carry on getting away with providing incorrect information and harassing people in anway they can.

 

The first link is for the OFT's Debt Collection Guidance so you can see what a collection agency should and should not be doing:

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

The second is to the sticky within this section that gives you the form to make a complaint to the OFT. The more people that do so the better as they act upon mass complaints:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?195265-Complaining-to-the-OFT

 

Finally the following link to find your local MP. Make a complaint to them over the practices you have experienced from certain DCA's and again the more they are made aware of this the more chance of something been done:

 

http://findyourmp.parliament.uk/

 

Do not let these people treat you like they think they can and get away with it. The bottom line is they cant and the more people that complain the better. USe the tools that are available and work towards bringing rogue companies into line.

Edited April 16, 2012 by Jamesx81x