opos and a very urgent message

[janis6670]

just had a "very urgent" message from the opos office (sounded like the Home Office at first) urging me to call back URGENTLY.

Could this be regarding an old Minicredit loan which I recently disputed on Noddle.

Have I unwittingly sparked their interest

Needless to say I won`t be calling

[BRIGADIER2JCS]

Quite right, never get involved on the phone with these people, if you are unsure what they are chasing ignore until they explain in full in writting.

[drob]

If it's Opos who have contacted you then It will be in reference to Minicredit, I have been going round and round in circles with them for several months. From experience Opos will not answer any emails or letters, however if you do send them a letter by recorded delivery they will reply....

[BanditQueen]

Do not respond to anyone you do not know on your phone or at door and if they insist tell them to stop and only ever deal in writing. If it is that urgent they will write to you. Report them as harassment.

[lookinforinfo]

When you said you had a message from them-was it a text message, email, voicemail or letter please?

[janis6670]

it was a voicemail from a glasgow number but giving a 0844 number to reply to. and hr sounded very official

[Bazooka Boo]

it was a voicemail from a glasgow number but giving a 0844 number to reply to. and hr sounded very official

 

Ha ha 'sounded official' nothing official about these clowns.

 

And don't get into the habit of corresponding with DCA's with recorded delivery, if they can get away with using snail mail 2nd class post, then so can you, just obtain proof of posting from the PO counter.

[janis6670]

had another voicemail from these people. very similar to the last one and they seem to make it sound like life or death

[drob]

Ignore the idiots... do not phone them and if they catch you out and you answer your phone to them do not answer their security questions and tell them that you will only deal with them in writing. Have you sent them a telephone harassment letter yet? http://www.consumerwiki.co.uk/index.php/Debt::_Letter_Templates

[lookinforinfo]

As they have now called you twice you could complain to your local Trading Standards office calling into question their fitness to hold a Consumer Credit Licence.

 

The Office of Fair Trading lay down standards that they expect companies to comply with-the document can be found below-

 

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

 

On page 11 the OFT lay out their definitions of what they consider to be unfair tactics in communication. What Opos are doing is almost exactly what the OFT say they should not be doing-

 

 

Communication

3.2 It is unfair to communicate with debtors, or their representatives, in whatever form, in an unclear, inaccurate or misleading manner.21

3.3 Examples of unfair or improper practices are as follows:

a. use of official looking documents intended to, or likely to, mislead debtors as to their status.

For example, documents made to resemble court documents.

b. leaving out or presenting information in such a way that it creates, or has the potential to create, a false or misleading impression, or exploits a debtor's lack of knowledge

c. those contacting debtors not making clear who they are, who they work for, what their role is and the purpose of the contact

d. sending misleading communications or making misleading statements which may induce a debtor to make contact on the basis of a false or misleading premise

 

 

C and D are the two examples that Opos have breached.

[Bazooka Boo]

Ignore the silly children, and just complain, OFT&TS, also OFcom...then get on with your life.

[janis6670]

Thanks for the support. i will complain and keep you all updated

[bigshoes...bigsocks]

Ha ha 'sounded official' nothing official about these clowns.

 

And don't get into the habit of corresponding with DCA's with recorded delivery, if they can get away with using snail mail 2nd class post, then so can you, just obtain proof of posting from the PO counter.

 

even better is to email, CC your own address and print out when you get the chance... Why pay 50p for a 2nd class stamp?

[BRIGADIER2JCS]

I am frmly of the opinion that e-mail for speed BUT written confirmation by post is the security.

[bigshoes...bigsocks]

I am frmly of the opinion that e-mail for speed BUT written confirmation by post is the security.

 

Is an automated response from DCA that email has been recieved not evidence enough that email has been sent & received?

[BRIGADIER2JCS]

Emmm automated anything when it come to finacial matters is risky think on the banks IT melt downs!!!!

[bigshoes...bigsocks]

Emmm automated anything when it come to finacial matters is risky think on the banks IT melt downs!!!!

 

important letters then yeah send by recorded - but general DCA crap/letter tennis then there's no reason not to e-mail. automated response is as god as a signature evidencing receipt of a letter.

[janis6670]

I have received your email , I am at a loss in what to say, you borrowed funds above and paid nothing back.

 

 

 

I have attached a letter we have sent to you today , I presume the client we represent want the matter heard at court due to your continued default, it’s also been with a previous debt collection agency who you were supposedly meant to make agreement/s to pay back the funds.

 

 

 

We have called you once at work but we certainly will not be calling again if you feel harassed.

 

 

 

I WOULD ALSO ASK YOU AT THIS POINT TO MAKE ANY COMPLAINT WITH OUR GOVERNING BODYS , I DONT THINK 1 PHONE CALL AND 3 LETTER SENT TO YOU WOULD STAND AS HARRASMENT IN ANY COURT.

 

 

 

My clients feel you have clearly took the funds without any intent to give back, we will be supplying the courts with the agreement you took and the statement of your account.

 

 

 

Think you would be best to get some form or representation for the hearing,.

 

 

 

Let us get the matter to your small claims court.

 

 

 

Regards

 

 

 

 

 

This is the reply I had after requesting no urther contact by phone. As Victor Meldrew would say " I don"t believe it!"

[Bazooka Boo]

Is that via email or a letter they sent? Is that verbatim?

 

I would strongly urge you to forward that nice bit of evidence to the OFT&TS tomorrow.

 

Anyone talking to me in such a condescending manner will get short shrift and be in a world of hurt, unbelievable!!

[janis6670]

I have copied and pasted the exact email. How do I go about forming a complaint

[janis6670]

We have receivedno response to our previous requests for payment of£4,001.87 on the above mentioned account.

Wehave been asked to evaluate your file for transfer to a Doorstep CollectionAgent with the intention to visit youat your premises within 14 days in order to recover the above outstandingamount including costs and to assess you at your property.

Itis not too late to avoid this action and even at this stage we are prepared toassist you in resolving this matter. To do so please call now on 08443722459. You can also make immediate payment by creditor debit card via our automated payment line by calling 0844 557 8321.

THis is the attachment also sent with a duplicate of the first email

[intend]

best remove amount so trolls cannot identify you.

 

Intend

[renegadeimp]

Hah they seriously sent that? The OFt would definitley be interested in that little number.

 

Also have a look in the library for info on doorstep collectors. These idiots just drop themselves in it, deeper and deeper each and everytime.

[BASFORDLAD2]

Janis Dont be worried by these fools

 

First of all they wont take you to court, its simply there to scare you. You dont use representation in the small claims court, it wouldnt go to "your small claims court", but the local county court. Talking utter rubbish!

 

With regards to them saying they are going to get someone to come and asses you, what are they going to do?, take a medial , put you in a strait jacket?

 

Just to be on the safe side, email him a copy of the "No door step visitors letters". also advise that if anyone calls you will call the police to have them assessed for removal from your premises!

[huggy41]

god i'd love to get an email like that.