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Hi everyone and thank you for your help.

 

A relative who uses our address as a postal address, and who we have not heard from in months, is starting to fall quite badly into debt judging from the large stack of letters arriving for him each day. Unfortunately we do not have so much as a telephone number for our relative as their phone has been disconnected.

 

Dad runs a business from home and we have two phone lines because of this. However, one of the phone lines was unused until a few days ago when he connected it again to start using it. Since then we have received seven or eight calls a day from a debt collection agency asking for our relative.

 

The people on the other end of the phone are usually very rude and will not say who they are or why they are calling. We only know it is a debt collection agency from googling their phone number. Although dad tries to explain each time they call that the person they are asking for is not at this address we are given a hostile response and told they will keep calling. We are told that they will not remove our number as it is the number our relative gave to them. On one occasion, when I asked for our number to be removed from their records I was told 'no problem' but the phone calls continued regardless. They are beginning to consume a lot of time and are becoming a real nuisance.

 

I know that the OFT Debt Collection Guidance sets out certain rules and that if the DCA in question were getting through to our relative they would be breaking many of them. The problem is that the OFT guidance refers throughout to 'the debtor' and in this case we are not the debtor. Does this mean that things set out in the OFT guidance do not apply to us? For example, they do not have to respect our request not to be contacted by telephone as it is not 'the debtor' making the request?

 

Does anyone know of any other regulations or guidance that apply to our situation and mean we can stop these nuisance calls? We are also fearful that, given the letters and phone calls, a visit from a bailiff will not be far behind. Should we have a statutory declaration prepared that states our relative neither lives nor has any possessions at the property in case this occurs?

 

Once again thank you for your help.

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Hi OstrichOmelette, and welcome to CAG!

 

Have you written to them telling them your relative is not at the address and the telephone number is not his? That is the first thing you should do; send it recorded delivery and check with Royal Mail online to see who signed for it.

 

You can certainly report them for harassment but it will be a stronger complaint if you can show a copy of the letter you have sent asking them to desist from making these calls.

 

In the meantime you can try blowing a loud football whistle down the phone whenever they call. That won't be very nice for them at all!

 

DD

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just to be clear

 

DCA's ARE NOT BAILIFFS

 

they have NO SUCH LEGAL POWERS

 

they certainly CANNOT send bailiffs around

and any silly doorstepper that DOES turn up

 

can quite lawfully be told to go do one.

 

they have NO LEGAL POWERS whatsoever.

 

as for the phone calls.

 

time to complain to the OFT

 

there is also an ICO link on their website to report these calls

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi everyone and thank you for your help.

 

A relative who uses our address as a postal address, and who we have not heard from in months, is starting to fall quite badly into debt judging from the large stack of letters arriving for him each day. Unfortunately we do not have so much as a telephone number for our relative as their phone has been disconnected.

 

Dad runs a business from home and we have two phone lines because of this. However, one of the phone lines was unused until a few days ago when he connected it again to start using it. Since then we have received seven or eight calls a day from a debt collection agency asking for our relative.

 

The people on the other end of the phone are usually very rude and will not say who they are or why they are calling. We only know it is a debt collection agency from googling their phone number. Although dad tries to explain each time they call that the person they are asking for is not at this address we are given a hostile response and told they will keep calling. We are told that they will not remove our number as it is the number our relative gave to them. On one occasion, when I asked for our number to be removed from their records I was told 'no problem' but the phone calls continued regardless. They are beginning to consume a lot of time and are becoming a real nuisance.

 

I know that the OFT Debt Collection Guidance sets out certain rules and that if the DCA in question were getting through to our relative they would be breaking many of them. The problem is that the OFT guidance refers throughout to 'the debtor' and in this case we are not the debtor. Does this mean that things set out in the OFT guidance do not apply to us? For example, they do not have to respect our request not to be contacted by telephone as it is not 'the debtor' making the request?

 

Does anyone know of any other regulations or guidance that apply to our situation and mean we can stop these nuisance calls? We are also fearful that, given the letters and phone calls, a visit from a bailiff will not be far behind. Should we have a statutory declaration prepared that states our relative neither lives nor has any possessions at the property in case this occurs?

 

Once again thank you for your help.

 

Hi ,

Return ALL letters to the senders MARKED GONE AWAY hand them to your postman with a letter stating '' Mr xxxx xxxx is not resident at xxxx xxxx xxx Royal Mail are requested to return all mail addressed to this person and must not attempt to deliver such mail to this address.

You can instruct the ''callers'' that this person does not reside at the address and is not the owner of the phone number they are calling and require them to remove the number from their records and if they fail to comply you will refer the matter to the relevant authorities as harassment.

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

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Complain to the OFT,

 

And go through your phone providers malicious calls procedure, also lodge a formal complaint with OFCom regarding the misuse of the communications network.

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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