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    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Scotcal have just knocked on my door


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Hey,

 

I have just come home from work and found a hand delivered note from Scotcall to say that they have just tried contacting me again about some money I apparently know on a couple of old mobile phone accounts..

 

There is a phone number and a polite but firm note telling me to call them urgently or else (paraphrased the letter)

 

Is this allowed ? the note suggests that they will be back later...

 

I dont know a great deal about the law however am I in my rights to tell them to go away etc?

 

Any suggestions on how to handle them?

 

Thanks

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You have ABSOLUTELY NO OBLIGATION TO DISCUSS ANYTHING WITH AN INTINERANT SO CALLED DOORSTEPPER FROM SNOT CALL OR ANYONE ELSE!!

IF it calls again invite to leave immediately.

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Hey,

 

I have just come home from work and found a hand delivered note from Scotcall to say that they have just tried contacting me again about some money I apparently know on a couple of old mobile phone accounts..

 

There is a phone number and a polite but firm note telling me to call them urgently or else (paraphrased the letter)

 

Is this allowed ? the note suggests that they will be back later...

 

I dont know a great deal about the law however am I in my rights to tell them to go away etc?

 

Any suggestions on how to handle them?

 

Thanks

 

If it were me, I would ring the number and ask what it was about, if you do not want him to call tell him so, and take it from there. They have no more rights than any other caller to your house.

 

But it is as well to find out what they want so that you can deal with it IMO.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Are you aware of these debts / possible debts? If you are, have you acknowledged them in writing or made any payment towards them in the past five years?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Most Certainly do NOT contact this person by phone ever, their sole aim is to extract payment under the guise of helping you 'settle' the ALLEGED Debt.

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!

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There is a problem with avoiding contact, as it may appear that you are intentionally trying to avoid the issue. If there is a debt, they need to prove that, and then you can work towards a solution; if it is a mistake, it also needs resolving.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Most Certainly do NOT contact this person by phone ever, their sole aim is to extract payment under the guise of helping you 'settle' the ALLEGED Debt.

 

This would be the ostrich debt avoidance measures I presume.

 

How on earth can you dispute the debt if you do not know which debt they are referring to. Yes their sole interest is to extract payment form you, helping you settle a legitimate debt is helping you, you are not going to stop that by avoiding them.

 

Not to say that you have to deal with it on your doorstep if you do not want to, but there is nothing wrong with telling them to use an alternative method of contact, and at least then you will know if it is a legitimate claim.

 

The other option as prescribed here is to not answer the phone or open your mail for the next six years.

 

Dodge

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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This would be the ostrich debt avoidance measures I presume.

 

How on earth can you dispute the debt if you do not know which debt they are referring to. Yes their sole interest is to extract payment form you, helping you settle a legitimate debt is helping you, you are not going to stop that by avoiding them.

 

Not to say that you have to deal with it on your doorstep if you do not want to, but there is nothing wrong with telling them to use an alternative method of contact, and at least then you will know if it is a legitimate claim.

 

The other option as prescribed here is to not answer the phone or open your mail for the next six years.

 

Dodge

 

No this is not the Ostrich approach this the approach to keep everything in writing.

 

Never contact a DCA by phone unless you can record a call.

 

I would wait until they send you a letter with more details

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If they want to see what the debt is then it must be done in writing. One thing about scotcall, they dont chase valid debts.

 

Never EVER telephone them unless you have the ability to rwcord the call and are strong willed enough to call them out on everything they say.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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This would be the ostrich debt avoidance measures I presume.

 

How on earth can you dispute the debt if you do not know which debt they are referring to. Yes their sole interest is to extract payment form you, helping you settle a legitimate debt is helping you, you are not going to stop that by avoiding them.

 

Not to say that you have to deal with it on your doorstep if you do not want to, but there is nothing wrong with telling them to use an alternative method of contact, and at least then you will know if it is a legitimate claim.

 

The other option as prescribed here is to not answer the phone or open your mail for the next six years.

 

Dodge

 

So, because somebody posts a bit of paper through your door telling you that you owe money, you call that a legitimate debt. I'm sorry, but that is PATHETIC advise.

 

The OP in post 1 says ' some money I apparently know (I presume he means owe)'

 

WHY would anybody ring a debt collector and why would anyone advise him to ring a debt collecter with NO proof the OP owes anything.

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I have unapproved some posts that are not relevant to the op

 

No more of these posts will be tolerated.

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If a phone call is to be made in order to be seen not to be a debt avoider, yes, ideally it should be recorded, and all one should say is, "A card was left through the door of No1 St Hiilary's Road, Blessim on Sea yesterday. If you have any information regarding the card, please put it in writing to the address. Goodbye"

 

Nothing more, nothing less - don't get drawn into conversation as, even if it is being recorded, it is hard to think on your feet - writing gives you evidence and time to think and research.

 

Edit: As someone new here, I have to comment on the link when you hover over 'head in the sand' - I like it lol!

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Pointless call as they will ask you to confirm your security details and you do not have a clue who you are speaking to.

 

And at 6 pence per minute at least to yourself, it is a cost i can do without.

 

If they really want you they will write to you with some substance as too what they want.

 

I get 3 emails every day supposdely from dhl saying they have a delivery to call them on 0845 etc are you saying i should call them?? Erm no its a con.

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I get 3 emails every day supposdely from dhl saying they have a delivery to call them on 0845 etc are you saying i should call them?? Erm no its a con.

 

No, if you're getting 3 emails a day you know are from DCA's purporting to be DHL, I would be reporting them.

 

In terms of it being a pointless call, if recorded (it will show on your phone bill anyway), you at least have proof you are not ignoring. There is actually no harm in asking why they called if you're more confident, and establishing what the issue is. If they state it's a debt, as they will with it being Scotcall, then it's time to say everything in writing then please for the avoidance of doubt. You then have the backing of the OFT Debt Collection Guidelines on your side to back up your request and the tables are turned.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Or just ignore scotcall, as they cannot and will not do anything apart from beg and plead.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Out of interest, what figure are we talking about from the old phone contracts Scot?

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BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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No this is not the Ostrich approach this the approach to keep everything in writing.

 

Never contact a DCA by phone unless you can record a call.

 

I would wait until they send you a letter with more details

 

I don;t think it would be pointless, if someone knocked on my door i would want to know why.

 

If they want security details and the OP does not want to give them to him over the phone he should say so, if he does not want him to call again he should say so.

 

The only way to resolve these matters is to communicate, it is sometimes difficult but from experience I have found that once it is done and out of the way you feel better, much better than worrying about the unknown knock at the door.

 

At any rate I wold want to know if the debt which I was accused of owing was legitimate.

 

I understand that talking to these people is sometimes difficult, and if this is the case here there are agencies that can make the call for you.

 

CAB or national debt-line are two that spring to mind

 

Dodge

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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If they want security details and the OP does not want to give them to him over the phone he should say so,

 

Correct.

 

if he does not want him to call again he should say so.

 

yes, IN WRITING. Not over the phone where there is no evidence or written confirmation, especially to a random caller you have never talked to or do not know.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes, any call would be purely to make initial contact, NOT to get into any discussions. You would state there and then that you want communications only in writing and will not discuss the matter over the phone, as is your right under the OFT Debt Collection Guidelines. That would be it.

 

If they were to ignore, and keep phoning you, it could be construed as harassment and lead to this (a case from just a month ago):

 

http://www.bailii.org/ew/cases/EWCA/Civ/2013/882.html

 

It makes for good reading, and proves what can happen when you just keep repeating your position that you won't discuss things over the phone. If they ignore, they pay! However, you do have to answer the phone.

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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It depends on the situation, if the OP is convinced that these are not his debt, I would ring and identify the fact and insist I was removed form their call list, that may well just be an end to it.

 

If not then you can take it from there.

 

|Dodge

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Its far better to put it on writing. By phone they will ignore you or state that the person who answered didnt have authority to make any agreements. Weve seen it over and over which is why we say to get everything in writing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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In my experience they are usually suitably grateful to have the false lead recognized , they cannot make any money out of pursuing the wrong person of course.

 

As said previously, rightly or wrongly DCA embark on fishing expeditions when they do not have all the debtors details, they realize that they are going to get some false hits. You do yourself no favors by not informing them that you are one of them, the phone will just keep ringing and the letters will just keep coming.

 

Dodge

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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