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Have you received a letter or card asking you to make contact - or that there is a parcel for you?


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Have you received any kind of communication asking you to make contact because there is a parcel for you - or for some other unexplained matter?

 

We would like to know about it.

 

Such contacts are illegal under the FCA conc regs - specifically - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers

 

Here is an example of card left by APS. It breaches FCA regulations in a number of ways.

 

We would be very interested to see other examples of this kind of contact.

Please post up your letters, cards or other examples in this thread

 

Please note that we are talking about debt collection messages here. Not viruses or spam

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Morning BF. As you’ll know from another thread, there is some HFO history related to this type of collection tactic.

 

Initially, around 2006, they issued fake delivery cards from an HFO-associated company called First Direct Logistics – see here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?53765-Capquest-First-Direct-Logistics-Concilian-Group/page2

 

The OP has confused the source of the cards, as it’s not Capquest but HFO. A quick Google will find many similar threads.

 

HFO got caught out on this but they didn’t give up. They launched another outfit called Siverpoint – see this thread.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?278901-Silverpoint-delivery-service-card-in-your-door-HFO-Services

 

Naturally, we pretty soon caught them out and encouraged victims to go to the OFT with a complaint.

 

Some of this predates the CPUTR legislation, and the FCA regs, but it shows that it pays to be vigilant – HFO are currently appealing the OFT’s decision to revoke their licences, and evidence of this kind of behaviour played a significant part in the OFT’s decision.

 

Although these cases are historical, they explain clearly the background and why such tactics are unfair, and why such instances MUST be reported to the FCA.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

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Really... This APS issue still kicking? I noticed it on another thread that I had commented on... I agree that its not right...

I have a question though, what if you were to refuse delivery of such a package if they turned up ^__^

 

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Well now there is a direct right of action under the CONC rules.

If you receive misleading or non-specific communications from companies which are trying to trick you into making contact, they are committing a breach of the FCA conc regs.

 

For example, IND use APS and you have seen their card.

IND claim on their website - http://www.ind.co.uk/ that part of their values is

 

 

Fairness

 

IND is a fair and responsible debt collector

providing absolute clarity to individual debtors

at each stage of its debt collection process.

 

 

 

It's strange because from what I have been reading, this doesn't seem to be quite correct.

 

They also claim to satisfy

all regulatory standards.

 

 

 

Surely, the use of this form of contact by IND's agent APS breaches these regulatory standards

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I think that we should do whatever we can now to highlight companies which use misleading tactics and which breach the FCA regulations.

 

It should be entirely possible to bring a small claim against any company which does so, for a modest amount - say, £50 in order to obtain a judgment which can then be passed to the FCA as the basis of a complaint.

 

This would be much more effective than reporting it to the FCA or to CAB for some quiet soft-touch word-in-your-ear regulation.

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BF, the CONC link won’t work for me...

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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I'm not sure why. It works for me and I can see that many other people have visited it

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Weird. Says I don’t have permission to access that page, but I can access all other links.

“The industry is rotten to the core, whether it is in-house recovery and collection, or where agents are used, or where the debt has been sold.” Andrew Mackinley MP, House of Commons, 22 April 2009

 

If a Cagger helps you, click their star. Better still, make a donation however small, so that CAG can continue to help others.

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The printed x's in the option boxes is a dead give away, is the courier really carrying around a printer with him.

  • Haha 1

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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The printed x's in the option boxes is a dead give away, is the courier really carrying around a printer with him.

 

What a brilliant point. I hadn't clocked that one at all.

 

Thank you.

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The printed x's in the option boxes is a dead give away, is the courier really carrying around a printer with him.

 

They'll probably claim that they carry copies of all possible pre-printed variations!

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That would need six sets of cards. I don't think that anyone would believe it.

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That would need six sets of cards. I don't think that anyone would believe it.

 

No, they would need eight:

 

No one was at home/letter

No one was at home/letter/signature required

No one was at home/parcel

No one was at home/parcel/signature required

No access to building/letter

No access to building/letter/signature required

No access to building/parcel

No access to building/parcel/signature required

 

I'll get me coat....

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Well - I get the point but as far as I can see, on the number of tickbox combinations, there are 6 combinations. I think that the bottom three are simple alternatives -

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No, they would need eight:

 

No one was at home/letter

No one was at home/letter/signature required

No one was at home/parcel

No one was at home/parcel/signature required

No access to building/letter

No access to building/letter/signature required

No access to building/parcel

No access to building/parcel/signature required

 

I'll get me coat....

 

One less than that, unless it was an oversized letter that didn't require a signature that wouldn't fit through the letter box when no-one was at home ...

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Looks like there are lies, damned lies - and APS calling cards

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  • 2 weeks later...

Yesterday I received a letter with a card in it. It read

This is only for carefully selected individuals...

 

 

web site is personal-invitation it is a co dot uk

 

 

Please visit as soon as you can

You must not miss this opportunity

It went straight in the bin, but I fished it out in case this is of interest.

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Sorry, the site would not let me put the web address as on the card, so I spelt it out.

Also I don't know why it put the chain and underlined interest. It looks like a link, but was not something I intended

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Do you think that it came form a debt collector?

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Difficult to tell. I normally bin anything anonymous.

It's only the fact that the CAG email came out today asking about it and that it was still relatively accessible.

No way am I going to go to the site to check.

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Really... This APS issue still kicking? I noticed it on another thread that I had commented on... I agree that its not right...

I have a question though, what if you were to refuse delivery of such a package if they turned up ^__^

 

 

i think the clue is that the postman brings it posted as a letter. not a guy in a van

:???: what me. never heard of you never had a debt with you.
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Please don't forget we are talking Debt Collection issues here, not general spam e-mails.

 

Ta :-)

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Have you received any kind of communication asking you to make contact because there is a parcel for you - or for some other unexplained matter?

 

We would like to know about it.

 

Such contacts are illegal under the FCA conc regs - specifically - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers

 

Here is an example of card left by APS. It breaches FCA regulations in a number of ways.

attachment.php?attachmentid=51517&d=1402468536

[ATTACH=CONFIG]51517[/ATTACH]

 

We would be very interested to see other examples of this kind of contact.

Please post up your letters, cards or other examples in this thread

 

 

Who's to say it was a spam email or debt collection letter i received?

You ask for copies of requests of parcel collections you receive - I dont know if its debt collection or spam email!

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Hi

 

This happened to me recently at work. I owed some money on an old Capital One account and it had been moved to debt company called Frederick LTD. They some how got my work telephone - I work as a civil servant and I am not allowed personal calls at work as I work in a customer focused area - they left a message for me stating that a 'parcel was waiting to picked up - from Fed X ' when i contacted them it was an obvious [problem] and it was the debt company. I have also received a letter / card at the home the same day when I returned later that day.

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