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Sigma Red aggressive phone calls


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Hi,

This is actually about my mum.

 

 

Last year we realised that my mum had alzeimhers and

she has now moved into assisted living where she is doing really well.

 

 

One of the things she did before we realised she was ill was keep buying things in catalogues and hoarding them.

 

 

I contacted them all when she moved and we cleared off the debt.

I look after my mum as my dad has died.

 

 

Now she got a letter at her new housing from Sigma Red saying there was an outstanding balance from JD Williams

(I didnt realise there was multiple debts to this firm as they have different brand names).

 

 

They were horrible saying she had to pay it off immediately or still be taken to court.

I took over and became a named person on the account.

I said we would agree a repayment plan and that it what we did, of 3 monthly payments of £100 then one last of 30.

Sorted. Or so I thought.

 

 

I gave my bank details as all my mums money goes towards her upkeep.

I just wanted her not to worry about it.

 

 

They rang her the same day demanding payment.

I ring up again very upset, as we had agreed a repayment plan and they were bullying an ill woman.

They took all the other contact numbers of their system and rang her to apologise.

 

 

So the first repayment was due on the 26th via DirectDebit and I wanted to be able to show my mum the payment as it had been upsetting her.

No payment was taken.

 

 

I rang up my bank who said the dd was active but no money had been requested.

I rang them and they said terribly sorry there has been a problem with our system, its showing the payment wasn't honoured.

 

 

I said look I'll pay you the £100 now if you cancel the inaccurate dd and i'll ring to pay each month because this is clearly not working.

Did so and had the operators assurance everything had been cancelled and even got a lecture that I had to remember to pay.

Great. Showed mum, no more worries

 

Then three days later they take £100 out of my account via the dd.

This puts me overdrawn and I only notice over the weekend when my card declines in the supermarket.

 

I finally got through on Monday and they said they would issue a refund of £100 plus charges but no sign of this.

I am loathe to ring AGAIN as it takes forever to get through.

 

 

Just wondering if anyone else has dealt with them and are they just incompentent?

 

 

Thanks

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IF they have taken a DD then call it back via your Guarantee!!! :/

Stay off the phone! If they contact anyone , just say in writing.

 

Your mum classifies as a vulnerable person. You need to put that in writing.

Sigma Red are extremely poor in the way that they deal with things. Do you have Power Of Attorney? If so send a CCA request for a £1 on her behalf.

Also try looking at Noddle (Offshoot of Callcredit, Free Credit Reports)

 

Set a standing order up and get their bank details. You pay them when YOU can, not the other way around.! You only do this AFTER they confirm they have a CCA.

If they dont, you dont pay!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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I would advise you STOP RINGING DCA's

they are NOT BAILIFFFS

and have

NO SUCH LEGAL POWERS WHATSOEVER.

 

 

you have ofcourse sent everyone a CCA request

 

 

to check they have the legal RIGHT to even demand payment?

 

 

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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My bank said they couldn't do anything to call the dd back which i thought was wrong? I didn't ask for a CCA as i believe it to be a real debt. I don't know what to do about chasing back the £100 though. Tbh, i could do with the money - if i could have afforded to pay more I would have done.

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Yes it is wrong!?!?!? Who is the bank in question? The DD Guarantee is there for a reason?

Its time to use it! Log an indemnity claim! You are entitled to an Immediate refund from your bank or building society (Realistically 24 hours)

 

You can get your money back!

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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Just because they are asking for money does not mean that you owe it

 

A CCA reguest will cost £1

What do you think the debt collector will do to you?

 

They are not bailiffs and have no powers

A SAR may help to but that is £10

 

Time for you to take controll not them

If i have helped in any way hit my star.

any advice given is based on experience and learnt from this site :-)

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did you receive a LETTER from red stating on DD/MM/YYYY

that £100 would be taken from XXX account.

 

 

if not LLoyds MUST refund under the DD guarantee.

 

 

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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If you intend dealing with them this way ask for their banking details and set up a standing order. You are in control not them, Also TELL Lloyds to cancel the DD and ban them from setting it up again without your consent.

 

 

CCA then wait

If I have been of any help, please click on my star and leave a note to let me know, thank you.

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Just an update, Lloyd's refused to help as they said there was no claim for indemnity as I didn't ring up on the day it was taken out. So no refund from the company and I'm still overdrawn so incurring charges, plus have no money! In feeling quite hacked off about the whole thing.

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what utter RUBBISH

there is no remit that the DD guarantee must be cancelled on the day it was taken out.

 

 

you really need to talk to a supervisor

 

 

you seriously need to quote them this:

 

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/27/27-directdebit-guarantee.htm

 

 

http://www.bacs.co.uk/bacs/businesses/directdebit/collecting/pages/customersrights.aspx

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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Royds are the worst, once you have reclaimed the money back off them, then please vote with your feet and close your account and move elsewhere.

 

How are you getting on with the refund?

 

And the CCA request?

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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Yeah... Lloyds are known to claim that, but its your rights under the DD Guarantee :)

 

 

Total agree with fkofilee.

 

I tend to find that banks often try to fob customers off by implying that somehow the customer is at fault.

 

I once bought an item from a very well known company on the internet. 8 months later the web site was hacked and customer details, including mine, were stolen and fraudulently used.

 

When I complained to my bank I was initially told that it was MY fault as I had freely given my details to the web site that was hacked.

 

It was only after I complained in writing was I advised that the money had been returned to my account.

 

Yes, banks will try and wriggle out of anything !!!1

 

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Well I rang up Lloyds,

 

 

said I had taken advice and

 

 

magically the money was returned to my account within three hours.

 

 

I had given up trying to deal with the collection agency after being on hold very time for 30 mins.

 

 

Then on Friday a refund appeared in my account from them as well!

 

 

So now, I need to get the CCA,

 

 

then set up a standing order so that I can pay them.

 

 

I can't tell you how helpful you all have been,

 

 

its one thing thinking that you are right but when people are reinforcing that it gives you the impetus to carry on.

 

 

Thanks a million and Merry Christmas xx

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If they cant provide a compliant CCA, then don't pay them :) Well done :)

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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well done glad to help

 

 

please don't pay if these people don't hold the agreement

 

 

cca them

 

 

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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Well I rang up Lloyds,

 

 

said I had taken advice and

 

 

magically the money was returned to my account within three hours.

 

 

I had given up trying to deal with the collection agency after being on hold very time for 30 mins.

 

 

Then on Friday a refund appeared in my account from them as well!

 

 

So now, I need to get the CCA,

 

 

then set up a standing order so that I can pay them.

 

 

I can't tell you how helpful you all have been,

 

 

its one thing thinking that you are right but when people are reinforcing that it gives you the impetus to carry on.

 

 

Thanks a million and Merry Christmas xx

 

Well you now owe someone at least £100.

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