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The big boys are having an award ceremony to celebrate their ways and how they do, for more info have a read of the attachments especially the agenda part 14.15 on page 8.... What will they actually do? Take notice of what is said or continue to collect debts as they have done for many years?

 

 

What will be interesting to find out is how they will operate with the mental health issue and debts, with this in mind will the EA's (Bailiffs) take the same line? This will/could have further implications to the entire debt collecting issues....

 

 

Info from here http://www.cdspconference.co.uk/files/agenda/CDSP/CDSP_2015_draft_agenda.pdf

 

 

Main story from here http://www.cdspconference.co.uk/

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Dealing with vulnerable customers in practice

 

· Ensuring the most vulnerable members of society are treated

fairly

 

· Clarifying FCA mental health categorisation:

 

o How mental health issues affect our customers

 

o Ensuring front-line collectors interact with, understand

and identify mental health issues sensitively and

considerately

 

· Yorkshire Building Society investigation

 

· The implications of too much forbearance

 

· Accurately assessing ability to make repayments

 

· The benefit of partnership with debt management firms and

charities

 

· Interaction with fee paying debt management companies:

 

o Knowing the problems these firms are facing

 

o Improving communication between creditors and debt

management firms

 

 

This is very wrong unless they employ properly trained mental health specialists

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Uploading documents to CAG ** Instructions **

 

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1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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citizenB

 

 

I just enjoy some searching, soul searching, these people have none, They moan so much about their profits yet can afford to run a ceremony such as this, Then gloating how well they have not done or done, charging an arm and a leg for a few pens and the like, no wonder we at CAG do as much as we can for free, not only that we don't hold award dinners each time we as Caggers win a debt for the poster, we just say "well done" and that is that.

 

 

Perhaps Cag ought to have a section called RTP (Ripped To Pieces) Cagum style, sorry for the pun here.... After all how can a DCA's advisor even contemplate being able to know what is a MH issue, they care nothing for this and just a publicity stunt....

 

 

TBH I hope that the site team can pull this apart totally and see what the real truth is under all this BS....

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I so agree with you mickeymack - we have seen many people stressed even beyond their normal health issues because of the hoops they are expected to jump through to prove they do have mental health issues !

 

I seem to recall there was one company, was it 1st Credit ? that was taken to task a few years ago for badgering an elderly man who had serious mental health problems. I will try and find a link.

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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http://news.bbc.co.uk/1/hi/programmes/panorama/7711412.stm

 

Leonne Blurton's Father. She came on to the forum after the programme.

 

 

 

1st Credit statement

 

 

Panorama: Can't Pay, Won't Pay featured an interview with Leanne Blurton who had to deal with her stepfather's financial problems after he was admitted to a psychiatric hospital. Despite submitting proof of his mental illness and his section order, debt purchaser 1st Credit did not freeze his debts until Panorama got in touch. Company director Najib Nathoo made the following statement:

 

 

 

1st Credit's statement after the programme...

 

 

"Repayment of debts remains an emotive and sometimes distressing subject for debtors. 1st Credit acquired his debt in March 2008 and agreed an affordable repayment plan with him which included the freezing of interest rate payments."

 

"We were informed that he had been sectioned under the mental health act, some 8 months after the initial call and clearly we failed to apply our industry guidelines which would have meant that on receipt of documentary proof of his illness, his payments should have been suspended. We're very sorry that our actions have caused him and his daughter considerable distress. This is not the standard we expect and have set for our business. As a result of this failure in procedures, 1st Credit is re-training staff members concerned and issuing clearer guidelines to all staff regarding the handling of cases such as this."

 

"In the meantime, we have frozen his account and are now working with his daughter to resolve the matter. We wish him a speedy recovery."

 

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

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Agree with you both Citizen B and MM, there will be collective back slapping, a great deal of Networking, discussing ways and means to get people to pay SB debt, amongst other stuff . That agenda item will be exploring the best way to get payments from people who are in no condition or have any spare income to pay squat.

 

Interesting who is represented on the panel for that workshop, on collecting from Vulnerable groups.

 

Will anything change? No

 

Wonder who will win the Boast Award for the most inventive manner of entry to a vulnerable person's home ?

We could do with some help from you.

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The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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I do have a PDF on this subject and is already onsite I will link you to it if you need to read it ...

 

 

Here is the link, but I didn't realise it had been made in to a stickie, see here for this document that I posted up in Febuary of this year, http://www.consumeractiongroup.co.uk/forum/showthread.php?441693-Mental-Capacity-and-debt see post #6

 

 

See page 7 for more info...

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Not sure where to post this argument here on this thread or the other one in the bailiff section so have decided here and to link to this thread for further discussions...

 

 

I think this is an important to add here due to the thread and other things so your thoughts please... See below for the link...

 

 

http://blogs.lexisnexis.co.uk/randi/the-need-for-care-when-dealing-with-vulnerable-persons-in-bankruptcy-brister-v-the-official-receiver/

 

 

The link to a case referred to in the above can be found here

 

 

http://www.mentalhealthlaw.co.uk/Haworth_v_Cartmel_and_HMRC_(2011)_EWHC_36_(Ch)

 

 

Although this case is significant in as much was for bankruptcy it can easily be used for all levels of debt and with that in mind this info could be of use for many....

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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Thanks for the links MM most useful and interesting, especially where mis selling to a vulnerable person was the root of the debt

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

 

The bailiff: A 12th Century solution re-branded as Enforcement Agents for the 21st Century to seize and sell debtors goods as before Oh so Dickensian!

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