Awards ceromony

[mikeymack2002]

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/

[citizenB]

 

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

[mikeymack2002]

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....

[citizenB]

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.

[citizenB]

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."

 

[brassnecked]

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 ?

[mikeymack2002]

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...

[mikeymack2002]

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....

[brassnecked]

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

[mikeymack2002]

I do like a challenge BN and love the hunt for useful info for those that it could help ..

 

 

MM

 

 

PS you have a PM