Constant emails from a lender

[accesspwd]

I had a payday loan about 4.5 years ago when I was in a bit of a rut and didnt end up paying it back.

 

The past few months they have bombarded me with emails to pay it back, around 61 emails to be precise - I have emailed them 3 times advising they are no longer to send me emails but they continue to do so and even replied to my email saying they will email for as long as the money is owed.

 

I am sure I read somewhere that if you request a stop to call or any emails they have to by law comply - Is this right?

 

I have even put them on notice that should they continue to send emails that I will charge then £15 for every email they have sent me - They has since sent me another 7 emails since that warning

 

Where do I stand on this?

[silverfox1961]

Hi

I assume they email because they don't have an address for you.

 

The rules regarding this matter are so long as you maintain contact in your preferred method (normal post) then they must respect that. If you do not respond to letters, they are allowed to revert back to the previous method.

[accesspwd]

Thank you for the quick reply

 

At what stage does it become harassment? An email is essentially the same as a letter - Sending over 10 a month has to be harassment, imagine receiving 10 letters in the post a month from them

[silverfox1961]

Yes it could be classed as harassment. You have a remedy with the Consumer Protection from Unfair Trading regulations but this would have to be decided by a court.

 

Report them to their local trading standards.

 

In the meantime, what charges have they levied against this account.

 

Is it the same company chasing you or a debt collector on behalf of them?

[accesspwd]

Thank you again for the reply

 

To be honest, I am unsure how much charges have been applied - As a rough guess I would say about £300

[gettingolder]

Have you thought of blocking their email address until you get this sorted? They will keep this bombardment up in the hope you will crack.

 

 

it might be practical to change your email address, if it is, why not close the old email account?

[mikeymack2002]

Or the Misuse of the public communications network is another... Then simply open your email account on a smart phone then add it as spam and block the domain. That will stick it where the sun no longer shines...

 

 

See here about misuse http://www.legislation.gov.uk/ukpga/2003/21/section/127