Beat Debt Collection Agencies

[ncf355]

Si,

 

you need to edit post #1 to remove the '@' from that one - trust me, junk mail will follow if you dont!

 

Again, good work fella!

[simon4amiee]

yes thank ncf355.

[seylectric]

Keep it going Simon, good stuff.

[simon4amiee]

Re: Beat Debt Collection Agencies

I will keep reviving this as I feel, so many people have their lives destroyed by these debt collection companies. I almost gave up my job and home.

 

If a collections agancy are asking for more than you can afford, or asking to pay an amount in full you can beat them easily.

 

I had arrears with the CSA of £1500, and I did owe it, and now I have had it wiped clear, don't you find it odd a company would do that. Below is a small section of the OFT guidelines. The OFT are the ones who give these collections companies the licenses, so although this is not law, the debt collection companies should follow them.

 

Office of Fair Trading Debt Collection Guidelines:

 

Physical Psychological Harassment

 

2.5 Putting Pressure on debtors or third parties is considered to be oppressive

 

2.6 Examples of unfair practices are as follows:

 

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

 

I did a lot of research on this before I got started, but if you follow this rough procedure you cannot go far wrong. Firstly ensure you have sent them you complete list of outgoings and an offer of what you can afford, keep a copy. If they still say you have to pay an unafforadable amount or at worst slam a DEO on you, you should do the following:

 

1. Email every director and evrey contact you can get at the OFT, Trading Standards, TV, Newspaper, local MP, National MP, Eurpean Courts. (I have a lot if you need any help)

 

1. If a collections agency are giving you trouble on the phone, DO THIS NOW (firstly ensure that they are aware you have just purchased a'TL3 Telephone Record Interface' so from now on all your conversations will be recorded, it might be worth looking into doing this anyway. Explain to them that you have been instructed to do this by a solicitor and that you believe they are in violation of the Office of Fair Trading Guidelines under Physical Psychological Harassment 2.5 Putting Pressure on debtors or third parties is considered to be oppressive, 2.6 Examples of unfair practices are as follows: f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so)

 

2. Fax the collections agency informing them of your intent to bring their company into disrepute as they are breaching the guidelines set out by the OFT, and who you have just contacted.

 

3. They WILL comply within 24 hours, I know it worked, they absolutely wet themselves when they found out what I had done.

 

I will still never find out why the debt I actually owed was written off, my guess is they didn't want me poking my nose into their dodgy dealings.

 

If anyone wants any help, please feel free to email me on [edit]

 

Im just a regular working Joe, who wants to helps others who are in the same situation I was.

[simon4amiee]

you know it makes sense

[simon4amiee]

I will keep reviving this as I feel, so many people have their lives destroyed by these debt collection companies. I almost gave up my job and home.

 

If a collections agancy are asking for more than you can afford, or asking to pay an amount in full you can beat them easily.

 

I had arrears with the CSA of £1500, and I did owe it, and now I have had it wiped clear, don't you find it odd a company would do that. Below is a small section of the OFT guidelines. The OFT are the ones who give these collections companies the licenses, so although this is not law, the debt collection companies should follow them.

 

Office of Fair Trading Debt Collection Guidelines:

 

Physical Psychological Harassment

 

2.5 Putting Pressure on debtors or third parties is considered to be oppressive

 

2.6 Examples of unfair practices are as follows:

 

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

 

I did a lot of research on this before I got started, but if you follow this rough procedure you cannot go far wrong. Firstly ensure you have sent them you complete list of outgoings and an offer of what you can afford, keep a copy. If they still say you have to pay an unafforadable amount or at worst slam a DEO on you, you should do the following:

 

1. Email every director and evrey contact you can get at the OFT, Trading Standards, TV, Newspaper, local MP, National MP, Eurpean Courts. (I have a lot if you need any help)

 

1. If a collections agency are giving you trouble on the phone, DO THIS NOW (firstly ensure that they are aware you have just purchased a'TL3 Telephone Record Interface' so from now on all your conversations will be recorded, it might be worth looking into doing this anyway. Explain to them that you have been instructed to do this by a solicitor and that you believe they are in violation of the Office of Fair Trading Guidelines under Physical Psychological Harassment 2.5 Putting Pressure on debtors or third parties is considered to be oppressive, 2.6 Examples of unfair practices are as follows: f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so)

 

2. Fax the collections agency informing them of your intent to bring their company into disrepute as they are breaching the guidelines set out by the OFT, and who you have just contacted.

 

3. They WILL comply within 24 hours, I know it worked, they absolutely wet themselves when they found out what I had done.

 

I will still never find out why the debt I actually owed was written off, my guess is they didn't want me poking my nose into their dodgy dealings.

 

If anyone wants any help, please feel free to email me on [edit]

 

Im just a regular working Joe, who wants to helps others who are in the same situation I was.

[hiphil]

I have had this trouble from 1st Credit, when I phoned them in response to a letter demanding payment in full. When I pointed out that was impossible, they asked me to increase my payments by over 20 times - I then hung up on them.

 

If I have any more trouble from them I will try following your advice.

[meagain]

Yeah, er, there's no need to post the entire message every other day or so.

[MCBIRNIE25]

Worth reviving the thread though. It's good advice.

[meagain]

First post was only about a week ago. The thread isn't exactly dead.

[simon4amiee]

first my friend, a few words on a screen should not have an impact as to effect your life in a bad way, therefore I find it dificult to comprehend why you question the fact that the thread is constantly revived. I just want to help as many as possible, as I am fully aware these Debt Collection strategies to destroy people.

[demon_x_slash]

Simon, you just need to type 'bump' or 'refer to first post' or something to reactivate the thread; it gets a bit eye-watering to scan through all that info each time, thinking there's new information.

[gemspan]

Hi Simon

 

I realise that you want everyone to know how to beat the debt collection agencies but one thing that springs to mind here is that you owed the CSA. The Child SUpport Agency!!!! That means that the money you owed was to support your children so the children would not have got the money they were entitled to because you managed to get out of it.

 

I am all for people working to get around the large institutions that take our money every day but to deprive children of their maintenance money isnt something that I would be proud of.

 

Am I wrong in thinking that your children were deprived of their money? Was it the CSA that was after you to get more money than you could afford?

 

I just keep thinking about your ex-wife and children. Its not the same as a large banking institution is it? Perhaps people wont agree with me!

[podgydad]

Hi Simon

 

I realise that you want everyone to know how to beat the debt collection agencies but one thing that springs to mind here is that you owed the CSA. The Child SUpport Agency!!!! That means that the money you owed was to support your children so the children would not have got the money they were entitled to because you managed to get out of it.

 

I am all for people working to get around the large institutions that take our money every day but to deprive children of their maintenance money isnt something that I would be proud of.

 

Am I wrong in thinking that your children were deprived of their money? Was it the CSA that was after you to get more money than you could afford?

 

I just keep thinking about your ex-wife and children. Its not the same as a large banking institution is it? Perhaps people wont agree with me!

 

My thoughts exactly!

[simon4amiee]

Hi Simon

 

I realise that you want everyone to know how to beat the debt collection agencies but one thing that springs to mind here is that you owed the CSA. The Child SUpport Agency!!!! That means that the money you owed was to support your children so the children would not have got the money they were entitled to because you managed to get out of it.

 

I am all for people working to get around the large institutions that take our money every day but to deprive children of their maintenance money isnt something that I would be proud of.

 

Am I wrong in thinking that your children were deprived of their money? Was it the CSA that was after you to get more money than you could afford?

 

I just keep thinking about your ex-wife and children. Its not the same as a large banking institution is it? Perhaps people wont agree with me!

 

I won't take offense as you didn't know the circumstances, yes I agree with everything you are about. A debt collections company working on behalf of the CSA contacted me saying I owed £1500 in arrears, then slammed a Deductions of Earning order on me for over a fifth of my MONTHLY salary. Even after I said I couldn't afford it, and would probably have to give up my work, and lose my home, they still wouldn't help until I involved MP's, Solicitors, Media etc etc etc.

 

The reason I cannot afford it is that I give a quarter of my annual salary to my sons mother direct, not going through the CSA, as they only calculated I had to pay £38 a month, which as a loving dad didn't think was enough, so my ex cancelled the claim and I have been paying her direct, on top of him coming for tea on Tuesdays, and being in my care from Friday 3.30pm right through till Sunday 19.00pm EVERY week, and EVERY statutory holiday I have. The collections company were acting like bullies, even when I told them all this, and gave them proof I pay direct. They got what they deserve. The reason the arrears existed was it took 3 years for the CSA to initially start collecting which by then it was arrears, however like I have said he is very luck to get everything he does, Even if I don't get myself things, my son ALWAYS does. DO NOT assume all dads are complete losers....

 

In conclusion my son receives over 750% more than the CSA initial calculations direct through me, they really don't a clue.

[gemspan]

Hi Simon

 

I appreciate your reply but you did say in your initial post that you did owe the money and it was to CSA so it seemed to me that you were posting this and were proud of the fact that you got out of paying for child support. Without knowing the background I dont think my comments were too hard.

 

Obviously, your personal circumstances are none of my business but you can only reply to what you see in print. That is the problem with the written word on forums. YOu have to agree that it does look like you are pleased to have cheated the CSA. Now I know the background then it makes sense what you are writing. Sorry if I offended you.

 

Gemspan

[simon4amiee]

Hi Simon

 

Sorry if I offended you.

 

Gemspan

 

Not a problem

[Bookworm]

3 threads merged, and moved to Debt Forum.