Mass complaint ;Add your name here if a dca has acted incorrectly with your account.

[t-star]

Moorcroft- For their empty threats

(un)Reliable Collections-For their sheer bloody minded ignorance of the law

Aktiv K®apital-For thinking that they are above the law

Wescott-What more can i say

Scottcall-Well. Nuff Said

[loopy_lou1]

loopy_lou1 - HFO for terrorising me and my family - not taking me through DP and making empty threats about "charging orders against my property, calling my father by name"

 

No company I have dealt with have sent a proof of debt letter

[sax kitten]

Relible collections for making £12 admin fee charges on 4 accounts for past 7 years

[Kazzie]

MOORCROFT - For passing on debt whilst in dispute

 

RELIABLE COLLECTIONS - For continuing to harass me despite not being able to produce a CCA, for adding charges to the alleged account and for lying to my daughter on the phone in order to extract information from her.

 

ROBINSON, WAY & CO - For continuing to harass me despite not being able to produce a CCA, for misquoting CCA 1974 in order to obtain money from me by deception, for telling me that someone has repeatedly called at my address (when they haven't) in order to intimidate me, and for sending me letters with the heading "Where Did We Go Wrong" when they clearly know exactly where they're going wrong. Also for being stupid enough to think that changing their letter font and the colour of their headed paper will fool me into thinking i'm now dealing with the Legal 'things are really serious now and we are getting rather cross with you' Department.

 

BUCHANAN, CLARK + WELLS - For purchasing a debt without bothering to find out that it had already been struck out in a court of law and for lying in order to intimidate me and obtain money by deception by saying somone would call on me within 72 hours if i didn't pay up.

 

CABOT - For not acknowledging my CCA request and for continuing to harass and threating me with added interest should i not make a payment, and for employing ugly people with the express intention of frightening my children should they carry out their threat to come knocking on my door.

 

BLS - For totally ignoring my CCA request yet using the £1.00 to reduce the alleged balance when i clearly told them not to use it for this purpose. For continuing to threaten and harass me in the absence of a CCA and for trying to fool me into believing that they're are grown ups when they clearly cannot read.

 

AKTIV KAPITAL - For continuing to harass me even though they have admitted there is no CCA and for lying to me by saying i had made a payment (therefore acknowledging the debt) when i hadn't.

Also for attempting to confuse and intimidate me by using a number of different companies ( which i am still trying to get my head around) to deal with the same query.

They used Horwich Farrelly Solicitors to inform me that the account was being retuned to the OC (following a CCA request), i then recieved a letter from Buchanan, Clark & Wells telling me that "regards your communications with Robinson Way"??? "you will need to submit your request to the OC"!!!??? All 4 of the above companies dealt with this same single CCA request:???:

 

WESCOT - For not acknowledging a CCA request

 

FIRST CREDIT - For not acknowledging a CCA request

 

LEWIS DEBT RECOVERY - For falsely telling me on 2 separate occasions concerning 2 different debts (following a CCA request) that they are not the creditor or data controller and that i should CCA the OC and not the DCA.

 

THAMES CREDIT LIMITED - For attempting to obtain money by deception by falsely telling me that they have no obligation to provide me with a copy of the CCA.

 

ROXBURGHE - For not acknowledging a CCA request

 

I think it's only fair to say that in my personal experience Clydesdale, AIC, Connaught Collections and EOS Solutions have all acted on my CCA request in a proper, polite, respectful and timely matter.

They have never threatened, harassed or attempted to mislead me, regardless of whether they were able to produce the CCA or not.

[tiglet]

for employing ugly people with the express intention of frightening my children should they carry out their threat to come knocking on my door.

 

PMSL

 

Now I didn't realise DCA's purposely employed ugly people to recover debts.

 

What's next, John merrick working for Mackenzie Hall?

[Kazzie]

PMSL too:D

 

The thought only occured to me after looking at the Personalities page on Seahorse's blog;

 

Cabot Financial Blog

 

Nothing would surprise me with these people:D

[MARTIN3030]

Ok if you wish to have your complaints specifically included send fuller details to [email protected]

I will get back to you from there.

 

Martin

[Kazzie]

Yes Martin, i would like my complaints to be included. I'll get the info to you within a couple of days.

 

Should i include dates and copies of letters where applicable?

[maybelline]

kazzie, wow and well done tackling all these!

[noomill060]

I'd like to nominate NCO (Europe) Ltd for failing to follow OFT debt collection guidelines.

 

Non-existant debt was disputed but of course they continued to bank and send scary letters. Admin of justice 1970 - no phone calls- template letter sent. (They deny recieving it in the results of the S.A.R - (Subject Access Request) I sent them) I sent it Recorded.

 

Even after the original creditor finally admited there was no debt after all and it had all been an administrative cock up, they (NCO) still continued to pursue me!

[noomill060]

I'll send the details to martin's email as well.

[Poppy07]

I'd like to report RMA/NCO for continually harassing me by phone and by letter even though my account is in dispute, as I have asked for a copy of my CCA and they have failed to provide one.

I have written to them to ask them to stop ringing me and to only communicate with me by letter but this has made no difference to the harrassment.

Also when I spoke to a member of staff at RMA and asked him to stop calling me he said 'no, not until the debt is paid, until then we have every right to phone you'.

NCO also send postcards to my house claiming to be sending someone to my house to discuss my account, although this person never turns up.

I think they're behaviour is appalling.

[yohe]

i would like to add mercers for tel calls , threats and lies re proceedures

[caught_up]

Please include Aktiv Kapital and Mackenzie Hall on the list;)

[ScarletPimpernel]

NCO/RMA - for failing to comply with OFT guidelines and the Data Protection Act, failing to properly comply with a CCA request, and failing to comply with CCA 2006 (not sending a copy of complaint procedure on request, failing to respond to a complaint - though they passed it to the OC)

 

Robinson, Way - for utter stupidity and denial in the face of facts - claiming that sending a letter on another company's letterhead and pretending it is from the other company is not intended to mislead and decieve.

 

The Credit Services Association - for failing to acknowledge the unethical and irresponsible way its members routinely operate.

[ANDENA]

Moorcroft - notified me of action they had no intention of taking, complete with a threat of solicitors' costs (all for an account owing £25!). Ignored CCA request, simply paying the £1 toward the account in question.

=andena son being harressed by Lowell and red for 13 year old debt.

[Sev]

Equidebt - C/o abbey and cahoot - rung my parent's home and intimidated them into paying or else going to prison - on christmas eve!

 

Buchanan Clarke&Wells - chasing an alleged debt from Hutchinson 3G, no deed of assignation, and no proof af the debt even existing.

 

Global Vantedge - C/o MBNA - calling all contact numbers 4 times a day, and coming out with such jems as 'all this can end if you pay now' and 'we are not in the uk, so do not need to follow british law'

[Sev]

HFO debt collectors trying to establish contact through deceit by sending me a postcard from a fictitious parcel company - Direct Line Logistics

[patrickq1]

just e mailed my data Martin

[patrickq1]

my initial complaint is with MORGAN STANLEY for misleading add for PPI as it was i thought the PPI would clear my debt instead it almost doubled the debt after 33 months

patrickq1

[outofpocketagain]

CBS Transcom leaving a message on my mobile on a weekly basis for angela alen reid to ring. when i ring to say they have got the wrong number, i am not the person they want, they follow up by trying to get my postcode and details. Obviously a trick to get me to phone them

[redbryn1]

cabot/ruthbridge- constant letters threatning allsorts and non CCA compliance.

wescot/credit security limited- constant demands for payment of the same debt.

red castle recoveries- 5 phonecalls a day for a £95 debt they can't enforce because they don't know my address!! and they expect me to confirm it when they call!?!

incasso-came to payment arrangement with them but have to phone weekly to do this. lines are so busy you have to leave your name and number so they can phone back been doing this for 6 weeks now never been called back now received a letter saying i've defaulted on the arrangement?!

 

all these DCA's have been fended off with letters provided by this site plus a few emails to consumerdirect, trading standards and a nice little thing called 'choose to refuse' from BT suddenly it's gone very quiet!

[Yyates]

I would like to add Fredrickson International. Non compliance with the CCA request I sent. No contact between 5 July and 2 weeks back giving me 7 days to pay up or they would take me to court. They also doubled the debt with their charges. When they phoned me Fed Intl told me it is MY responsibility to prove I don't owe the debt NOT theirs. There is no credit agreement, I did not sign one for this debt, had the debt stayed with the original creditor I would have no problems paying it. I have now received another letter saying this debt will not go away, so much for taking me to court, Trading standards are on the case now. Thanks to the help on here I now know that I was told a pack of lies from Fed Intl. Thank you so much for the help.

 

How do I add this to the main list please?

I am also using BT choose to refuse, makes life so much easier

[Harrassed&Hopefull]

Happy Yuletide HOHOHO

[Harrassed&Hopefull]

Hi All

This a BOS CC debt - 16 years old. interest was frozen then and monthly payments were setup to BOS.

4yrs later it was dealt with by their solicitors, then transfered to Blair Scott Oliver to collect right up to 4 months ago.

At this point BCWGroup took it on with nasty phone calls etc, BUT the magic words 'I DONT WANT TO BE TELEPHONED' silenced the calls.

Then 24 days ago I served my first CCA letter with the £1 payment to BCW.

No response yet BUT 15 days after serving my CCA a new DCA enters the fray, CAPQUEST send me a red demand letter and three days later start phoning daily at 8am.

During their first call I naturally asked for all communications to be in writing only but have so far ignored my request.

I have today recorded/posted cca and harrasment letters.

Lets see what happens next. The original debt was about 5k and is now 1k.

CapQuest are an unpleasant bunch of CAPital reQuesters, just look at the other posts!

H & H