advice needed,on so many debt collectors after me

[michsienna]

thanks everyone for replying,

some realy good points were made,

im gonna start making a log of there calls,

and a point monty2007 made was about its a criminal offence for creditors causing humiliation, thats just what lowells (hamptons) did when phoned my parents house saying they needed to speak with me cos i owe them a substsantial amount of money,( i owe them £366 thats hardly alot).

thanks again michelle xx

[michsienna]

whoops!! and again , my children are climing over me,and i keep haveing edit my message.and it wont let me simply delete it

[spiritgirl59]

Hiya Mich

 

Just reading what you said about Lowells

 

I've found that the ones who allege I owe them hundreds rather than thousands of pounds are a bigger pain in the rear than the ones who allege I owe them thousands!

 

I wonder if this is the norm across the board for DCAs?

 

Have a good day Mich

Love Spiritgirl x

[michsienna]

Hiya Mich

 

Just reading what you said about Lowells

 

I've found that the ones who allege I owe them hundreds rather than thousands of pounds are a bigger pain in the rear than the ones who allege I owe them thousands!

 

I wonder if this is the norm across the board for DCAs?

 

Have a good day Mich

Love Spiritgirl x

 

hi spiritgirl, thats a good point you have made,

maybe is becouse they are more likley to get the smaller debts owed payed sooner,so they act this way to get them, where as the bigger ones take more time ???? xx

[kennyparkroad]

keep plugging on guys, i watch this thread with interest and am happy to help anyway i can.

[Lisa_martin]

I just want to say that this is a fantastic thread!!

 

You are doing so well mich, U have inspired me to start on my debts too.

 

Well done xxxxxxxxx

[djdave]

thanks everyone for replying,

some realy good points were made,

im gonna start making a log of there calls,

and a point monty2007 made was about its a criminal offence for creditors causing humiliation, thats just what lowells (hamptons) did when phoned my parents house saying they needed to speak with me cos i owe them a substsantial amount of money,( i owe them £366 thats hardly alot).

 

thanks again michelle xx

If they mentioned your (alleged) debt to a third party without your consent then that's a major breach of the Data Protection Act, not to mention the OFT fair practice guidelines.

[michsienna]

hi everyone,

when i told the bloke at trading standards that hamptons (lowells) rang my parents house and told my mum what they did, he dident realy have much to say about the matter.

after reading lots of threads on people having fantastic results after contacting trading standards,i was very gutted,that i had some one who was not interested in helping me.

the only thing he seemed remotely interested in was why i was requesting copies of my signed credit agreement when i new i was in debt with them in the first place.

the thing is i couldent prove they contacted my parents house, even if i wanted too, i have a rough date of when it happend (i put it on this thread i think the day after) but i dont have the time etc i think it was early evening??) maybe they record all there call at there end?

ive not heard a thing from lowells/hamptons for a while now.

some thing els ive notice is, when one dca goes quite another one starts banging there drum,

michelle xx

[remus]

michelle, just you tell Mr (not really interested)TS, that the reason you are doing what you are doing, is because these companies make our lives a living hell, constantly ringing, and involving other people, who do not need to know our situations, they constantly break the law, and get away with it, and if people do not complain to these bodies such as TS (who are supposed to be there to help with unscrupulous companies) nothing is ever going to change.

It has nothing to do with him if you have a debt or not,(yes we owe money, smack our hands!) it is the way they carry on with threats and harassment, and over the years have placed themselves above the law.

Never forget, they buy these 'debts' for peanuts, the OC can write them of against tax (its all about business and profits) which is why they come down so hard and nasty on us, so they can get as much as possible (lucrative comes to mind) not caring if we can afford it.

You have gone to TS to complain about a company that is breaking the law, their standard of trading is c..p, and someone needs to pull them up, if Mr TS is not capable of dealing with these companies, perhaps he would like to tell you who is, or are they happy to let a company carry on trading, and constantly flout the law of the land.

I will go and have a lie down now;)

Michelle, you have come this far, you are an inspiration, do not lose track of why you are doing this.

And yes please Kennyparkroad, perhaps a letter to Mr TS, with all the legal implications highlighted to give Michelle some clout, because this is what we do in life, come up against an authoritative body, and think they must be right, perhaps I've got it wrong, and so do not pursue it (like we have been doing with the DCA's)

some thing els ive notice is, when one dca goes quite another one starts banging there drum,

michelle xx

Yea strange that;)

Good luck michelle:)

[stadium_arcadium]

Hear hear Remus!!!

 

Keep up the fight Mich, you are doing great. I agree regarding a letter to Mr 'I don't know what I'm talking about' TS. Show them you mean business. lowell just don't know when to quit sometimes do they!! Grrrr!! I hate them so much!

[kennyparkroad]

TS asked me the same thing

 

i replied

 

"its my legal right to query this so i am exercising that right!"

 

it soon shut him up.

[remus]

TS asked me the same thing

 

i replied

 

"its my legal right to query this so i am exercising that right!"

 

it soon shut him up.

This is what Michelle and all of us need to know, and have the strength to say.

I have read TS are under funded etc, BUT that should not mean that we have no-one to stand our corner.

If TS are asking why we are going to them, I'm speechless:( .

[michsienna]

thank you all so much for your support,you guys are my inspiration and with out you here helping me, i would never have done any of this,THANK YOU!!!

 

A while ago,i come across a unfair charge lloyds had took out of my account (£35) becouse it was so little,i dident bother passing it on to the company i have sorting out my others.

i thought to myself, so what if its just £35 its mine, so used a letter of this site and requested it back,

they replyed with a letter to say that my letter had been recieved and they will get back to me within 4 weeks.

they today sent me a letter saying they have put the money back in to my account, lol it made my day!! xx

[michsienna]

TS asked me the same thing

 

i replied

 

"its my legal right to query this so i am exercising that right!"

 

it soon shut him up.

 

when the bloke asked me why i was reqesting my credit agreement, i cant remember saying any thing, i was so gob smacked i realy wasent expecting that. xx

[michsienna]

hi everyone,

i recieved a letter from hillesden securities yesterday, they have took over the debt i owe citi financial,

they write to tell me they have requested a copy of my signed credit agreement from citi.

how long does it take them i requested that months ago! xx

[remus]

Michelle, they are passing you around because they haven't got a copy of your signed agreement (thats how I see it, happy to be corrected:p )

Maybe they can't pass it back to the OC as it's got so wrapped up in peanuts, tax etc.

Hey Clever Guys, what's the next step for mich, official complaint, in writing to OFT? TS?.

Let's get this sorted, and show them we mean buisness:D

[remus]

Hi Michelle, this is interesting reading un1boy vbmenu_register("postmenu_972759", true); vbmenu_register("postmenu_972759", true);

[michsienna]

thanks remus your a star, il take a look xx

[stadium_arcadium]

thank you all so much for your support,you guys are my inspiration and with out you here helping me, i would never have done any of this,THANK YOU!!!

 

A while ago,i come across a unfair charge lloyds had took out of my account (£35) becouse it was so little,i dident bother passing it on to the company i have sorting out my others.

i thought to myself, so what if its just £35 its mine, so used a letter of this site and requested it back,

they replyed with a letter to say that my letter had been recieved and they will get back to me within 4 weeks.

they today sent me a letter saying they have put the money back in to my account, lol it made my day!! xx

 

Well done Mich, glad you got your money back:-D Go girl!!

 

 

As for the letter from Hillesden, you could wait and see what they come up with (which will be nothing....if Citi can't supply you with a CA, then Hillesden certainly won't be able to!) or you could send the old 'I DO NOT ACKNOWLEDGE ANY DEBT reminding them of their obligations' letter.

Reporting Citi for passing on a debt whilst in dispute would normally be the way to go but with the recent (non)actions from TS I'm not sure it would make any difference atm:roll:

[michsienna]

hi mate, thanks for replying, il wait and see what they send next.

they sent me exactly the same letter on the 24th april and the excact letter again on the 22nd june????

3 letters!!

xx

[stadium_arcadium]

LOL, awww, maybe they just like writing to you?

I recon DCA's have got nothing better to do since the CCA request influx of recent months. Beats sitting twiddling their thumbs don't it?

[vandermerwe]

Hey, Stadium Arcadium, spare a thought for those poor people working for the DCAs. From what I read on their 'come and join us' websites they are only paid commission and need to use their own cars and telephones.

 

Shame!

 

Perhaps why they can be so offensive? Mind you I am being bombarded with telephone calls from HSBC in Manila, and am having to send them a stop harassing letter. It's a pity really 'cos I just love the sweet sounding, and unmistakable Filipina accent - one girl was quite overwhelmed when I responded with a few words in Tagalog - I just hope it wasn't, er, inappropriate but it made her giggle.

 

But so polite and feminine - maybe that's why the DCAs like writing to Mich

who has managed to clock up some 16 pages on this thread.

 

As ever, keep it up Mich - it's obvious there are a lot of people out there that like you.

 

Regards as ever.

 

Van

[michsienna]

im so very greatful for everyones help on this web site, it realy has changed my life, i know at the end of the day i still have my debts,but since discovering this web site i now feel im incontrol of them , ive learnt alot and there so much more to learn.ive had the most fantatsic support,far more then i thought i would get,and it means the world.

thank you xx

[stadium_arcadium]

Hey, Stadium Arcadium, spare a thought for those poor people working for the DCAs. From what I read on their 'come and join us' websites they are only paid commission and need to use their own cars and telephones.

 

Shame!

 

Perhaps why they can be so offensive? Mind you I am being bombarded with telephone calls from HSBC in Manila, and am having to send them a stop harassing letter. It's a pity really 'cos I just love the sweet sounding, and unmistakable Filipina accent - one girl was quite overwhelmed when I responded with a few words in Tagalog - I just hope it wasn't, er, inappropriate but it made her giggle.

 

But so polite and feminine - maybe that's why the DCAs like writing to Mich

who has managed to clock up some 16 pages on this thread.

 

As ever, keep it up Mich - it's obvious there are a lot of people out there that like you.

 

Regards as ever.

 

Van

 

Hi there Van, these days I admit to not sparing a thought for DCA's at all, other than when I'm on here or reading a letter from one. It was a completely different story up until late last year when all I would do was worry about the next threatening letter or wonder when the next DCA would force me to up my monthly payments etc. Sleepless nights and paying out more to debts than I did for the weekly shop is now a thing of the past thanks to this site and others like it. In a world where most people are out for themselves places like this are a haven. Information, help and support provided by people in the same situation. It can only make the world a better place:)

I do understand that DCA's have a job to do, it's just the way they do it I have a problem with. Hopefully as a result of this consumer uprising they will all get better training and be better informed as to how they should conduct their business. A tightening of the reins by TS and the OFT would be nice too........am I asking too much?

 

Sorry for the small hijack there Mich

[gypsumsif]

hey mich,

without me going all the way thru this tread again (proper proud of you by the way), have you considered sending a breach of sec.10 (data protection) letter to the OC?

rory wrote a good one, which i played around with and sent to littlewoods after they passed my debt around from dlc to hillseden to another dca. it got them off my back, not heard a peep out of them.