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NCO Europe - How can I proove I have paid?


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I am having difficulties with NCO Europe. I set up a standing order, the money has been leaving my account for the correct amount on the correct dates and they REFUSE to believe I have paid.


When they called me the first time to let me know I asked how I could proove this - they said send a copy of your statements and standing order mandate. I did this immediately, sent it recorded delievery and it arrived at their offices a few days later.


In the past week I have received over 5 phone calls with them saying I have not paid, they have not recieved the letter (despite me having the electronic signature courtesy of royal mail indicating it had, in fact arrived the previous week). Not one record has been made of the previous calls on the same or previous day despite my repeated requests for this to be done.


They have been increasingly rude and abusive on the telephone despite the fact I am remaining calm, as, at the end of the day I know I am in the right anyway and I have paid!


I only have one payment to go, yet in their eyes I have given them nothing at all. I am at a loss as to what to do next, any help would be greatly appreciated!

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1. You are not required to talk to their call centre [email protected]


2. Write to them and state the following:

Dear Sir
Firstly, with regard to your repeated telephone calls I can confirm that I have made payments on the dates listed on the attached sheet and that I am fully honouring my obligations with respect to this debt.


Secondly, I immediately require you to cease and desist from contacting me by telephone. Having received this request you will know that it is an offence for you to call me again under the Wireless Telegraphy Act 1949. Any further calls from you will be immediately reported to the Police and to Trading Standards as offences under s.40 of the Administration of Justice Act 1970 and no discussion will be entered into.


Finally, I now require you to supply me with the documentation in respect of this debt, as required by s.78 of the Consumer Credit Act 1974, namely (a) a copy of the original, fully executed agreement relating to it; (b) a statement of account and © the deed of assignment from the original creditor giving you the right to pursue this debt. I enclose the statutory fee of £1.


I am formally notifying you that time is of the essence in responding to this letter.


You will note that any action you take in respect of this debt will henceforth be vigorously defended and contested.



3. Send the above by Royal Mail Special Delivery with a postal order for £1 enclosed. They should (MUST) respond within 12 working days; if they do not, they are "in default" and you should cease paying them. If they have still not responded within a FURTHER 30 DAYS, they have committed a criminal offence and cannot thereafter pursue the debt at all without a court order.


If they keep calling, don't talk to them; say "he/she's not available" and hang up... or just hang up... or whatever takes your fancy - but log date and time of each call. When you have several calls over a short period, let's say less than a month, report it to Trading Standards and the Police as harrassment and show them your letter.


Let us know how it goes!

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Now I'll explain the reasons for the above.


They are harrassing you. They are acting outside the Law. They are not allowed to call you repeatedly with the same tired old reason. They are not allowed to intimidate or otherwise abuse you to try and get you to pay. If they don't have the original paperwork from whoever you ORIGINALLY owed money to, they are not permitted to chase you for the money AT ALL. As I said in your letter, they MAY NOT continue to call you, having been asked to stop.


They have no authority over you and you don't have to put up with this nastiness... so chill out and know that from this moment on, you have WON. They are beaten.

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