Power 2 contact Ltd

[Fred Bassett]

Power2Contact are part of Credit Solutions who are a nasty bunch of to**ers.

 

This is just an attempt to get you to ring them so that they can bully you on the telephone.

 

Fred

[scared001]

help, cant sleep and feel sick.

 

came home from work today to find a letter from these people threatening me with an arrival from one of their people to collect money. they gave me 72 hours which is basically today however was dated 26th but only came in the post today.

 

what do i do if someone turns up? am so scared and worried.

[beachcomber60]

help, cant sleep and feel sick.

 

came home from work today to find a letter from these people threatening me with an arrival from one of their people to collect money. they gave me 72 hours which is basically today however was dated 26th but only came in the post today.

 

what do i do if someone turns up? am so scared and worried.

 

 

Hi Scared001,

 

First and foremost DONT be scared of P2C - they are nothing to worry about, they have absolutely NO POWERS.

 

They 'doorstopped' me in the past and will go away when told.

 

In my case they wanted me to speak to Capital One on HIS mobile (now why would I want to do that?). IF they send someone (and thats a BIG IF just refuse to talk to him/her and tell them to go 'forth & multipy', there is a letter on the forum (sorry cant do the link, as Iam at work and using my mobile), print the letter and just hand it over & close the door if you dont want to talk ( which you dont want to talk to these muppets).

 

As I said fear not - they have no powers.

 

Beachy

[Undercover-Elsa]

Hi Scared1 and morning Beachie

 

Beachcomber is absolutely right Scared1. They often send this cards to scare you into paying or contacting them. DON'T. They can't do anything to you at all.

I want you to feel absolutely certain of your rights on this, then you'll know there's no need to be worried:

They have no right whatsoever to come into your house, they cannot do anything, cannot take anything, cannot demand money, break in or force you to even speak to them. They just like to give you the impression that they can.

Either don't answer the door, or if you do just refuse to discuss anything with them, say "in writing only" and tell them to leave. They HAVE to leave when you tell them otherwise they are trespassing.

Alternatively you could print out the letter below, amended to suit, have it ready then once they've identified themselves just say "Let me stop you RIGHT THERE", hand them the letter, tell them to leave and close the door.

You could also post a copy of the letter to their offices:

Dear XXX

 

In a direct response to your recent activities / letter, dated xx xxx xxxx, received at this address on xx xxx xxxx. [Delete whichever is not applicable]

 

 

I DO NOT WISH TO RECEIVE ANY REPRESENTATIVE OF YOUR ORGANISATION, OR INDEED AN AGENT OR REPRESENTATIVE EMPLOYED BY ANY ORGANISATION THAT YOU ISSUE INSTRUCTIONS TO.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.)

 

THEREFORE TAKE NOTE THAT I REVOKE LICENSE UNDER COMMON LAW FOR YOU, OR YOUR REPRESENTATIVES TO VISIT ME AT MY PROPERTY AND IF YOU DO SO, THEN YOU WILL BE LIABLE FOR DAMAGES FOR A TORT OF TRESSPASS AND ACTION WILL BE TAKEN, INCLUDING BUT NOT LIMITED TO , POLICE ATTENDANCE.

 

 

I also caution you here that should you ignore my request on this point, the actions of your representative(s) will happily be recordedeither by CCTV or by telephone recording equipment – whichever is applicable. Accordingly I reserve the right to use any evidence of you or your representatives’ ignoring this request in connection with any actions that I choose to pursue, including media exposure.

 

Should it be your intention to disregard my wishes, and break your obligations, please be advised that the following rules also apply, as laid down by the OFT in respect of debt collection, and that you, as a holder of a consumer credit license, are obliged to follow:

 

The areas of the OFT guidance which applies to you in this instance are:

 

Debt collection visits

2.12 Examples of unfair practices are:

 

a. not making the purpose of any proposed visit clear, for example, merely stating that collectors or field agents will call is not sufficient

f. visiting or threatening to visit debtors without prior agreement when the debt is deadlocked or disputed

 

Deceptive and/or unfair methods

2.8 Examples of unfair practices are as follows:

 

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.

 

 

I do believe this makes my position clear and unambiguous.

 

 

Next you need to deal with the actual debt itself. Do you know what debt they're trying to collect?

Is it a Credit Card, Loan or Overdraft? Have you sent for a copy of your Credit Agreement? Are there any charges (late payment fees etc) that could be reclaimed to reduce the debt?

If you give more details the wonderful people on here will try and help you sort it out.

Hope this helps, keep your chin up and start taking control..there's nothing to be scared of and ways and means of dealing with your debt

Take care

Elsa x

[scared001]

hi

 

thank you to both for responding. i am having a nightmare with them. firstly they call me on a daily basis whilst im work and have told them not to phone during work core hours as i literally sit a stones throw away from my boss and clearly they have not liked this and hence the letter being sent.

 

its a capital one credit card that i have. have been sent a default notice and i have been sending regular monthly token payments to these horrible debt collectors. prior to this, i had been hounded by FTS who capital one were using and as i havent been able to give them what they want, i now have these horrible people chasing me. its so worrying and every time i hear a car door close,i think its them!!!

 

whats the best next step to take? should i call power to discuss and tell them i want everything in writing now?

 

any more advice would be very much appreciated and once again thank you!!

 

x

[Undercover-Elsa]

Morning Scared1

The main rule is NEVER EVER PHONE THEM OR SPEAK TO THEM IF THEY RING. They can get away with telling you anything on the phone, to scare you into paying.

From now on, insist that EVERYTHING MUST BE IN WRITING.

If they ring, ignore, or if they catch you out, refuse to go through the security checks and just say this account is in dispute, my legal advisers now insist on everything IN WRITING then put the phone down.

There's a phone harrassment letter HERE - you can amend to suit and add it on to the no doorstep visits letter above.

There's also a good general advice guide about telephone harrassment HERE

 

I'll get to how to start sorting out the Credit Card in the next post...

Elsa x

[Undercover-Elsa]

Hi again Scared1,

What you need to do now, as this thread is mainly about PowertoConnect, is go back to the Debt Collecting forum index HERE scroll to the bottom and click new thread. Then you can start your own thread re this credit card debt and get direct responses and help.

I'll watch out for it, and you could pop back in here and leave a link to it for others to follow.

Shout if you need help

Elsa x

[scared001]

thank you so much! i will defly heed your advice. they are such a bad company who are vey much trying to scaremonger and as i am on my own, i am literally shaking with fear. i am also going to complain to either the trading standards people or ombs people. its not on.

 

have you had dealings with these people too? and did they come knocking on the door? im either not going to answer or tell them to go away as per the above.

[mr.ton]

If they sense that you are scared & vunerable..then they will persist even more with the greatest respect.

Its those who like to tell them to f off & preach their legal rights etc...that they dont bother with.

P2C are nothing more than a sinister bunch of nobodies with no legal powers to do anything quite frankly.

The sooner the authorities clamp down on them the better

[Linus]

Look at these parasites as sales reps, "do you want double glazing" No and shut the door, complete zero powers, as its been said before, they prey on fear, you can only scare the weak.

 

"Give them the V sign and tell them to get a warrant".....

[scared001]

all duly noted!! feels worse when youre a single female living on your own, need a big muscly bodyguard to warn them off!!

[master woody]

all duly noted!! feels worse when youre a single female living on your own, need a big muscly bodyguard to warn them off!!

 

 

I've been door steped and this is what happened

 

Konck at door....

 

I opened door

 

I'm from P2C...

Me I'm sorry i only deal with creditors in writing....door shut

the person left quickly, got into his car and left

 

all over in 15 seconds....could of been anyone like the gas man ect no one will ever know

[kurvaface]

Hi Scared001

 

If they have made you feel this way then you must complain about them. Trading Standards are very receptive to complaints about Power2Contact, Credit Solutions Ltd and Credit Solutions Holdings ltd.

 

Mr William Hugh Pierce, You should get a grip!!!!!

 

 

Trading standards:

http://www.hants.gov.uk/regulatory/tradingstandards/consumeradvice.html

 

The phone number is

 

08454 040506

Edited June 17, 2009 by kurvaface
phone number is so easy

[Ozman]

I recieved a letter from Power2Contact today (dated 3 days ago), stating that I would be getting a visit from them regarding an outstanding debt unless I contact them to resolve the issue within 72 hours of receipt of the letter (how do they know when I received it?).

 

The thing is, this is not my house, I am lodging at a friends house, and I'd rather not have this kind of trouble brought to his door.

 

Would it be advisable for me to ring them and basically quote the terms of the letter posted above, and inform them that I'll be confirming this in writing shortly?

[kurvaface]

Hi Ozman

 

Chances are, if P2C (Which = Credit Solutions ltd) are pulling the harassment style 72 hours stunt, then they probably don't have a legal leg to stand on. They do this purely as a means of intimidation and bullying. I recommend you spend a bit of time knocking around here and you will soon see what a bunch of cowboys they are.

 

In terms of the account they're after, any chences you could let us know what that's about? Perhaps we can help.

[Ozman]

Hi kurvaface.

 

The account they are after is my O2 phone bill. I was made redundant from my job and have been unable to keep up the monthly payment. I tried resolving this with O2, but they ended up passing my account on to Credit Solutions, who sent me a letter offering to wipe the £400+ debt and reconnect my phone in exchange for a payment of £96 which would clear the arrears. The problem is that I didn't have £96 for a one-off payment. I tried to explain this to them, but heard nothing off them until now, where I have recieved this letter from P2C asking for me to contact them to prevent a visit.

 

The thing I am most worried about is that my friend has been very good about letting me stay here while I'm unemployed and unable to contribute much, but I think having people knocking on the door looking for me and demanding money/goods might be pushing it.

 

I know my rights (generally) regarding doorstep visits, and I know how to deal with them if I'm in. I just don't want them visiting while I'm out, and giving either my friend, or (god forbid) his girlfriend any hassle.

Edited July 16, 2009 by Ozman

[kurvaface]

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/590-letter-used-when-a-dca-threatens-a-doorstep-visit-

 

Use that for starters - edit to suit. If that doesn't keep them off your doorstep, ring trading standards to notify of their harassment - 08454 040506. Also, what is well worthwhile, when you write your letter to CSL / P2C, let them know that you have informed Trading Standards. They will more than likely behave themselves then and not do anything silly like turn up on your doorstep. Send recorded delivery.

 

Don't speak to them on the phone... ever. They are liars and Bull****ers so if you have everything in writing then everyone knows where you stand. Re : O2.....I don't know the proceedure for dealing with them but I'm sure someone who does will be along to advise:)

[Ozman]

Thanks kurvaface. I've knocked up a letter to send them regarding the doorstep visit which I will be posting today. I just hope one of them doesn't turn up in the meantime.

[kurvaface]

I think when p2c visits, they don't warn you about it. get the letter sent off asap:)

[Huff&Puff]

I'd send them a "prove it" letter, the fact that they are prepared to settle for 20% of the amount originally claimed suggests that they don't have a legal leg to stand on. That'll put the alleged debt into dispute, and they can't take any further enforcement action until they come up with some evidence.

[Ozman]

I'd send them a "prove it" letter, the fact that they are prepared to settle for 20% of the amount originally claimed suggests that they don't have a legal leg to stand on. That'll put the alleged debt into dispute, and they can't take any further enforcement action until they come up with some evidence.

 

The £96 is what I actually owe O2 for outstanding phone bills. The £400+ debt is to cover the remainder of the 18 month contract I have defaulted on. They weren't saying that they wanted a percentage of the debt, they were saying if I payed them the £96 I owed, they would instruct O2 to continue where I left off with the contract, reconnect my phone, and continue to accept the £35 per month until the contract ended - effectively acting as if nothing had happened.

Instead, because I can't afford to pay the £96 and clear the arrears, they are demanding the full amount for the duration of the contract.

[kurvaface]

Instead, because I can't afford to pay the £96 and clear the arrears, they are demanding the full amount for the duration of the contract

 

It's that kind of demand that shows just how mentally submormal DCAs are - thinking that if you can't pay 96 quid, your ok for 400.

[beachcomber60]

Dont get worried about P2C - they are nothing to get upset about.

 

I had a 72 hr notice to contact them regardin crap1, received their letter on a Friday and their representive knocked on my door 08:45 on the Monday

morning, after he found the right id card for who he was representing (he had about 6 id so obviously a freelancer) he was not so nicely told to bog off, all he wanted was for me to speak to crap1 on his phone - no ruddy chance says I, followed him down the road, opened his car door and shoved a 'DO NOT come back note on his lap. Didnt it make me feel sooooo good.

 

Beachy

[kurvaface]

The 72 hour notice is a funny one really. I had 2. For one, I rang CSL up and asked when does it start? and the baboon on the other end said when you want, for the other I asked when does the 72 hours end and he said something like "4 days":D

[questioner]

These clowns hounded me for months then later closed the case when they could not give me a CCA - I am now complaining to the governing bodies about them.