Problems with Ultimate Credit Services

[mister.g]

I'm trying to sort something out for a friend. They recently received a phone call from a company calling themselves Ultimate Credit Management asking to call them back asap - which they did. "When speaking to their representative (who was incredibly rude, obnoxious and just an all round tosser) they were advised that the account had been passed to them by Activ Kapital re. a debt from around 4 years ago. They've never written to my friend before now (my friend didn't give the original creditor an up to date address however collection agencies use trace methods to track people as far as i know?) never phoned them before now but are now expecting my friend to pay either £675 at £45 per week or £510 as a settlement figure. My Friend doesn't dispute the original debt but wants to obtain more information about it. Are we able to request proof of the original debt, what (if any) charges the DCA's have applied to the debt etc.

 

I'm pretty green around the edges when it comes to debt therefore it may seem like i'm asking stupid questions - any help i could get would be gratefully received.

[tooth_fairy]

Yes your friend should submit a CCA request to the DCA and also send a SAR to the original creditor.

 

The CCA request must be accompanied by a £1 fee, payable by Postal order or Cheque.

 

The SAR will be £10, I know that it may seem like an outlay but if your friend has accumulated charges, she will be able to reclaim this £10 fee too.

 

I also suggest that she sends an anti-telephone contact to the DCA as many things can be made up if you have no proof of things in writing, your friend needs everything in writing.

 

Good Luck

[mister.g]

That's great, i'll get right on it for them when i get home from work this evening. They'll be a lot happier with a definitive course of action.

[ste32]

Warning for anyone contacted by UCS I received a call from them and spoke to someon very similar to one of the previous posts we had a 15 minute heated discussion he kept telling me not to speak over him i owed the money he would take me to court and I would lose and I was lying about my ID being stolen.

[riggers15]

Hi All

first time on here i also had phone call's from Ultimat credit services and I sent off the template letter for the cca for the dca i sent it to the offices in scotland and sent it recorded.

Ive checked the royal mail tracker system its now telling me that its being returned to sender

Has any body got the right address and what happens if i have sent it to the right address and they refuse to sign for it ?

cheers

[ste32]

There address is level 3 Hope Street Glasgow G2 6PS

 

Bear in mind UCS are breaking a lot of the code of practice of the office of fair trading including Harrassment/ and asking people to ring an 0870 number which under section 2.2h is illegal. Check the link below if UCS are comnstantly ringing to see if they are breaking the code to and make a complaint through a solicitor.

 

I would suggest you get a solicitor and make a complaint to Trading Standards if necessary.

 

you.http://www.actcredit.com/OFT-Debt-Collection-Guidance.pdf

[loyalbrummie]

could you put down the full 0870 number please as i might be able to get you another number for them .

[ste32]

I have another number an 0141 numberbut the point is it is illegal for them to ask you to return their call on an 0870 number. They are not abiding by the laws that have been set.

[riggers15]

hi All

Thanks for the quick replay's the phone number Ive got is 08701125810

at this time they are calling about twice a day

when I do speak to them they are rude and told me to start making payments even though i not currently working when i said i didnt recognise the debt the advise me to do the same as one of their customers had done and do a car boot sale to pay them they would not be sending out any paperwork to me

[ste32]

WHATEVER YOU DO PAY NOTHING. If you pay anything the six year and a day rule will stop You must pay nothing. Not even 1p. If you owe it get your solicitor to negotiate if you don't then fight them.

 

As you not working you can get legal Aid get a solicitor immediately like I have.

 

If you can record the conversation and note all the times they call they are breaking the law they cannot tell you to get a loan or sell things.

 

You must get a solicitor involved. Don't answer the phone if you know it's them.

 

Don't let them scare you. Anyone can ring someone and say that you owe them money.

[riggers15]

Hi

Thanks for the help and good info

I would like to know what happens now thatIive sent them the request for a copy of the cca but ive not had a replay in 2 weeks

thanks riggers

[suzannahw]

I have just had a phone call from Ultimare Credit Services Glasgow advising that I am due £2380 from a bank of Scotland debt 4 years ago. This debt was an overdraft on my husband and I joint current account. We were going through a very difficult time at this point and most of this debt was due to bank charges, my husband was declared bankrupt 4 years ago and this was one of the debts that was listed with our trustees. Things have vastly improved, we sold our house made a tidy profit and through our trustees cleared off all debts. A very patronising man called me today advising that I was still 100% liable for the full ammount of this debt even though a proportion for my husband had been paid through the trustees, he would not give me the account details that this was relating to said it was irrelavant and that he had more knowledge of debt recovery than a solicitor and that he was informing me that he was arranging that a sherriff officer was to visit, if I could not pay then I would then be declared bankrupt through the court. I spoke to his superior who was a bit better and he advised me to find out the amount paid to the trustees and call him back on 08701125810 with information, surely this can't bre right can anyone advise

[suzannahw]

Hi all, Can anyone tell me what CCA is and the 6 year and 1 day rule is ? After the call from USC and reading previous posts I'm now determind to win this I have been on websites and have found out a lot of good info.

!st they are breaking the law by phoning, 2nd harrasment, 3rd Asking me to call a 0870 number, 4th threats with sherrif officers. I have worked out that this debt goes back to a HBOS account that I have not had since 1999 for overdraft. I feel that they have bought this debt from HBOS thinking that they are quids in with a recovery and a fat commison for the patronising, obnoxious little weasel of a man who made the call, well let the fight begin. A.ny comments are most welcome

[diamondstone]

Hi Suzannahw

These sound like a nasty bunch!

I will tell you what I know - the 6 year rule - I guess what you are referring to is a debt that is over 6 years old and no payments made in that period. The debt then becomes Statute Barred - which means UNENFORCEABLE.

Hopefully someone more knowledgeable will advise you, but I don't think a CCA is relevant for an overdraft.

A CCA is a request for a true copy of the signed Consumer Credit Agreement which a DCA is required to send to you.

Templates are on this site for CCA request letters.

Sorry I can't be more help, but at least this will bump your posting up the list. Good Luck.

Diamondstone

[suzannahw]

Hi dimondstone

Thanks for the reply

I have not had a call from them since I requested what this account was relating to and advised them that if they could not provide this infomation in order that I call the Bank of Scotland myself then do not contact me a gain. We will wait and see if they call but if they do I will be ready for them. Many thanks for the advice.

[sillygirl1]

I have just had a phone call from Ultimare Credit Services Glasgow advising that I am due £2380 from a bank of Scotland debt 4 years ago. This debt was an overdraft on my husband and I joint current account. We were going through a very difficult time at this point and most of this debt was due to bank charges, my husband was declared bankrupt 4 years ago and this was one of the debts that was listed with our trustees. Things have vastly improved, we sold our house made a tidy profit and through our trustees cleared off all debts. A very patronising man called me today advising that I was still 100% liable for the full ammount of this debt even though a proportion for my husband had been paid through the trustees, he would not give me the account details that this was relating to said it was irrelavant and that he had more knowledge of debt recovery than a solicitor and that he was informing me that he was arranging that a sherriff officer was to visit, if I could not pay then I would then be declared bankrupt through the court. I spoke to his superior who was a bit better and he advised me to find out the amount paid to the trustees and call him back on 08701125810 with information, surely this can't bre right can anyone advise

 

If this debt was listed with the Trustees and paid off you need to contact them pronto - tell them about the lying toad at the DCA telling you otherwise. If the debt was in joint names you should have both been made bankrupt. There are a lot of DCAs chancing their arm just now and this needs to go to the Trustees. I think you will find it is 'Nil points' to the DCA for their twaddle.

[Docman]

I'm not sure of the terms if the bankruptcy was in Scotland (where its termed sequestration, I think). In England, a joint account would be a 'contingent' liability, ie it only forms a claim your OH has to be responsible for if some other event occurs. In this case, that would happen if you had been unable to pay, otherwise the bank could come after you for the FULL amount.

 

Your OH should have listed it in his list of debts (Statement of Affairs) but it is up to the creditor whether they want to claim in the bankruptcy. They may have not claimed, in which case the Trustee would not have paid out to the bank. I would check with the Trustee to see if he paid the bank anything.

 

However, the statute of limitations would apply for the debt. That's six years in England but i think only five years in Scotland.

[riggers15]

Hi All

Heard nothin from UCS till yesterday when i got a letter from DLC(direct legal & collctions) quoting the same amout as UCS but this time offering a 60% ooks like UCS has sold on the debt to dlc will send out another request for a cpy of he credit agreement

[sillygirl1]

DONT send a CCA request to DLC, Curlyben has a 'second dca BOG OFF' letter around, use that instead. If anything you need to send a SAR letter to the original company who had the debt.

[suzannahw]

thanks for al the advice peeps i have' not heard a peep from UCS but will be ready for them if they do. Hubby to call trustees in the next couple of days, but still dont know what this is for i.e. due to being overdrawn on a account or a credit agreement and util I have this info as requested from UCS then they can wait.............

 

cheers Suz

[suzannahw]

Hi guys had another call from a Mr Wigton from UCS today AT MY WORK I advisd him that I would be sending him a letter requesting a copy of my CCA and would require this within 12 days. I also advised that they were breaking many of the points on the consumer credit act 1974 and that he would not get a penny from me until this was received. There was a very heated discussion, he said that this was guidelines but not law and there was nothing I could do they were well within their rights. He also said that he is not oblidged to send me anything as the company he is working for have already sent this .....!!*@ confused why would they send this when never requested. I had an answer for everything and he kept tripping himself up much to my delight and I took great pleasure in pointing this out to him. he also said that I had obviously done my research but so had he and he said he knew everything about my previous debts as he could access info ????????I told him that he was chancing his arm and that he was talking through his @rse also told him that he would not be getting his commision at my expense to which he replied wait for it he didnt get comm you can imagine my reply. I told him to calm down and go home and have a drink, 22 yrs hes been doing the job so smuggly says he knows what he's talking about advised him to go and re-train and much more besides on that note he started to get a bit screetchy and said that I was the most arrogant woman he has ever spoken to and then hung up. Any advice .........................he's messed with the wrong lady letter of complaint to OFT in post tonight

[suzannahw]

By the way phoning me at work is this not harrassment, is there anything I can do cant afford the likes of them calling me at work they take a very dim view on this whether your right or wrong and not been there long doesnt look good.

 

cheers Suz xx

[riggers15]

Hi Suz

ref phoning at work

I tell them i can't take personnel call at work due to comany rules and i will only cm by letter

 

riggers

[suzannahw]

Thanks Riggers but this horrible man is very presistant and I have a feeling he will continue to do this as he knows it is awkward for me. How do they know where people work anyway ???? He is adamant that what he is doing is right and lawful I dont think by me saying not to call me at work will make a blind bit of difference to him, if anything will make him worse. I will try though if he calls me again.

 

Cheers

Suz x x

[*charlie*]

hi guys,

 

Any advice for this one?

My boyfriend had an outstanding debt on his egg card which was then passed on to direct legal who then passed it on to ultimate credit services.

 

The man who we spoke to was very rude and agressive to us on the phone and demanded we start to pay the debt off immediately or legal action would be taken against my boyfriend.

 

We have made 3 payments of 213 pounds to UCS and the debt should now be cleared however they keep taking payments. Also the payments are coming from my account as my boyfriends bank won't allow him to make paymemts over the phone so we had to use mine. They also did this without my authority as I have not filled out any direct debit slips?

 

I am worried that they are going to keep taking payments from my account even though the debt should now be paid off?

 

Charlie