Are you being harassed on the telephone by your bank or by debt collectors?

[texel]

I have been having a problem with Mint and Lloyds TSB Both whom I sent cheques at a discounted settlement for oustanding amounts on two credit cards. I am not going to waste time going through how I arrived at the settlement figure that is another story. On each cheque I wrote full and final settlement, enclosing a covering letter stating that cashing the cheques would mean that they agreed with the settlement figure. Both cheques were cashed. I received a letter stating that the cheques were cashed as part payment etc. I finally handled the problem to a firm of solictors to take over. While discussing the situation. I was told that in Scotland harasment by telephone was not legal but letters were. I have not heard from Mint since the last letter from the lawyer. But TSB has phoned many times. The last letter sent from the lawyer was 12th. March. The lawyer asked TSB to write them setting their legal authorities. Also a copy of the contract between Lloyds TSB and myself on which they would seek to rely. These have not arrived. I am still getting calls daily and will get in touch with the lawyer next week after allowing time for the letter of 12th March to work through their system. The latest thing I am doing when I get a call I let the phone hang on for some time before hanging up. Most of the times I an not in the office so it goes on my answering machine.

[texel]

I had that kind of problem with LLTSB. Not nearly as many as you did. one or two per day. I finally got fed up and out it in the hands of my lawyer ( have not had the bill yet:o) I was told that harrasment by phone is illegal but mail is not!!! Now i don't know if this is just Scottish law( I live in Scotland) or if it covers both countries. Any way it worked and I have not had any phone calls since.

[texel]

Are you sure you are not just quoting English law. I was quoting from a Scottish lawyer!!

[texel]

Deshaine; I congratulate you on what you have written. I am getting fed up those others who won't give you a chance. Those who run up big debta with no intention of paying should get clobbered. However it is a different thing for those who by accident got cheques bounced dds returned and were hit with aweful charges!!! I am all for those people to get their funds back. I am also against harassment wether it be by telephone or letter. I have no sympathy for the banks etc. Threy brought all the problems on themselves. Keep on the good work:D

[texel]

rhysmond, read all Deshaine's posts before deciding that it is a cheap trick to discover tactics. He or she has given good advice. Its people like you who annoy me:mad:

[texel]

I agree with the above several replies. It is surprising the results when you say you are recording the call even if you are not. I now never deal with anyone on the phone. I tell them to0 write!!!!

[texel]

I had a similar situation with LLTSB. I logged each call though I never spoke to them it came through on my answer phone. Eventually I gave it to a lawyer as I was getting fed up. After three letters they stopped phoning. So i would suggest you give your list of calls to whoever is handling your debt problem and have them stop the harasment.

[texel]

Just tell them you don't deal on the phone only by mail. see the template on harassment letter Good luck

[texel]

Rorschach

I don't agree with your comments there is a difference between you calling and a stranger calling you! I don't believe you should give out any info until you are certain who the caller is. I had a caller phone me asking for personal info. I told him I do not give that out over the phone. He said I would give him that info as he would phone me every day until he got it. I told him if he did then I woulg sue him for har:mad:asment

[texel]

just tell them that if you receive one more call that you will sue them for harrasmant. I did that with allied something or other. So far have not heard any more. But will have to see what happens.