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    • Update on this for you:   Quick reminder, I wrote to Ford Finance for the SAR, and I also wrote to Link (again) requesting a breakdown of the alleged debt and how it was calculated. I have since had two identical letters from Link at the beginning of October just saying I owe them £628.83, but nothing addressing the alleged debt calculation/explanation whatsoever.   At the same time as the above letters, I also contacted Experian to refute the default on my credit record that Link had placed there. Experian have emailed to say they contacted Link and have had no response from them within 28 days regarding this, so Experian have suppressed this information from my report.   The SAR reply from Ford Finance has arrived. The £628.83 charge shows on the SAR comprising as "£14.99 D/Charge" (whatever that is), and "XS mileage £612.84", apparently worked out pro-rata.   As ever, any advice or comments most gratefully received as to how to proceed.   Thanks.    
    • Ok, so I would just ignore demands from ARC for now.   See what they do over the next few weeks and keep us posted ...........
    • click create in the top red banner   dx  
    • ok but that doesn't give us dates.....  
    • DD cancelled roughly a month after they stopped taking payment. Last used the gym a day before they closed. Used it almost daily. 
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Are you being harassed on the telephone by your bank or by debt collectors?


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

 

Stop being a victim

 

Turn the tables

 

Record your calls

 

It’s legal – and you don’t have to warn the other side.

Use the recordings for your own use such as evidence for the police or a private court case.

 

Assist the media in the preparation of public-interest exposures of bad practice.

 

 

 

We are hearing more and more about harassment by telephone. It is a relentless and upsetting experience.

 

 

Only recently the Halifax Bank was involved in a court case and it seems that they paid an out of court settlement in order to bring the matter to an end.

BBC NEWS | UK | England | Devon | Woman settles Halifax stress case

 

 

But there are indications that this Halifax approach to debt collection is continuing and that a similar style is used by many other organisations.

 

 

You may be a victim of this but you don’t need to be.

  • Do you feel under siege from repeated telephone calls received throughout the day and evening at over the weekends?
  • Are you frightened to answer your own phone?
  • Are you refusing to answer any calls where there is no recognisable caller-ID?
  • Are you receiving calls from numbers which only give automated messages when you call back.
  • Are you being harangued and upset by unpleasant collection agency staff?
  • Are you being required to give confidential identification details to anonymous callers?

Don’t put up with it any more.

 

 

Keep a log and start recording your calls.

 

 

If you use Skype as your telephone system then you can use a number of telephone recording programs.

 

We think that CallBurner is very good and we have managed to obtain a big 20% promotional discount for CAG Users.

 

 

We will soon be announcing a recorder which will record calls from your ordinary landline telephone as well.

 

More details of CallBurner and the CAG landline recorder coming soon.

 

 

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=119&a=96

 

 

 

.

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We will soon be announcing a recorder which will record calls from your ordinary landline telephone as well.

Can't come soon enough, but as with everything it has to be within our budget.

Any chance of hiring?

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Any chance of a freebie lol

 

I'm skint...

 

BB

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I have a gem. Get someone else to answer that isn't authorised to speak on your account to talk to the DCA and tell them they want to pay in full. Their beady little eyes will light up and their greed will take over. After they break the Data Protection Act and tell you the figure you can report them and that's serious right? Any flaws in this plan?

What sort of world do you want your kids to grow up in?

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When I answer the call, I correctly identify myself by name. When the debt agency then says 'I want to take you through 'security' and then ask me silly personal questions like my house number, I refuse. This stumps them because their procedures are wrong and the youngsters on the call don't know what to do.

The debt agencies bleat on about Data Protection Act requirements. Sure the DPA does require themto check its me when I ring them. They should check against information that they should already hold, such as my date of birth etc. But when they start the call, the tables are turned. I should ask them to verify themselves!

If you think I'm wrong, just think about it for a minute. You receive a call from someone who you have never dealt with before. They ask you for your date of birth or some other such piece of personal data. You willingly answer. How do you know they have the information to check against in the first place? On the other hand, if the call was from an identity fraudster, you have just started to give away some personal information, free of charge. No wonder ID fraud is growing rapidly.

DON'T GIVE OUT PERSONAL INFORMATION TO ANYONE YOU DON'T KNOW. IF A DEBT AGENCY CALL YOU, IDENTIFY YOURSELF CORRECTLY BUT DON'T SAY ANY MORE UNTIL THEY TALK TO YOU PROPERLY. So far, all the agencies I have dealt with have gone away empty-handed.

Docman

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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We will soon be announcing a recorder which will record calls from your ordinary landline telephone as well.

Can't come soon enough, but as with everything it has to be within our budget.

Any chance of hiring?

I am working on the whole project at the moment.

No chance of hiring, I'm afraid. We just don't have the resources to handle the logistics and support.

 

It will all depend on import duties at the end but I am confident of sub-£40 for a recorder which will monitor your phone calls and save the sound file to disk.

It should allow you to make notes of your call and to save them with the soundfile

 

We have been testing some recorders for a while and they seem pretty good but the software is a disaster.

We are having software written for the recorder right at the moment.

It should function as a pop-up and as long as your recorder is connected to the phone line and also to the computer - and as long as the computer is on, you shouldn't need to think about doing anything else as it will just record and save each file automatically.

 

In a way it will function as a hardware equivalent of CallBurner.

 

We'll see.

 

I can tell you that for the kind of hardware recorder and supporting software which we are hoping to supply the going rate seems to be at least £130-150 on the internet

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I'm seriously thinking about trying my idea out which is outlined in my previous post on this thread. I plan to answer the phone next time one of them rings and say that my dad is out. I will then ask them if it is about any money he owes, as I will happily pay it off. I will ask them for the figure and who the debt is with. If they supply me with that information and I record it how much trouble can I get them into? I will do anything to stick it up them. Obviously I will not be paying them a bean. I just want to know it is worth me doing and that the plan is sound. I am convinced some of them would fall for it. *Any comments appreciated please.*

 

P.S. If anyone is confused about why I don't follow my own advice of a number change (as advocated in a previous thread) it's because my dad wouldn't go for it! Mistake in my eyes, but it's his phone line...

What sort of world do you want your kids to grow up in?

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I'm seriously thinking about trying my idea out which is outlined in my previous post on this thread. I plan to answer the phone next time one of them rings and say that my dad is out. I will then ask them if it is about any money he owes, as I will happily pay it off. I will ask them for the figure and who the debt is with. If they supply me with that information and I record it how much trouble can I get them into? I will do anything to stick it up them. Obviously I will not be paying them a bean. I just want to know it is worth me doing and that the plan is sound. I am convinced some of them would fall for it. *Any comments appreciated please.*

 

P.S. If anyone is confused about why I don't follow my own advice of a number change (as advocated in a previous thread) it's because my dad wouldn't go for it! Mistake in my eyes, but it's his phone line...

 

They are good at passing on information to strangers as I found out, pity I did not record it. So yes I agree your theory stands a good chance of working. Breach of data protection with recorded proof is a serious offence and I would guess the DCA's will satisfy the ICO initially by sacking the member of staff to protect their own "reputation", however the more it happens then it will become obvious that it was not a one-off mistake.

 

I did find one thing on the data protection register that confused me, they all appear to be registered stating contacts with "debtors and their families". Personally I think this is nonsense as data is personal not for a family member to be informed by a 3rd party. My only guess as to the true meaning on the register is they can discuss with any party divulged on the CCA (although that is unfair contract terms as they often insist you name a partner when signing the contract). Anyone know what the register is actually saying?

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When I answer the call, I correctly identify myself by name. When the debt agency then says 'I want to take you through 'security' and then ask me silly personal questions like my house number, I refuse. This stumps them because their procedures are wrong and the youngsters on the call don't know what to do.

 

The debt agencies bleat on about Data Protection Act requirements. Sure the Data Protection Act does require themto check its me when I ring them. They should check against information that they should already hold, such as my date of birth etc. But when they start the call, the tables are turned. I should ask them to verify themselves!

 

If you think I'm wrong, just think about it for a minute. You receive a call from someone who you have never dealt with before. They ask you for your date of birth or some other such piece of personal data. You willingly answer. How do you know they have the information to check against in the first place? On the other hand, if the call was from an identity fraudster, you have just started to give away some personal information, free of charge. No wonder ID fraud is growing rapidly.

 

DON'T GIVE OUT PERSONAL INFORMATION TO ANYONE YOU DON'T KNOW. IF A DEBT AGENCY CALL YOU, IDENTIFY YOURSELF CORRECTLY BUT DON'T SAY ANY MORE UNTIL THEY TALK TO YOU PROPERLY. So far, all the agencies I have dealt with have gone away empty-handed.

 

Docman

 

 

I agree that security questions should not be answered. It is for them to tell you the security answers of your choice when they call you.

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I did find one thing on the data protection register that confused me, they all appear to be registered stating contacts with "debtors and their families". Personally I think this is nonsense as data is personal not for a family member to be informed by a 3rd party. My only guess as to the true meaning on the register is they can discuss with any party divulged on the CCA (although that is unfair contract terms as they often insist you name a partner when signing the contract). Anyone know what the register is actually saying?

 

This concerns me very much.

 

I think that this would be worth bringing up with the IC for clarification.

 

Even though this seems to be the terms of the registration, DCAs would still have to show that they had obtained consent from the data subject - whether by contract or otherwise to reveal personal data to family members.

 

Of course even if those consents have not been obtained, it is still very possible that DCAs may still harass and give information to family members or other third parties and then try to rely on their IC registration if evidence were ever produced to show what they were doing.

 

Of course, evidence is nearly never obtained and this is why recording and logging calls is so important.

I expect that it could put an end to telephone harassment within weeks.

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Another new ploy they have adopted is if you bar their numbers is to send an SMS to your house phone from the number you have barred. If you hear the message from the lovely woman at BT you have recieved a message from 0123456789 and you know its a DCA that you have refused to deal with then press option 3 and delete the call without listening to it simple:D

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If you record your calls then stop avoiding the DCAs.

Start taking your calls.

 

Every call, every insult or abusive comment, every call at unsocial hours is a further nail in their coffin,

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Subscribing. Thanks for the pm Aktiv.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008.

 

 

 

Complaint to the OFT about DCA's threatening legally action on statute barred accounts

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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Some DCAs' are using automated calling without a 'real person'. Connaughts are one such agency that call and it's an automated message asking you to call them ...

 

I had someone call yesterday, a real person, that was extremely miffed that I hung up the phone. She called back and gave me a mouthful of abuse asking why I felt the need to hang up and what gave me the right to! My answer was that I pay for the phoneline and can terminate a call or choose to not answer it at my descretion. She mumbled something about it being illegal and deliberate avoidance for not supplying information relating to a debtor.

 

I applied a different tactic and left her to rant whilst I carried on vaccuuming the hallway. If they are paying for the call then they are welcome to shout as loud as they like on the telephone but nothing in law says that I have to listen to it.

 

It's your phone so it's your call in who you talk to and when. Log the calls but don't let them annoy you or make you feel that you have to give information. Turn the situation around and ask for their name, address, shoe size and if they would like a new kitchen or new UPVC windows fitted.

 

Don't be bullied and insist they put anything they have to say in writing.

 

Steeley

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Some DCAs' are using automated calling without a 'real person'. Connaughts are one such agency that call and it's an automated message asking you to call them ...

 

I had someone call yesterday, a real person, that was extremely miffed that I hung up the phone. She called back and gave me a mouthful of abuse asking why I felt the need to hang up and what gave me the right to! My answer was that I pay for the phoneline and can terminate a call or choose to not answer it at my descretion. Quite Right She mumbled something about it being illegal and deliberate avoidance for not supplying information relating to a debtor. I wonder what law that comes under. Certainly not one that I know or have heard of

 

I applied a different tactic and left her to rant whilst I carried on vaccuuming the hallway. If they are paying for the call then they are welcome to shout as loud as they like on the telephone but nothing in law says that I have to listen to it.

 

It's your phone so it's your call in who you talk to and when. Log the calls but don't let them annoy you or make you feel that you have to give information. Turn the situation around and ask for their name, address, shoe size and if they would like a new kitchen or new UPVC windows fitted.

 

Don't be bullied and insist they put anything they have to say in writing.

 

Steeley

Just hum over the phone that drives them mental

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I've just read everything here, but i can't see what happens next. When you've recorded everything and logged everything, what do you do with the information?

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chris w, not information, evidence:) of how Banks/dca's are acting beyond the law, and when you complain to TS OFT etc or when you take said companies to court for harassment you have proof of how despicable they really are.

There is no need to ring people constantly making peoples life a living hell:mad:

And maybe cc to the media;)

LTSB court date 25/7/07

17/7/07 I WON I WON I WON!!!!:p :grin:

HSBC court date 11/9/07 (stayed)

CapOne lba 7/1/08-15/3/08 WON.

Citicards lba 14/1/08

 

Read Read and Read Some:razz: More

 

If I've been helpful in anyway please tip my scales:rolleyes:

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts.

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Hi Chris. You send them the telephone harassment letter which should also include the request to ONLY write to you. I really would send it special delivery and keep a copy of the letter and special delivery receipt and get a printout from the Royal Mail website with electronic proof of delivery. Then, after they keep harassing you by telephone (highly likely) you report them to TS, OFT and the media too. Every time they phone keep referring to the letter you have sent and spell it out to them again and again. Keep telling them you WILL report them and take them to court. Most importantly, I think, is to take them to court and sue for damages. I think if you do everything I have said and go to court armed with all the evidence you really could get substantial compensation. The beauty of it is they probably won't listen to you. Let them dig their own graves. I think anyone doing this has to give it a long think and not wilt after they start the process. After they have been sufficiently rogered they WILL get the message. I am planning my campaign now.

What sort of world do you want your kids to grow up in?

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I am still having major problems with HSBC despite using the CAG template threatening Court Action and quoting the relevant Acts. I just don't answer the phone to them any more. They ring from an 0800 number so I have bought a caller ID phone, and just don't answer, but I am still getting calls from them at any time from 7.00 a.m. - 11.00 p.m. 7 days a week!

 

I am not with BT any more, as I got a cheaper deal from Bulldog. I rang them up to ask if I could bar the number from calling me, but they were a bit non-plussed and not too helpful. I wold reallly like some proof from them as to when this number has called, but I'm not sure Bulldog records are up to this. Has anyone else had a similar problem. I have started to log calls, can't record anything as I can't answer the phone to them any more, I am so fed up with this.

 

Thanks for reading - any advice will be very gratefully received!!

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They are not allowed to phone you before 8-00am or after 9-00pm so if its them you have them by the bol***ks I suggest you ask for their official complaints procedure. Just ring the 0800 number fro a public call box to make sure it is them.

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Thanks for the information, I know it's them, I've got their number, and they do display it when they call me. They rang at ten past eleven the other night!!

 

Should I look to get this into Court? I don't know whether harassment is a civil or a criminal action even?

 

Thanks!!

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Unfortunately you do need proof of the calls hence the recording equipment for calls taken. If you seriously do not want to answer the phone and as you have caller display, evidence could be obtained by filming the caller display as it rings with either a camcorder or mobile camera phone (both will have date & time displayed), keep a manual log too.

 

I assume they use apredictive dialler which will keep trying until the phone is answered, does your phone company have an automatic answer message after so many rings? if not an answer-machine might cut down on the number of calls during each day.

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I am still having major problems with HSBC despite using the CAG template threatening Court Action and quoting the relevant Acts. I just don't answer the phone to them any more. They ring from an 0800 number so I have bought a caller ID phone, and just don't answer, but I am still getting calls from them at any time from 7.00 a.m. - 11.00 p.m. 7 days a week!

 

I am not with BT any more, as I got a cheaper deal from Bulldog. I rang them up to ask if I could bar the number from calling me, but they were a bit non-plussed and not too helpful. I wold reallly like some proof from them as to when this number has called, but I'm not sure Bulldog records are up to this. Has anyone else had a similar problem. I have started to log calls, can't record anything as I can't answer the phone to them any more, I am so fed up with this.

 

Thanks for reading - any advice will be very gratefully received!!

 

Answer your phone and ask them not to call again. Either way it's breach of debt collection guidelines and harrassment under the Telecommunications Act if they continue. Log the calls for future reference as you may be causing them a loss but you are not the loser they take you for.

 

Steeley .

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Hi - the last time I spoke to them, I asked them not to call again, but as the guy on the other end barely spoke English, and I have a broad Brummie accent, I'm not at all sure he understood what I said. This is why I gave up on talking on the phone, but I have written and copied all of the letters explicitly saying that I am not prepared to talk to them on the phone any more and that I will only answer written correspondence in future. I do have an answer machine that clicks in after a few minutes, not sure if I could actually get a photo of the phone first though as it's relatively quick and there isn't the option with Bulldog as there is with BT to amend the number of rings. It's been about 4 weeks now since I sent the big batches of copied correspondence to all of the addresses I have for HSBC but apart from a couple of days break they have continued to call. Should I be able to get phone records out of Bulldog, or is this something only the police can do?

Thanks for your help guys.

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