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    • I don't understand the bit about looking after your own being criminal, TJ. Could you expand on that please?
    • A somewhat good result. After more chasing, they've sent me a spreadsheet of the accounts for fire protection, water charges and electric.  Communal Electricity - Estimated £45.00, Actual £241.73 - Revised: £41.63 Communal Water - Estimated £3.66, Actual £234.91 - Revised: £76.96 Fire Protection - Estimated £2.08, Actual £147.65 - Revised: £51.15 Still it seems too high, the total for this estate alone for water charges came to £62,950.07 last year. The thing is, they've listed blocks that don't seem to exist on our estate. Possibly from the new development that has only just been built on the estate, which was finished in the summer this year.     
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Are you being harassed on the telephone by your bank or by debt collectors?


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It's not the timing of the calls that most are complaining about, it is the frequency.

Some members on here are reporting 20 or 30 calls per day, that's harrasment irrespective of the time they are made.

 

I agree, 20-30 calls per day is excessive. I was merely questioning the legitimacy of what you had written as, unfortunately, there are lots of rumours which circulate regarding what is legal and what isn't.

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You've read too much into that. If a debt agency buys the debt, they will follow procedures to claim what is owed by the party in debt - this is often when assets are taken from the party in question, simply because there is no other option for [them] to clear their debt. Yes, it needs to go through court, but with debt rising it's becoming a more common occurrence. So what I said isn't entirely erroneous.

 

Anyway, don't bite my head off, I was merely trying to give some advice :)

 

Good luck, you probably need it?

 

No I haven't read too much into that. What I have read is someone spouting complete bull and trying to say that DCAs are nice people and do not swear, lie, harrass or cheat in an attempt to bully money from someone in financial trouble.

 

What really feeds my hatred about DCAs (and nothing will EVER change that hatred), was a friend in hospital dying, when told this in a phone call from the dca, they asked the daughter if she could go to the hospital and get her to sign a cheque before she goes.

Does that not show the complete **** they are?

 

Your actual words prove that point - Quote - Alternatively, the debt might get sold to a debt recovery agent. If this happens you'll have bailiffs knocking on the the door. - Unquote.

 

Exactly the sort of lies put into letters in order to frighten people.

 

Added by edit.

 

Your response to aktiv has another shining example of how you care not in the least that someone may just not be in a position to pay at that time.

 

even better, paid your debt

 

With rent, gas, electricity, council tax, water bills and food, (the basic life support things), to be paid, someone on statutory sick pay cannot always afford to pay non essential demands, usually by harrasement, but offered councilling with a view to assisting that person .

 

And just to add a little bit more:

 

If a debt agency buys the debt, they will follow procedures to claim what is owed by the party in debt -

 

Don't forget the bit they add on top of the amount owed as well.

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So if I didn't care I would never have posted a comment explaining the often ignoble procedures that DCAs follow? I see. Seems that most people are just looking to blame their debt on others.

 

Anyway, I'm leaving this forum and won't be checking it again, so 'quoting' my replies will serve no purpose whatsoever as I won't be bothering to check. Good luck to those who have been ill treated by these companies, and that is sincere.

 

Conniff - your 'foreign aid' quote illustrates what you're like as a person perfectly. Your debt: maybe stop spending the 45p everyday on the Daily Mail, that way you'll be getting somewhere with your arrears! Ha.

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"Well, if you don't play by my rules, I'm taking my ball away!" I thought we had grown up but obviously EB hasn't and still reverts to the school playground mentality.

 

I just checked back to EB's first post a few days ago which quoted my post on DCAs calling and quoting the Data Protection Act. I posted the comment last June, so it looks like some new members do look back.

 

I wonder which DCA or bank EB worked for?

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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you can obviously tell she is from a DCA, bank or some other type of company.

 

Playground mentality is a good thing for it.

 

Oh and following procedures to claim money that is owed in a debt.

 

That makes me laugh as they try and claim on debts that are not legal.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I wonder which DCA or bank EB worked for?

 

Who knows. What I will say is that the freaks that usually turn up on here are probably motivated financially. That would suggest that they hold a position of at least some power within their respective 'organisations'. It wouldn't actually surprise me at all if some of the top dogs showed their ugly mugs here. I mean can you really see the phone monkeys coming on? I don't think so. Perhaps they are finding it harder and harder to feed their cocaine addictions? :lol: :lol: :lol: If two of the more senior saddos I spoke to the other week about some of my debts weren't nasty cokeheads (i've known a few unfortunately) then i'm an Irishman! I would love to see the expressions they pull when they log on and see large debts disappear in front of their eyes! It must hurt their pockets so! Ha ha ha ha ha ha ha ha ha ha ha ha ha ha!!! Read my post and weep you King Canutes! :-D :-D :-D

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

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you can obviously tell she is from a DCA, bank or some other type of company.

 

Playground mentality is a good thing for it.

 

Oh and following procedures to claim money that is owed in a debt.

 

That makes me laugh as they try and claim on debts that are not legal.

 

I must admit, the reply I had of EB was rather presumtious, how would EB know if AK write before phoning? Pity they do not check their facts first though as it would save a lot of trees and call fees.

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yep

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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I think they intend on learning how they should operate.

OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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OFT debt collection guidance

 

Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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Another regulator to complain to about DCAs, I think. Looks like this one is actually using its powers.

 

There is also another reason to complain. If a DCA is fined by a regulator, it would then have to be notified to its own regulator (ie the OFT come 6 April) who could then pull any licence.

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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Ive been having problems lately with DCA acting on behalf of Halifax credit card calling from this number 01772 557600 they are from Preston apparently but they call me at home most days and have even called my mobile.

I refuse to give them any details and just hang up, they usually try with a chap at first and after a bit of **** taking they realise they are not going to get anywhere.

Then they call back almost straight away this time with a female thinking im actually going to speak to her, needless to say they get the same treatment.

What id like to know is where they got my number from as ive only had it a few months and im ex-directory and in those months ive not had any communication with wny of my debtors what so ever?

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They can't get numbers from nowhere. What companies did you give your number to? The way I do it is to have a personal line and a company line on the broadband extra line. It works well.

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

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What id like to know is where they got my number from as ive only had it a few months and im ex-directory and in those months ive not had any communication with wny of my debtors what so ever?

 

I would write a recorded delivery letter and ask them. If they're in breach of DPA, then you can have them...

If my comments have been useful please click the scales and let me know.

 

Me vs Rockwell/Tessara/RBofS: pending.

Me vs MBNA/1st Crud: Discontinued.

First Direct Overdraft: CCJ won.

IR: 2 CCJs 1 won.

Birmingham Midshires: pending

BT: pending

others to come....

 

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They can get your number from numerous sources such as store cards, your bank, simple things like filling out a warranty for a new TV. All these details are passed on to the CRAs who share them with their good buddies in the DCA industry

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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.

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ODCThey can get your number from numerous sources such as store cards, your bank, simple things like filling out a warranty for a new TV. All these details are passed on to the CRAs who share them with their good buddies in the DCA industry

 

My home number is quite literally brand new and not even all of my mates have it, i havent applied for anything or given it to anyone so unless they got it from BT or SKY then i cant figure it out!

Does anyone think its worth changing a number to get these chimps off my back or will they just manage to find my number again.

Just hanging up is the best way maybe?

Even so they have my mobile no and i always ignore numbers i dont know or witheld numbers on that regardless as ive a separate number for work.

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If you do not know how they got the number, it is pretty pointless changing it until you do know.

 

Most use autodiallers so say something for it to recognise a human voice then once connected to the call centre hang up, or just let BT1571 take any message they wish to leave.

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Get chose to refuse on your phone. That way by punching in a code you can bar certain numbers. Works a treat and really pees off the DCA threat centre monkeys

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I had chose to refuse and anonymous call barring on my phone for about a month and then I cancelled it as I could not justify the expense and felt better able to deal with them anyway.

 

However I am still completely DCA call free and I would guess it's because it has gone into their records that I have these services in place and they pass me by.

 

I don't expect this will last for ever, but even as a short term measure this will noticebly ease the pressure from this type of DCA activity.

 

Zazen

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I beleive it should be a statutory right (and free/part of the service) to have 'choose to refuse'.

To have to pay to refuse unwanted calls seems to me an abuse of your privacy...

If my comments have been useful please click the scales and let me know.

 

Me vs Rockwell/Tessara/RBofS: pending.

Me vs MBNA/1st Crud: Discontinued.

First Direct Overdraft: CCJ won.

IR: 2 CCJs 1 won.

Birmingham Midshires: pending

BT: pending

others to come....

 

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I had a call from some poor unfortunate from Oxendales this morning, he got the 'in writing only' bit followed by silence.

 

I felt quite sorry for him as he kept blustering 'This will not do miss **** this will not do at all...' as I stood there thinking 'well it's all you're getting mate!'

 

I don't know how long he stayed on the phone, I went off and played some nice new age music featuring Tibetan Singing Bowls and left him to it.

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I found that our DCA friends got very excited when in response to their command asking me to answer security questions I simply said "No because" ..... and then played "Fings Aint What They Used To Be" by Max Bygraves:grin: . YouTube - Max Bygraves-Fings Aint What They Used To Be

 

Onwards and Upwards

 

Chalkitup

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