Jump to content

  • Tweets

  • Posts

    • Thank you Bankfodder.  I used the term frustrated agreement purely based on my own research and what I found on the Govt's website, especially in relation to Covid.  My situation appeared to fit but if it doesn't, it doesn't. The length of time the actual works themselves will take is not written into the agreement but I was told 2 weeks, they are doing the interior ceiling and electrics too. I was prepared to accept the new date of 7th Dec until I was told I couldn't speak to their Director for two weeks and then found out that they haven't applied for building regulations yet, this is something else they are doing on my behalf.  As they can't order anything until they have the regs through I can't see how the roof is in the process of being made (which is what they keep claiming). I contacted the CAB as I wanted this wrapped up for the weekend and had two conflicting recommendations on this forum.  One to just let the credit card company handle things and others saying I must give more time.  I'm not complaining, am grateful for advice - just getting more and more confused as to what I can/can't do. If I can avoid it at all I would rather not go through another 6 weeks of this, waiting for them to prove that they can't manage the Dec.date.  By that stage it could well be feasible that the roof is in the manufacturing stage, where as at the moment it can't be, which would further complicate things. Based on all this and what the CAB said I sent the email below last night and received Homeview's response this morning. If it came to it that I retracted what I've said and allowed them to go ahead for 7th Dec. and they didn't manage that date, wouldn't it be the credit card company that would recover the deposit - not me?  BTW I raised a dispute with Capital One last night. Email.pdf
    • oh dear  i think you are in for a big shock   i doubt very much the loan is settled there will be £100's in unlawful fees i bet   we have numerous threads here about them in 2016 they were residing at   PO Box 1044 ipswich IP1 9YA   i would be sending them an SAR  don't ever ring them.   have you checked your deeds online recently? check they are on there. and has the loan ever been subject to legal action?   if not that would be a rare thing to us.   https://cse.google.com/cse?cx=partner-pub-8889411648654839:3134625398&q=Skye Loans&oq=Skye Loans&gs_l=partner-generic.12...0.0.1.951169.0.0.0.0.0.0.0.0..0.0.csems%2Cnrl%3D13...0.0....34.partner-generic..1.0.0.1dXrS2w9t2c    
    • doesn't say will anything. read it properly and carefully.   only the owner of a debt can get one of the many fake/tame paperwork only solicitors to issue any proceedings and they would have to abide by the courts pre action protocol of 30  days letter first!   as it's owner...i can try and instruct my dog to sit, if it does is a totally different matter. if my neighbour, who doesn't own my dog, tries it, it would ignore them.   the bottom line is there is nothing anyone can do to you. gyms don't do court gym debts don't appear on credit files.   any DCA they might get to write to you ARE NOT BAILIFFS any a DCA has ZERO legal powers on any debt, no matter what it's type.   dx    
    • This letter arrived in the post today, please advise how to proceed. I know the forums say they won't action but am very worried about this
    • go save his bacon clint and put him right...   dx  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • 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.
       
        • Thanks
      • 3 replies
    • 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!
        • Thanks
        • Like

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


Please note that this topic has not had any new posts for the last 3839 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

As well as the telephone harrasment letter does anyone have any relevany piece of legislation to point out to these cretins??

I have sent them a letter, repeatedly told them written communication only but they still keep calling!!

Link to post
Share on other sites
  • 3 weeks later...
  • Replies 722
  • Created
  • Last Reply

Top Posters In This Topic

Is the DCA in question 1st Credit? If so, they tried the same **** on me. I don't believe they can get a charging order as my original debt was unsecured. And I also believe the debt is statute barred in any case as this is more than 6 yrs old. If anyone's able to confirm this, I'd be grateful...Got some help which was great, but unable to get confirmation about the charging order.

 

TIA :)

 

Anyone can get a charging order if they go to court and claim you owe them money. It can be defended, but in my case I did not hear about the case beforehand - judgement just appeared one day. It was easy to get it set aside, as I had a strong argument that there was no debt :-) But if you have admitted the debt, then it may be more problematic...

 

If it is statute barred, then you have a defence...

 

 

Regards

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....

 

Link to post
Share on other sites

Wondered if anyone has received any help from CAG in persuing a harrassment case. I asked for help a few months back. In response I received a PM from a moderator asking me to email Bankfodder. I did this but received no reply. I was tied up with other matters in the interim, but was given a prompt a couple of weeks back and came back to the harrassment. I PMed the moderator, but again I have had no response.

 

My details are in this post on this thread.

 

I would like to talk to a reliable solicitor who is not too expensive in order to get advice and possibly take action...

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....

 

Link to post
Share on other sites

My mother recieved a call yesterday from a debt collector who was looking for my ex-wife (we divorced YEARS ago) and they were very aggressive and abusive. We have no contact details for my ex, she moved back to Japan befoer the divorce and I have no interest in knowing where she is...you understand.

Anyway, they did not identify themselves, but said that she had used my parents address and that therefore they must know where she is. They have not seen her or heard from her in 10 yearsand their address was NEVER her address!

 

I want to help them know what to say if these people call again. Help please?

Link to post
Share on other sites

If they refuse to identify themselves on the phone then tell them to Feck Off. You could of course ask them for a contact number and then you will be able to find out who to send the Telephone Harassment Letter to. If you cannot get this contact your telephone company and report threatening phonecalls froma witheld number. Keep a log of the dates and times of the calls.

Link to post
Share on other sites

Just adding my experiences...

 

Capital One have phoned my workplace about three times despite being told each time in no certain terms NOT to and promising over phone to delete records only for same to happen again. Last case was couple months ago.. they say they have deleted my works number and will not call (we'll see)...

 

They have had two letters stating harassment etc - had reply to first saying basically no way will they delete my details as they reserve right to contact me (cheeky sods!). My second letter was sent special delivery and stated that I would be taking legal action and recording calls within x days of letter date. I also mentioned I do not give out personal information on the telephone and neither will I discuss financial matters on telephone. I have had phone line disconnected from the socket for my sanity for last few months........ :( then again I've always hated answering the telephone anyhow. Have Tiscali - BT say tiscali should deal with call barring... and tiscali say BT should deal with call barring.. round and round I go.....

 

I will be plugging line in again on the recording day.... oh and need to find recording device... any way connecting pc to landline... 1o_ years ago there was simple telephony software which did all that for you... answering machine, fax, etc.. plug phone into modem ( modem.. that must be the catch.. broadband router only has 'in' line???)

 

Somehow either Capital one or Co-operative bank got my mobile number and have been calling my phone.. I then used a useful bit of software (it's a pda/phone) which allows me to program telephone number to block...

PocketGear : Call Block for Pocket PC

 

 

hope linking to external site allowed? Here's one place to download.... free for trial period and then only thing is message reminders. still blocks calls. Keeps handy records of calls.. except now I get unknown numbers calling (are banks starting to use VoIP??)

Link to post
Share on other sites
  • 2 weeks later...

Buchananan Clark and Wells have harrassed me for over a year,(Under different names) they say I owe Bt and Edf monies,EDf have no chance as when I was with them I was on a key meter which bcw have had confirmed by edf ;although confirmed they state I stillowe them £64 .bt left me without access to my telephone for over a month then said I owed them £27 erm my phone did not work due to a problem out side of my flat which took a month for an engineer to fix so I owe them nothing (Icancelled my line prior to the repair as it was taking so long,this morning I recieved a text telling me to contact bcw on 08717001510, this is a premium line number how can they justify doing something like this??

Link to post
Share on other sites

I have just signed up for this, however I'm now wondering if they will just keep changing the number they use to call from- we're talking Lloyds-TSB whose calls are begining to really stress me out.

 

Recorded delivery Telephone harrasment letter has been completely ignored and I never answer the phone these days so it seemed worth £3.35 a month to put a barrier between them and me.

 

 

Choose to Refuse

 

(from BT)

 

Stop unwanted or nuisance calls.

What's the benefit?

 

Choose to Refuse prevents unwanted or nuisance calls getting through to you.

How does it work?

 

If you frequently receive unwanted or nuisance calls from a particular number, you can block that number from getting through to you. This ensures your peace of mind and, if later on you change your mind, you can lift the block and allow the caller to contact you again. (Unlikely!)

Link to post
Share on other sites

Zazen you will find that this reduces the number of unwanted calls dramatically. Most threat calls from DCAs are made by autodiallers which connect you one of their highly trained operatives if you pick up the call. These calls are usually witheld numbers or a number is displayed which shows where the call is coming from. (usually a generic 0870). To use another number they actually have to pick a seperate line and physically dial out. You will find that they only have a limited choice so in a short time you can block them all.

Link to post
Share on other sites

That's a relief!

 

However feeling somewhat empowered by doing something about it I just answered their latest call; went as follows:

 

Hello is that Mrs Debtor

 

Yes it is

 

I'm calling from Lloyds TSB

 

Why?

 

I'm calling because your account...

 

No, why are you calling me at all when I have proof that you have received my written request for all commuinication to be in writing

 

Confused silence followed by click, the monkey hung up on me!

 

Seconds later another call, probably redialed in shocked confusion that I had picked up the phone at last, she said 'hello' I said 'hello' all prepared to repeat myself but she hung up again.

 

I give myself a few points for calm but I wouldn't want to do this xx times a day so their number will now be blocked

Link to post
Share on other sites

Well done. Do not block them as you are empowered now. Tell them that as a result of your letter of x date (no phoning) you are now recording all breaches of OFT guidelines. It may take a few days but they will get the message.

 

That's a relief!

 

However feeling somewhat empowered by doing something about it I just answered their latest call; went as follows:

 

Hello is that Mrs Debtor

 

Yes it is

 

I'm calling from Lloyds TSB

 

Why?

 

I'm calling because your account...

 

No, why are you calling me at all when I have proof that you have received my written request for all commuinication to be in writing

 

Confused silence followed by click, the monkey hung up on me!

 

Seconds later another call, probably redialed in shocked confusion that I had picked up the phone at last, she said 'hello' I said 'hello' all prepared to repeat myself but she hung up again.

 

I give myself a few points for calm but I wouldn't want to do this xx times a day so their number will now be blocked

Link to post
Share on other sites

Nice one.

 

Can u get recording devices for mobiles?

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!!'.

Link to post
Share on other sites

My son complained to Intrum Justicia about their calls. They replied that they followed OFCom legislation.

 

The number that they have is a VOIP number that is picked up by their server after 15 seconds, then has a message "Hi, leave your message", then a beep.

 

The call log showed 21 calls, 1 message left (7 seconds of silence). Does that sound like they followed OFCom regulations?

Link to post
Share on other sites
IJ are talking nonsense about OfCom Legislation. There is no such thing. Harrasment is a subjective matter. If you feel harrased that is sufficient

It's not entirely subjective, it is the "reasonable man" test. So it is harassment if a reasonable man would regard it as harassment.

Link to post
Share on other sites

Hi Bo,

Have sent the letter twice now and beside telling them at least 9 times a day. "only in writing" they continue.

The latest trick is remaining silent and then hanging up on me!!

 

Have been around, BO put afraid i have become a bit of an ostrich lately!!

Link to post
Share on other sites
It's not entirely subjective, it is the "reasonable man" test. So it is harassment if a reasonable man would regard it as harassment.
....or if you deem it to be harrassment or it causes you anxiety or distress

Link to post
Share on other sites
Where do we stand on the old trick of blowing a whistle down the phone???

I am very tempted!!

 

I could no tell you where you stand but maybe they would get the message if you done it. Especially if it was beinging listened in on for training purposes. I understand where you are comming from as i have been very tempted to play bat outta hell down the phine to them as my hold music.

 

Chrissi

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!!'.

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...