Power2Contact

[Deepie]

Re: Power2Contact

just missed a call from these guys! i was in the garage getting something out and when i got back in the house there was a hand delivered envelope on the mat with a card in it and a guys telephone number. shame i missed him him really could have been interesting! so will the usual templete for doorstep visits work on this occasion?

up to you .........I would just ignore if it were me.........

[louiser123]

Re: Power2Contact

just missed a call from these guys! i was in the garage getting something out and when i got back in the house there was a hand delivered envelope on the mat with a card in it and a guys telephone number. shame i missed him him really could have been interesting! so will the usual templete for doorstep visits work on this occasion?

[Never-In-Doubt]

Re: Power2Contact

If you're awaiting a CCA then no, do not send what I typed above - if however you are not, then send that - nice n simple....

[jen_br]

Re: Power2Contact

So should I quote what you have said? or write a formal letter to Credit Solutions Ltd?

Should I still send the CCA letter to Credit Solutions? or wait to see what response I get?

Thank you.

Also sorry about my personal info again, also din't know her name would be classed as personal info as well.

No need to apologise just better to have no information what so ever that is identifiable.

[Alex]

Re: Power2Contact

So should I quote what you have said? or write a formal letter to Credit Solutions Ltd?

Should I still send the CCA letter to Credit Solutions? or wait to see what response I get?

Thank you.

Also sorry about my personal info again, also din't know her name would be classed as personal info as well.

[Never-In-Doubt]

Re: Power2Contact

Dear Members,

On Friday 12.10.2012 I received a letter from a (name here) of Credit Solutions Ltd, the letter reads;

What should my response be with regards to this new letter? I think that P2C and Credit Solutions Ltd are the same company, are they not?

Thank you.

I would write back and literally say

"I am happy to communicate in writing but be warned, do not send any DCA to my front door or not only will they regret calling but you will also feel the full force of the law as I repeat my demand that you do not send anyone as I have absolutely no intention of discussing anything with anyone at my home address..."

And leave it at that!

[Never-In-Doubt]

Re: Power2Contact

Alex. You've left your personal name/details on that letter

updated and personal info removed...

Thanks

[PlanB]

Re: Power2Contact

Alex. You've left your personal name/details on that letter

[Alex]

Re: Power2Contact

Dear Members,

On Friday 12.10.2012 I received a letter from a (name here) of Credit Solutions Ltd, the letter reads;

"Dear (name here) ,

I write in reference to your recent letter received on 9th October 2012, which has been passed to me for response.

Credit Solutions Ltd takes any complaint very seriously therefore upon receipt of your dissatisfaction I conducted an internal investigation into this matter.

Please note, as per your request we have removed your contact telephone number from our system, and future correspondence will be via writing. Please ensure that you address all correspondence to the above offices.

Credit Solutions Limited offers a door step collection service whereby field agents visit a property to discuss repayment of an outstanding amount. This is simply another option available to our customers to assist them in repaying their debts. In relation to field visits in subsection 2. 12 of Office of Fair Tradings' guidelines doorstep visits must give adequate notice of the time and date of visit.

2. 12g: not giving adequate notice of time and date of a visit
When a door-to-door debt collector makes an initial home visit to a debtor it may not always be possible for them to give adequate notice of the time and date of that visit. This is not necessarily unfair.
The key word adequate. This was inserted to ensure that what the debtor regarded as adequate was key. What is adequate will vary from debtor to debtor. When initial contact is made a debtor may be happy to speak to the debt collector there and then. If that is the case the visit would not be unfair. Where a debtor prefers to use that first visit to agree to a future visit at a more convenient time a debt collector should respect their wishes. A debtor may prefer to do so at a later date so they can seek advice about their situation or arrange for a third party to be there. What is important is that a debtor is given enough time to prepare. They should never be coerced into immediate discussions.

If you would like free, confidential and impartial debt advice you can also contact one of the following not-for-profit organisations below.

(They list Citizens Advice Bureau, National Debtline and Consumer Credit Counselling Service)

Please note that should you wish to escalate your complaint I have enclosed a copy of our complaints procedure which explains our company's complaint escalation process should you not be satisfied with our initial response. I have also enclosed a Financial Ombudsman Service Leaflet for your reference.

If you have any further queries with regards to the content of this letter please do not hesitate to contact me directly.

Yours sincerely,

(name here)
Complaints Officer"

What should my response be with regards to this new letter? I think that P2C and Credit Solutions Ltd are the same company, are they not?

Thank you.

[sjd67]

Re: Power2Contact

Hi Alex

I am in a very similar situation to you and have had no end of problems with Barclaycard, they really do think they are a law unto themselves. I ended up complaining to the FSA about them and they eventually managed to get them to accept my situation. It took a few goes and repeated letters to the FSA because Barclaycard would say one thing and then do another, stick with it.

good luck

[ken100464]

Re: Power2Contact

Good luck.

[Alex]

Re: Power2Contact

Ok so that will be P2C, right ill start to do the template tonight to get that underway. I guess I should take the advice of a Sith Lord and "use the anger, feel the darkside flow through you".

[MrsD]

Re: Power2Contact

Whoever is chasing you at the moment

[Alex]

Re: Power2Contact

Thank you very much I will read over the links you have been so kind as to set out for me. So you recommend I send a CCA to Barclaycard or should it be sent to P2C?

Thank you again

[SaltnVinegar]

Re: Power2Contact

I had numerous conversations over the telephone to Barclaycard (which they state before talking to you) that they are recorded, and made it perfectly clear about my mental issues and physical health problems that led me to being in debt. I also sent them letters for their records stating what I had told them ( I did not send them by recorded delivery) I also got no reply acknowledging the said letters. But none the less this did not stop them from making it as difficult as possible to renegotiate the payback agreement.

Just to make it clear, the telephone calls were so bad that I was in tears over the phone, and I remember saying "please help me I'm scared and I can not see a way out". "I feel like I cannot breath why will you not help me, I'm at the end".

After speaking to them and the debt spiralling out of my hands, I basically and foolishly hid from them and their calls. At that point my mental health suffered even more, I had a lot to deal with and cope with even now. But I do feel some what lifted by making the first step to sorting this issue out, with thanks and my heart to all on this site.

Today at 09:00hrs I sent that letter to Karen Hillyer by recorded delivery 1st class. I will keep you posted on the reply if I get one. I would welcome any more advice from the mental health side/disabled side. I did find out on the Government website, that my benefits are solely for me to live and are not given to me to pay debts off of any kind.

Thank you all

Hi Alex

So sorry to hear about the way Barclaycard have treated you, its really low even by their sorry standards.

You have lots of support here on this forum, so easier said than done, but try not to worry too much about this, I'm sure we'll get Barclaycard put in their place.

While you wait on a response from the letter you've sent it would probably be good to have a read through the following information, it'll help you understand what your creditors should be doing to assist you, and how they should be corresponding with you in dealing with your debt.

Link 1 - http://www.oft.gov.uk/about-the-oft/...city-guidance/

Link 2 - Debt collection and mental health

Link 3 - DMH Documents

Each of these websites have further links to guidelines and codes of practice which BC will no doubt have breached.

I'd keep these in mind, as, depending on BC's response a formal complaint may be in order.

I think this, alongside a CCA request, should be enough to put BC on the back foot.

The important thing is to not let these companies stress you out, you have lots of help available to you.

Best
SnV