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Re: Desperate to help them
Two suggestions here -
Firstly, if you can possibly manage it I would get a TrueCall machine. If you have a member of the family who is seriously ill then you must have control of your telephone line. You never know when you are going to need to summon emergency assistance.
Even though the telephone abuse may have stopped for now, there are no guarantees that it will not return. It is also possible that you may have difficulties with other creditors in the future if money is extremely tight and you may have emergency needs.
It is not just harassment from banks and debt collectors which are a factor. Anyone can get nuisance calls from idiots like those Indian scammers who pretend to be from Microsoft. You just don't need any of that right now. TrueCall has customisable features so you can choose what you block and what you want to let through. (This assumes you were being harassed on a land line and not a cell phone).
As far as the bank goes, you definitely need to write to them. As long as there is no written communication addressed to a manager which outlines the exact situation in explicit terms they can always hide behind the excuse of “We didn't know”. Once that has been done, they've got NO excuses.
By all means wait for Niddy as he won't steer you wrong, but something has to be sent to the bank. It doesn't even need to be a formal complaint in the first instance, just a request for more reasonable behaviour (and a reversal of the unreasonable interest and charges). The complaints can come later if they don't respond, and they will carry greater weight because the bank will then be ignoring your legitimate requests.
They would be insane to cause too much trouble with this. The correct balance on the account is £1000, and they would lose half of that straight away if this ended up going to the Fobbing Off Service. Even if they sold the alleged debt to a purchaser that is more than they would be able to recover.
Give the manager a chance to look at it first, and then take it from there.
SH
Two suggestions here -
Firstly, if you can possibly manage it I would get a TrueCall machine. If you have a member of the family who is seriously ill then you must have control of your telephone line. You never know when you are going to need to summon emergency assistance.
Even though the telephone abuse may have stopped for now, there are no guarantees that it will not return. It is also possible that you may have difficulties with other creditors in the future if money is extremely tight and you may have emergency needs.
It is not just harassment from banks and debt collectors which are a factor. Anyone can get nuisance calls from idiots like those Indian scammers who pretend to be from Microsoft. You just don't need any of that right now. TrueCall has customisable features so you can choose what you block and what you want to let through. (This assumes you were being harassed on a land line and not a cell phone).
As far as the bank goes, you definitely need to write to them. As long as there is no written communication addressed to a manager which outlines the exact situation in explicit terms they can always hide behind the excuse of “We didn't know”. Once that has been done, they've got NO excuses.
By all means wait for Niddy as he won't steer you wrong, but something has to be sent to the bank. It doesn't even need to be a formal complaint in the first instance, just a request for more reasonable behaviour (and a reversal of the unreasonable interest and charges). The complaints can come later if they don't respond, and they will carry greater weight because the bank will then be ignoring your legitimate requests.
They would be insane to cause too much trouble with this. The correct balance on the account is £1000, and they would lose half of that straight away if this ended up going to the Fobbing Off Service. Even if they sold the alleged debt to a purchaser that is more than they would be able to recover.
Give the manager a chance to look at it first, and then take it from there.
SH
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