Originally posted by Sosad
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------> Harassment by Telephone
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Re: Starting out
Thank you Deepie,
I kinda thought that would be the letter but still not brave enough to post off without the reassurance from you guys will post letter off tomorrow as they are bombarding me with phone calls.
Sosad xxLeave a comment:
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Re: Starting out
[QUOTE=Sosad;326170]That's what I would send.....Originally posted by Sosad View Post
[QUOTE=Deepie;326173]Originally posted by Sosad View Post
Bit confused at the top you say Bank of Scotland....
Then further down Barclaycard is mentioned.....
Originally posted by Sosad View Post
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Re: Starting out
Hi Deepie,
Sorry for the confusion it is the Bank of Scotland checked through my folders must have been having a stressful day thanks for pointing it out I will edit
Sosad xxLeave a comment:
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Re: Starting out
[QUOTE=Sosad;182778]Bank of Scotland credit card) now dealing with Blair Oliver and Scott.
taken out 2002/4ish
Balance £3148
date last paid full payment 2009.
April 23rd cancelled dmp payment and requested cca.
May 8th received CCA from Blair Oliver& Scott will email to Niddy.
May 11th received letter from b.o &s requiring immediate payment
May 15th Niddy has deemed this CCA Unenforceable
May 16th received CCA from HBoS
May 17th emailed it to Niddy
May 25th Niddy has deemed this one enforceable ,never mind can't win them all
May 29th Received letter saying p
May29th Sent missing prescribed terms letter.
June13th Received letter from Blair ,Oliver &scott stating to contact them within five days ,threats are door to door collectors and. Court action to seek a judgement against me
June 29th Received notice of intended court action from BOS stating papers are now being prepared for commencement of action through my local court to seek a judgement against me
July 3rd Sent threat to commence litigation letter
July 20th Received letter from bank of Scotland stating my account has been passed on to Apex Credit Management ,in same
envelope Apex letter asking me to contact them to make arrangements to pay as soon as possible
August 6th Sent Apex "telephone harassment " letter and "account in dispute", saved a few pennies
August 9th Received from apex saying they will investigate my complaint
October 23rd. Received letter from Wescot stating they have been instructed to collect balance to avoid further action I must pay full amount or telephone them
October 24th. Sent account sold while in depute letter
December4th Sent missing prescribed terms letter
December 8th Received letter from Nelson Guest &Partners as a final attempt to avoid further action they are prepared to offer a discount
Ignored.
May 11th. Received letter from wescot stating they have been advised by barclaycard that all relevant documentation has been provided to me they believe the dispute is resolved and I skould pay in full or make arrangements to pay monthly.
[COLOR="black"]May 17th. Sent Final Response - UE letter to Wescot[/
May 31st. Received letter from wescot stating " we acknowledge the query raised and would like to confirm how this will be investigated etc .
June 19th. Received letter from bank of Scotland stating that they have transferred this account to a debt collection agency Robinson Way.
Hiya,
Received letter from Robinson Way stating they will be in touch with me to discuss repayment details should I send " sold in dispute" letter to them
Thank you
Sosad xxLeave a comment:
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Re: Starting out
I've spent far too long hiding behind a closed door, sometimes neglecting to maintain my front garden in case an unwelcome visitor decided to pay a visit. In the six years since my financial woes started I've not had one unwelcome visitor and I feel like a complete twat for all the times I jumped when someone knocked on my door.
The new and empowered me opens the door to whoever knocks, but just in case I should ever be taken off guard I keep a printed card handy along the lines of:
Debt Collector Visit- 1) Ask the visitor to stand on the pavement, not on your land, while you stand within the boundary of your land.
2) Ask to see ID and take note of the debt collector’s name, the organisation he is working for and any additional identity numbers etc.
If there is no official form of ID or the debt collector will not allow you to take notes from the ID terminate the visit immediately with:
"I do not want you to be here. Please leave."Repeat this in response to any statement or question put to you by the debt collector.
3) If you wish to terminate the visit tell the debt collector that the visit is over then walk away or go into your home and close the door. You are not obliged to give reasons or to say anything other than that the visit is ended and that you want the debt collector to leave:
"Please leave now."4) If the debt collector does not leave then inform him that you will call the police. (If you do not believe that you will call the police then do not make this threat. You will lose all of your authority and the debt collector will dominate the meeting from that point onwards).
Call police on 101 or Your Town Police Station 01?? ??????
Explain to the police that you are being harassed by a man/woman who has visited you and who refuses to leave your property. Once again, keep calm but if you are frightened, then tell the police that you are frightened and that you believe that you need help.
If the debt collector leaves before the arrival of the police call them and cancel the call-out.
I've printed mine on a small (A5) sheet of card but these days I'm probably more likely to go with ScabHunter's laugh or just condense my card down to “Please leave”. What I'm trying to say is don’t be afraid in your own home or be intimidated by bullies.Leave a comment:
- 1) Ask the visitor to stand on the pavement, not on your land, while you stand within the boundary of your land.
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Re: Starting out
Thanks for the tips on how to deal with these doorstep collectors ,hopefully I won't need to use them .I've posted the letter that you made up for me Scabhunter ,very much appreciated.
I don't know where I would be without the help of all you lovely people
Thank you
Sosad xxLeave a comment:
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Re: Starting out
I had a doorstep visit from Moronics, i told him to leave as I would not discuss personal business at the door, and he did. pussycat !!Leave a comment:
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Re: Starting out
Brilliant! I would have simply told them to P--S off.Leave a comment:
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Re: Starting out
Don't be scared of anything whatever happens. If you do happen to open the door to one of these cretins, I think the best reply is to laugh, and then say "How much time and fuel have you wasted coming out here?"Originally posted by Sosad View Post
That lets them know instantly that they won't be getting a payday. It is then just a matter of how much more time they want to waste before they waste more fuel going away again.
SHLeave a comment:
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Re: Starting out
Thank you MrsD, Scabhunter and Deepie
I will go with" option two"!!!!!
Scabhunter you're letter sounds good and I feel I have to reply to them to stop them appearing at my door ,I don't want to be scared every time my door knocks .thank you all so much for your replies .
Sosad xxLeave a comment:
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Re: Starting out
You could always send them something like this, as it uses the OFT Guidance rather than the law as a deterrent -
"Dear Sirs,
I am in receipt of your letter dated xxth June 2013, and note its contents.
You state that you “know of no genuine reason why you have failed to pay the outstanding balance”. This is blatantly untrue, unless you have somehow failed to read my communication of 22nd January 2013. This letter outlines the nature of the dispute surrounding this alleged account, so I refer you back to it to carry out the diligence which the Office of Fair Trading Debt Collection Guidance requires.
The Guidance also states, in Section 3.13 (f), that “visiting or 'threatening' to visit a debtor, without his prior agreement, when the debt is deadlocked or reasonably queried or disputed” constitutes an unfair business practice. It also constitutes a total waste of your time and resources, as I will not under any circumstances communicate with anyone carrying out such aggravated behaviour, other than by ordering them to leave.
If any doorstep harassment is carried out contrary to these stipulations, a formal complaint will be forwarded to the Office of Fair Trading, and also through your own internal procedure. This may result in the case being escalated to the Financial Ombudsman Service, who will charge you a mediation fee.
Instead of sending out machine produced templates in an attempt to frighten people, I suggest you carry out your due diligence by responding to my communications, as required by the regulatory authorities.
Yours Faithfully,”
SHLeave a comment:
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Re: Starting out
Sosad
Just don't open the door to anyone you don't know, mostly they don't turn up.
or you could send a one liner saying you have no wish to make an appointment with them and you will only deal in writing.
or if you have a nice big dog that fancies a bit of of leg of DCA...............Leave a comment:
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