Starting out

[Sosad]

Re: Starting out

Thanks to all you lovely people for sharing your experiences with me (and others!!) it's really good to know it will get better ,I am going to try and answer my phone and just be firm with the creditors and state in writing only ,I'll let you know. how I get on

[Pixie]

Re: Starting out

Don't answer it - send the telephone harassment letter.

[IF]

Re: Starting out

Don't answer it - send the telephone harassment letter.

Agree with Pixie, especially if answering the phone makes you feel ill!!!

IF...x

[Numpty Monkey]

Re: Starting out

The sad part is I Didnt realise I just sent it what a numpty !!!! Thanks anyway x

I send emails and forget to put attachments on
don't worry about being a numpty I've made a career out of it

As for the phone calls, as everyone else has said they do get less, I think it was 4 months since they last phoned me.

My conversations used to go like this;

Me : Hello
DCA : Can I speak to Mr Monkey
Me : who's calling
DCA : DCA
ME : In writing only, Bye.
hung up,
no need to get ito a discussion with them, no need to get into the security questions, and no need to feel you're being impolite

[Deepie]

Re: Starting out

I send emails and forget to put attachments on
don't worry about being a numpty I've made a career out of it

As for the phone calls, as everyone else has said they do get less, I think it was 4 months since they last phoned me.

My conversations used to go like this;

Me : Hello
DCA : Can I speak to Mr Monkey
Me : who's calling
DCA : DCA
ME : In writing only, Bye.
hung up,
no need to get ito a discussion with them, no need to get into the security questions, and no need to feel you're being impolite

No fun in that..........

[Sosad]

Re: Starting out

Hi all,
Well I've waited and waited and still haven't had a phone call, I don't know whether to be thankful or disappointed !!!! Lol


Pixie and IF, not answering does seem more appealing than speaking to them, and it doesn't cost much for a stamp.here I go will I ,won't I, more choices!!!!

Numpty you make it sound so easy ,but I get all flustered on the phone and start to stutter , as for the e mail fiasco well what can I say ?(was funny though!!!) xx

[Never-In-Doubt]

Re: Starting out

Sosad, if/when they call you simply record the number and date/time of the caller and hang up.

Honestly, don't speak other than to say who is it - eventually you'll get to know who it is calling you. Plus shortly we'll be launching a product to alleviate all creditor hassle so bear with us - won't be long now

[greymatter]

Re: Starting out

Hmmm
Now that sound intriguing
GM

[Sosad]

Re: Starting out

Hi Niddy , ok so I don't/won't speak to them ,record number etc then hang up. Ok as I've found on this forum your word is law ,and I don't mind NOT speaking to them, hurry up with your new product ,your right Greymatter it does sound intriguing can't wait xxx

[ScabHunter]

Re: Starting out

Sosad,

As you seem nervous about speaking with debt collectors on the phone, I thought I'd post up some phone scripts for you. Please feel free to use them or any variation thereof as you see fit.

The good people are in BLUE and the nasty debt collectors in RED

Lamppost.
Is that Mr. Smith?
No, it is the lamppost outside his house. Can I take a message?
It is about his £1,000,000 debt to Shark & Shyster.
Ah! That makes a light bulb go on in my head!

Undertaker, how may I help you?
Can I speak to Mr. Smith?
Probably, but there's not a great chance of him speaking to you.

Is this Mr. Smith?
No, it is a telephone. Put your glasses on.

Can I speak to Mr. Smith?
OWWWW!!!!!!
Mr. Smith?
OWWWW!!!!!!
Is that Mr. Smith?
OWWWW!!!!!!
Why do you keep saying “OWWWW!!!!!”
Because this is a metal telephone and I've plugged it into the electric socket instead of the phone line.

Army Morse Code Station
Can I speak to Mr. Smith?
Dot. Dot. Dash. Dot. Dash.
Mr. Smith?
Dot. Dash. Dot. Dot. Dash.....

Coastal Weather Station
Can I speak to Mr. Smith?
Thank you for calling the Premium Rate Coastal Weather Line. This morning it will be sunny with rainy spells, and this afternoon it will be rainy with sunny spells. Tonight, it will get darker. Thank you for calling the Premium Rate Coastal Weather Line. Good-bye!

Phoney Psychics
Can I speak to Mr. Smith?
Thank you for calling the Phoney Psychics Premium Rate Line. I see a tall, dark, handsome stranger coming in to your life in the very near future. I see you asking him for money, being told to bugger off, and the phone being slammed down....

Can I speak to Mr. Smith?
Dunno. Depends where he is and how loud you can shout.

Can you confirm your address please?
I shouldn't think so, mate, it hasn't even been baptised yet.

Is that Mr. Smith?
Yes, but I've just committed suicide, so you're through to Hell. Inter-dimensional calls are charged at £1,000 a minute. Please upgrade your call plan with your service provider.

Can I speak to Mr. Smith?
Aunt Ermintrude!
This is not your Aunt Ermintrude, it is Adolf from Acme Debt Nazis!
Come on Ermie! I know that voice anywhere! Owww, you are a laugh! Is Uncle Algernon still trying to grow cucumbers in the window boxes? How are your chilblains, dear? Oww, It is getting so cold at night now, isn't it?

Zoological Gardens, how may I help you?
Can I speak to Mr. Smith?
I couldn't honestly tell you. What species would he be?

Homosexual brothel, how may I help you?
Can I speak to Mr. Smith?
Mr. Smith? Oooh, you like that sort of thing do you? So do a lot of the others, he's very busy. I could send Mr. Jones round to you if you fancied a change?

Witnesses Of Jehovah, how may I help you?
Can I speak to Mr. Smith?
Of course, brother! As a blessed child of the Lord you can speak to anyone! Even the Lord himself who is all around you and with you every moment of every day! Ask, and it shall be given. Knock, and it shall be opened unto you. You are saved, brother, saved!

SH

[jon1965]

Re: Starting out

at least you can speak spanish, i am more an avez vous un cuppa as in the PG tips monkeys

[Sosad]

Re: Starting out

Thanks for the tips Scabhunter they really made me laugh ,I don't think I could use any of them though as I said in previous post I get so nervous I start stuttering ,I'm like a rabbit caught in car headlights!!!!! Xxx

Niddy has just emailed me that my CCA for HBoS is enforceable ,now what do I do with this ?? Do I set my dmp payment back up ,or do I continue not paying and hope they sell it on to a Dca? I'm sure i've read something about this on this forum can anyone please advise the best way to go .

[ScabHunter]

Re: Starting out

Niddy has just emailed me that my CCA for HBoS is enforceable ,now what do I do with this ?? Do I set my dmp payment back up ,or do I continue not paying and hope they sell it on to a Dca? I'm sure i've read something about this on this forum can anyone please advise the best way to go .

It depends whether there is any possible mileage in blagging it. You need input from I2D or the Boss :niddy here.

SH

[Never-In-Doubt]

Re: Starting out

Niddy has just emailed me that my CCA for HBoS is enforceable ,now what do I do with this ?? Do I set my dmp payment back up ,or do I continue not paying and hope they sell it on to a Dca? I'm sure i've read something about this on this forum can anyone please advise the best way to go .

Its because it's from 2007; for the moment though blag it by sending something like this - keep us updated though especially if they start to get heavy with letters etc :---> Our Templates | Unenforceability Templates | CCA Query - Missing Prescribed Terms

[Sosad]

Re: Starting out

Thank Scabhunter and Niddy for your input . I am going to "blag"this one as I am almost 98% sure I took this out in 2005 (for reasons I won't go into,too painful!!)
Niddy I most certainly will keep you updated ,I have great faith in you that is why I'm here, I followed you from another forum , (told you i felt i was stalking you!!!) I'll post a letter off to HBoS on Monday thanks xx