liandconsmum's UE Diary

[liandconsmum]

Re: liandconsmum's UE Diary

Alrighty then. I have signed the form myself. Our handwriting is completely different, so it'll be interesting to see what they do now.

[CleverClogs (RIP)]

Re: liandconsmum's UE Diary

Are you going to sign it in green crayon?

Oh, the temptation. I'm going to have a quick think to see what the most creative (and annoying) would be.

Joke shop vanishing ink, if it only fades after a week or two.

[SXGuy]

Re: liandconsmum's UE Diary

Joke shop vanishing ink, if it only fades after a week or two.

Now if only we could some how swap the DCA's ink with that stuff, make it last around 2 to 3 weeks.

Watch the info on the recon suddenly fade away.

"Agreement? what agreement?" lol

[liandconsmum]

Re: liandconsmum's UE Diary

Updates:

Tesco - Well, it's now 19 days since I sent the form back with the "signature" on it. No response at all. WELL past the 14 days they were given initially to rectify the mistake of putting the £10 for the SAR on the account as a payment in error, and certainly long overdue to receive our SAR. I suspect it is now time to start making complaints. I may send one more letter stating I returned the signature form and they have had ample time to correct their errors and send the SAR... maybe give them 10 days to sort it all out and send me paperwork showing the payment is no longer on the account as well as sending the SAR. And then start firing off complaints.. sigh... what a pain.

Santander - Nothing from them or DCA since I sent back that zero balance letter. No news is good news.

Halifax - Letter from new DCA Blair Oliver and Scott asking us to ring to discuss a reduced payment arrangement. I will have to review this account, as all I can remember is it was UE and there were some glaring errors, but I can't remember what.

The account we are paying £10 per month on with Experto Credite has been bought by another company, however, they state they are happy to continue this payment arrangement, so business as usual with them.

[liandconsmum]

Re: liandconsmum's UE Diary

Okay. After rereading my info on Halifax, as they have been switching this account all over and then ignoring it for months, then switching it again, I find that it's been ages since they've actually addressed the CCA issue. (we won't even discuss the DN problems as they are pretty bad, too)

Would it be prudent at this point to do another CCA request? Or would the SAR be more helpful? I cannot help but think this is going to continue to go around and around, and I suspect at some point they will try to drag it into court, and I want the SAR to use if need be. There are some ridiculous things going on with this account.

[SXGuy]

Re: liandconsmum's UE Diary

I wouldnt do another CCA request, you did one, they failed to comply, its unenforceable, end of.

Anyone else they throw it at should get a template letter account sold whilst in dispute.

[liandconsmum]

Re: liandconsmum's UE Diary

They aren't selling it, just assigning it to different DCAs.

[Deepie]

Re: liandconsmum's UE Diary

They aren't selling it, just assigning it to different DCAs.

I Would just ignore for now see what they send next.....

[swanfan]

Re: liandconsmum's UE Diary

Would it be prudent at this point to do another CCA request?

You have a copy of the CCA request and of it's delivery?

No need to do anything more if they haven't complied.

[liandconsmum]

Re: liandconsmum's UE Diary

Still nothing back from Tesco. We decided to ignore them for the moment. At least they aren't hassling us.

Same with Halifax. Ignoring.

We're up to our eyeballs in going to tribunal regarding a specialised school for our son who is disabled, and it's literally all the stress we can cope with at the moment.

Any correspondence received in the near future will simply have to wait.

[liandconsmum]

Re: liandconsmum's UE Diary

Brief question. We're in the process of filling out our I&E form (yearly court ordered) regarding the account we went to court on last year. There's really not a huge change, but at the time, we put the total debts that we had and did the amounts split proportionally showing how much should be paid to each account. But we're not actually paying on a few of them (due to UE), and on 3 of them, we're actually paying more than what's proportional, as that is (at that time) all they would agree on. We're fine paying these amounts, but I'm concerned that putting this information on the form is going to cause a problem with the company we're paying re the court order.

Do I put the whole amount of debt proportionately and just list the debts but that we're not paying on them? And then put the amount we're actually paying on the other 3? At the time we agreed, we hadn't had the court order through, and DH was on meds for depression (still is) and there was nothing I could do to alter the payments.

Brief side note, we've had a few letters from Halifax lately, but they are UE, so am just ignoring. They switch agencies faster than anyone I know! Give it a few weeks and it'll be with someone else. sigh..

[liandconsmum]

Re: liandconsmum's UE Diary

Interesting problems popping up with one of our DCAs. We agreed on a low payment and have been paying it for a couple years now - for 2 accounts. And recently they've obviously gotten our phone number, as they've been ringing us daily, sometimes we've picked up, sometimes they've left messages.

Finally today I'd had enough. They have had in writing for both accounts to only contact us by post - ages ago. I reminded them of this just before Christmas when they initially started calling. I told them if there were any concerns regarding the account that it needed to be sent to us in writing by post, and mentioned that they already had these instructions in writing. So I told the DCA this AGAIN today. I told him to delete our number from their file, and he told me they could only delete it for three months!! (guess it's not being deleted then is it? if it can return in 3 months!!) AND he said if they send post to us and it's not answered within a timely manner (like a month, he said), then they legally can ring us again, regardless of any notice to only contact us by post.

Completely ridiculous (which I told him), and besides, they actually hadn't sent us any post in the last few months, so not sure what he was trying to get at. I'm sure they're looking at pushing for more money, as they're getting regular payments. DH has had some mental health problems and is in no condition to deal with them on the phone, so obviously it has to be by post so we can discuss it at length (the accounts are in his name only).

I'm considering sending them a copy of the previous "do not ring us" letters along with a letter stating that this is still in effect and stating that any further phone contact will be considered harassment. Any other advice on this?

[SaltnVinegar]

Re: liandconsmum's UE Diary

Interesting problems popping up with one of our DCAs. We agreed on a low payment and have been paying it for a couple years now - for 2 accounts. And recently they've obviously gotten our phone number, as they've been ringing us daily, sometimes we've picked up, sometimes they've left messages.

Finally today I'd had enough. They have had in writing for both accounts to only contact us by post - ages ago. I reminded them of this just before Christmas when they initially started calling. I told them if there were any concerns regarding the account that it needed to be sent to us in writing by post, and mentioned that they already had these instructions in writing. So I told the DCA this AGAIN today. I told him to delete our number from their file, and he told me they could only delete it for three months!! (guess it's not being deleted then is it? if it can return in 3 months!!) AND he said if they send post to us and it's not answered within a timely manner (like a month, he said), then they legally can ring us again, regardless of any notice to only contact us by post.

Completely ridiculous (which I told him), and besides, they actually hadn't sent us any post in the last few months, so not sure what he was trying to get at. I'm sure they're looking at pushing for more money, as they're getting regular payments. DH has had some mental health problems and is in no condition to deal with them on the phone, so obviously it has to be by post so we can discuss it at length (the accounts are in his name only).

I'm considering sending them a copy of the previous "do not ring us" letters along with a letter stating that this is still in effect and stating that any further phone contact will be considered harassment. Any other advice on this?

Have the DCA been informed of your husbands health problems? Is it you they are asking for on the phone or him?

Reason for asking, is that if they have been told, then they have to have regard for people who may have mental health issues, therefore the harassment element is even more relevant.

Best
SnV

[liandconsmum]

Re: liandconsmum's UE Diary

I'm not sure. I sent a letter to a number of creditors stating he was suffering from MH problems and requested they hold off everything for a couple months to allow him time to get over a particularly bad spell, but I may have skipped them, as we were making regular payments and they weren't bothering us at all.

I will make sure to mention it in the letter I send.

I found it interesting also that when I asked for his name, he gave me a name, spelled it when I asked, but was corrected in the spelling of it by someone who was obviously near him, as I heard them correct him and give correct spelling. Weird, eh? Made up names? You'd think if it was actually his own name, he'd be able to spell it by himself.

[SaltnVinegar]

Re: liandconsmum's UE Diary

I'm not sure. I sent a letter to a number of creditors stating he was suffering from MH problems and requested they hold off everything for a couple months to allow him time to get over a particularly bad spell, but I may have skipped them, as we were making regular payments and they weren't bothering us at all.

I will make sure to mention it in the letter I send.

I found it interesting also that when I asked for his name, he gave me a name, spelled it when I asked, but was corrected in the spelling of it by someone who was obviously near him, as I heard them correct him and give correct spelling. Weird, eh? Made up names? You'd think if it was actually his own name, he'd be able to spell it by himself.

No they do make up names - my understanding of one DCA's operation is that a 'name' actually refers to a team. The team then get a bonus if the 'agent' hits the monthly collection target.

Any written correspondence to that 'agent' then gets forwarded to that team.

Pity you couldn't record those calls as listening to someone being corrected on how to spell their own name would be a new low!

Anyway...........

Theres two schools of thought on informing DCA's regards mental health issues.

Some people advise against it as they think that DCA's will use that to their advantage and increase the harassment (which unfortunately there is a track record to demonstrate).

Other school of through is there is guidelines and legislation that DCA's are meant to adhere to once they know that a debtor has mental health issues. Breach of these would certainly go against them if things ever got as far as court, or should you wish to make a complaint to the relevant regulatory authorities.

Have you got copies of previous letters you have sent to them. It'd be worth going through them and see what you have sent before making a decision.

You could then also demonstrate that your records are going to be better than theirs and not be messed with as in your next letter you could state:

You have been informed on numerous occasions that all communication should be placed in writing ONLY. Letters were sent to you recorded delivery dated:

1) xx/xx/xx
2) xx/xx/xx
3) xx/xx/xx
etc

Despite this you continue to make telephone calls to my home the most recent being:

hh:mm dd/mm/yyyy
hh:mm dd/mm/yyyy
hh:mm dd/mm/yyyy
etc

And take it from there.


Best
SnV