Cheers for that. I'll just ignore it - slippery barstewards!

Brooooooooooce:

Hi Basa

You mean because they will be sending someone round or because on initial reading you think that's what it means when actually it means they won't sending someone round just phoning?

Sorry m8. I meant they hope you will read it as a 'doorstep' call, when in fact they intend only a phone call.

It is just another intimidatory tactic they use.

I fell for it first time !!!! The DCAs phone line went into melt down when I called them !! (*embarrassed blushes*)

Brooce

Phone calls only I expect.

The only companies that send doorstep collectors are those that use commision only collectors and those that are sub prime such as welcome.

Huckster

Hi Basa

You mean because they will be sending someone round or because on initial reading you think that's what it means when actually it means they won't sending someone round just phoning?

Brooooooooooce:

Ey up boys and girls

Can someone help me!? Just had a letter from the Halifax:

"IMPORTANT NOTICE

Our representative will be calling your home on: 21st December 2009"

Just re-read that "calling your home" not "calling at your home" - erm.

What do we think? Is it meant to make me think someone will be calling at my home? Do we have any template letter to stop doorstop callers?

Cheers.

Just one of many 'dirty tricks' these scumpanies employ m8.

Thanks for that.

Brooce

I think the following thread answers your questions thanks to cmk.

http://www.moneysupermarket.com/community/forums/post/help-what-do-i-do-170525.aspx

Huckster

Ey up boys and girls

Can someone help me!? Just had a letter from the Halifax:

"IMPORTANT NOTICE

Our representative will be calling your home on: 21st December 2009"

Just re-read that "calling your home" not "calling at your home" - erm.

What do we think? Is it meant to make me think someone will be calling at my home? Do we have any template letter to stop doorstop callers?

Cheers.

mrstella0:

Well Broooooce, I'd think that certainly, if you want to keep your health private, that's your right. However, when it comes to this behaviour from the CCs, it does make a nice handy club to hit them on the head with.

Regardless of anyone's opinions on the morals of the "unenforceable" route on CCs, i think we can all agree that the harassment and general intimidation that the CCs employ is disgusting.

I empathise with your comments mrstella, but for me at least it is fast becoming a game of cat and mouse. I get several letters some weeks and none another. The phone calls stopped a while ago when they realised I never answer them, we have an answer machine so the calls cost them but to no avail!! LOL

I find it quite therapeutic answering the letters with a concise 'bog off and prove it' approach and do find it all very entertaining. I also love the almost 'old pals' camaraderie on this and similar forums (which is perhaps a bit sad). But the best bit is the financial savings every month. I calculate I have saved myself nearly £6000 up to now.

A very lucrative hobby which I wish I had started a year earlier - I could have gone on holiday with my savings !

Thank you for your post Mr Stella.

Well Broooooce, I'd think that certainly, if you want to keep your health private, that's your right. However, when it comes to this behaviour from the CCs, it does make a nice handy club to hit them on the head with.

Regardless of anyone's opinions on the morals of the "unenforceable" route on CCs, i think we can all agree that the harassment and general intimidation that the CCs employ is disgusting.

I kind of feel the F & F route is where I want to go - I've suggested it to 3 CCC's (Crap One, Sharkleys and Halifax) but they don't bother replying. I think months and months (or years and years) of this might (quite literally) drive me mad (again!). I guess if I could get one of them to come to an agreement it would encourage me and give me some light at the end of the tunnel. I'm quite negative at the moment.

Yes. It is a poor indictment of the state of the credit card industry and the contempt they have for the law and their customers.

One other thing, the phone calls are becoming a pain - particularly the 2 before 9am on Sunday. Unfortunately I have a long and well documented history of significant mental health problems. I've been mainly okay for a while but parts of what I'm doing here are affecting me - the phone calls and refusal to answer my letters mainly. I read somewhere about OFT collection guidelines and thought they had a section about using extra care in dealing with people with mental health problems. I'm reluctant to throw my health problems into the ring as it were but I can see some of the signs of my previous problems and my frustration at some of the problems of going down this route is bringing me down. Any thoughts?

Going back a few posts to F&F offers.

It is fact these offers are often accepted. I've had offers accepted (many years ago it's true) and have received offers from my current creditors (but too high to be acceptable).

The only thing is they often want far more than the 5-10% they are exchanged for in order to make a reasonable profit.

These debts are usually sold in bundles, say a bunch of debts totalling £20K which are bought for c£2K. Very often the sales are not done according to the book and probably don't include any worthwhile paperwork (agreements, assignments, default notices etc.).

Sure as eggs is eggs (no pun intended!) the original creditor is not going to hunt high and low for days just to find original paperwork (if it even exists) for a debt they no longer own.

Brooooooooooce:

They have now provided my SAR but not they claim as result of my original request - as a good will gesture because I wrote to the Company Secretary.

Yeh right, or perhaps because they knew they didn't have a leg to stand on!!