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Debt Collectors phoning neighbours.
Comments
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Hello peeps - if you do want to report these barstewards there is a way.If you type in Information Commissioner into Google, you can register a complaint against the firm there.
Under the Dta Protection act these so-called debt collection agencies by telling neighbours etc etc to let you know the likes of Westcot et al have called, they are alerting your neighbours to the fact you have debt.
I've logged three complaints this week so far - and I'll let you know the outcome.
love Sas xCurrent debt and mortgage: £25, 820.35 Debt/Mortgage at start: £92,598 (27/09/2010)
DEBT FREE!0 -
If a DCA asked me to do their job for them I wouldnt hesitate to tell them where to get off. And then I would contact the (debt-ridden!!) neighbour to warn them of what was going on and offer to give evidence if they wanted to take action!
Unfortunately DCA's pick on people they know they can scare.
Its never acceptable to intimidate someone into doing what you should be getting up of your backside and doing yourself!
Good suggestion in previous post to tell them you are recording the call. Seems to take all the fight out of them and they suddenly remember their manners!! :rotfl:... don't throw the string away. You always need string!
C.R.A.P.R.O.L.L.Z Head Sharpener0 -
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Tootsie_Roll wrote: »In the main it will be to locate absconding debtors.
Well surely if they have "absconded" then there is no point whatsoever in telephoning the neighbour of the address where the debtor has "absconded" from?
The DCA has an address - they have no phone number for the "debtor" so they [STRIKE]harrass
[/STRIKE] telephone the neighbour - or someone within the same postcode to ask to have a message sent, seems a bit pointless if the "debtor" has "absconded".
How this can locate "absconded" debtors I fail to see, unless of course the DCA then starts to ask questions outwith their remit.
Lets get this into perspective here - these are Debt Collectors - they are NOT the Police, Bail Authorities, Customs and Excise etc. These are commercial companies with no LEGAL authority whatsoever, who use - to say the least dubious - methods to attempt to extort information from people about other people on matters which have nothing at all to do with the person being questioned. (And before anyone else picks me up on it - it is the COURT and only the COURT that has any authority on a debt - DCA's might eventually go to court - but they have no part in enforcement, that's a "professional" job).
Just for the record - I'm no longer in debt, I was once and I experienced this sort of tactic. I dealt with it and the company concerned acknowledged and apologised for their - by their own admission - inappropriate behaviour.
I sympathise with others who have been in this situation for whatever reason, debt happens, it is not a crime and there is no "Debt Police" despite the fact that some DCA employees think that they are.0 -
Feux_Verts wrote: »Well surely if they have "absconded" then there is no point whatsoever in telephoning the neighbour of the address where the debtor has "absconded" from?
This sentence just proves how limited your understanding is.Feux_Verts wrote: »Lets get this into perspective here - these are Debt Collectors - they are NOT the Police, Bail Authorities, Customs and Excise etc. These are commercial companies with no LEGAL authority whatsoever, who use - to say the least dubious - methods to attempt to extort information from people about other people on matters which have nothing at all to do with the person being questioned. (And before anyone else picks me up on it - it is the COURT and only the COURT that has any authority on a debt - DCA's might eventually go to court - but they have no part in enforcement, that's a "professional" job).
:rotfl: :rotfl: :rotfl:
Thanks for the laugh.0 -
Tootsie_Roll wrote: »Thanks for the laugh.
Are you suggesting that DCA's do have some legal power and that I am incorrect? Please advise us of these legal rights, as you seem to be an expert.
I'm not aware of making any joke, if you think debt is funny then I suggest you are in the wrong place.0 -
Tootsie, I don't owe any money, so please take off your debt collecting hat and listen to what I have to say, bearing in mind that you can understand I do not have an axe to grind.
The idea of debt collectors calling neighbours etc is absolutely disgusting to any normal minded person. Not to mention deceitful to said neighbour 'an old friend trying to get in touch' and likely to cause problems between the person who owes the debt and the person who has NOTHING to do with it but is being used as a pawn.
I think that you can see no further than the end of your nose if you think that there is any legitimate way that this can be justified to a normal, right thinking person. Get your nose out of the ledger/debt book, and look at it the way a normal person would look at it.
It's an utter and complete disgrace.0 -
Tootsie, I don't owe any money, so please take off your debt collecting hat and listen to what I have to say, bearing in mind that you can understand I do not have an axe to grind.
The idea of debt collectors calling neighbours etc is absolutely disgusting to any normal minded person. Not to mention deceitful to said neighbour 'an old friend trying to get in touch' and likely to cause problems between the person who owes the debt and the person who has NOTHING to do with it but is being used as a pawn.
I think that you can see no further than the end of your nose if you think that there is any legitimate way that this can be justified to a normal, right thinking person. Get your nose out of the ledger/debt book, and look at it the way a normal person would look at it.
It's an utter and complete disgrace.
I completely understand why a 'normal minded person' such as yourself has this view. Any person looking from the outside in probably holds the same view. Spend a few weeks/months working for a lender listening to the lies and deceipt that occurs at every level and you will have a better understanding of why actions like this occur. Please remember that in the main we are talking about people who are deliberately trying to avoid repaying what they owe by moving address without informing the lender where they have gone. Why do these people deserve to get away with it ? When they take these sort of actions why do they deserve special treatment ?
It's all very well taking a moral stand point but please be aware of the facts behind the scenes before making a judgement.0 -
Well TR you have been banned from 2 sites then? Please god let this one add to it soon. You are in the wrong place.....you should be elsewhere I think!MBNA are a joke.
DFW Nerd No. 2320 -
Agreed. Not very helpful at all, Tootsie Roll, and bordering on abusive. If you're aiming your comments at, and I quote "people who are deliberately trying to avoid repaying what they owe", you're in the wrong place. This forum is called "Debt Free Wannabe". Please take note and promptly do one.No longer visiting these forums.0
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