My Rights & Those Of Debt Collectors

k-man · 22 April 2008 at 3:18PM

Hi all,

Just a quickie,

Do I have to give my name to debt collectors? The reason I ask is that AJR phoned me last month regarding the former occupier of my home (we moved in 14 months ago). I told them then that she no longer lived here, gave them the names of the solicitors who dealt with our house move, but refused to give them my name/surname. They phoned again today (well I had to phone them, they left an sms on my landline saying i needed to ring 0870). I got a bit angry and called them incompetent, threatened to report them to OFT/Telecommunications watchdog for harassment, they said they will do nothing as I have to give my name. Is there any reason i have to give it? I cant see how that will prove anything, and leave me liable for more hassle in the future?

TBH I mainly refused to give my name as I (like most people) dislike DC with a passion, and I want to make things as difficult for them as possible now. I know theres nothing they can do to me or my property, with or without my name.

so should I give them it or should I ignore them???

Cheers
k

itsnever2lateisit? · 22 April 2008 at 3:43PM

You have done all you can to help the DCA, I would return any letters marked 'Gone Away' and ignore any calls. How did they get your mobile number?

GeorgeUK · 22 April 2008 at 3:44PM

Not too sure, but personally i wouldn't provide ANY details - not even my name. It may be their company policy to ask but you are under no obligation to tell them.

RAS · 22 April 2008 at 3:45PM

Start with reading the OFT Guidelines for debt collection from the link below,

Office of Fair Trading, Contact page: http://www.oft.gov.uk/advice_and_res...ase/legal/cca/

immoral_angeluk · 22 April 2008 at 3:52PM

You are under no obligation to provide them with anything. They have to prove that YOU owe the debt.

fermi · 22 April 2008 at 5:14PM

immoral_angeluk wrote: »

You are under no obligation to provide them with anything. They have to prove that YOU owe the debt.

Completely agree!

RAS wrote: »

Start with reading the OFT Guidelines for debt collection from the link below,

Office of Fair Trading, Contact page: http://www.oft.gov.uk/advice_and_res...ase/legal/cca/

I just get a "page not found" error on that link RAS.

This one works I hope.

Debt collection guidance (pdf 117 kb)

RAS · 22 April 2008 at 5:55PM

That is the third time the OFT links seems to have changed since I have been on here!

it worked last week. Thanks for spotting it fermi.

fermi · 22 April 2008 at 6:16PM

RAS wrote: »

That is the third time the OFT links seems to have changed since I have been on here!

it worked last week. Thanks for spotting it fermi.

I know.

I find it easier to bookmark this page:

http://www.oft.gov.uk/advice_and_resources/publications/guidance/consumer_credit_act/

That always seems to contain a valid link to the document, even when they switch urls.

k-man · 30 April 2008 at 7:00AM

Hi all,

Sorry about the really late reply, I thought id thanked everyone earlier but obviously not!

I suspect they got my landline number as I think they are representing The Littlewoods Group, and I also have an account from them, guess they searched their database and found a matched address??? If this is the case, is it legal for Littlewoods to pass over my phone number to the DC under Data Protection????

Thankss anyway
k

excel1 · 30 April 2008 at 7:07AM

They dont have any rights!:beer:

Clariman · 30 April 2008 at 7:07AM

There is an excellent "What can they do to me" post written by a debt expert on The Motley Fool website here, which explains the rights of debt collectors etc.

Clariman (no connection with site other than as a user)

My Rights & Those Of Debt Collectors

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