1st credit!! Letter from their solicitors about taking me to court, any advise?

RAS

Hi

You could write them a letter in the interim period and send it registered delivery, asking them not to call you at work? The letter text is below.

Your address here
Dear Sir/Madam,
Your reference:


I ask you to remove my telephone number(s) from your database as I do not wish to be contacted by telephone. To continue to contact me by telephone after I have requested you not to constitutes harassment.

Your telephone calls are in breach of the Office of Fair Trading guidelines. If you continue with them after the receipt of this letter, an official complaint, together with a log recording the times and frequency will be passed both to that office and to Trading Standards..

This type of debt collection method is contrary to the ‘Administration of Justice Act 1970’. In that it is intended to cause alarm and distress to the recipient. Your methods will not be tolerated. A formal complaint to the relevant authorities will be made.

Take further notice that continued telephone calls after receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

Communicate in writing and ONLY in writing. Your telephone calls will not be answered. However calls will trigger complaints to the regulatory bodies.

I trust I have made myself understood on this matter.

Yours

Deep_In_Debt

Loving your responses Honeybee! I treat them and all DCA's in a similar way. I'm either so laid back with them that I tell them .."I ain't bovvered" or I speak to them in the manner in which they speak to me. I cannot count the amount of times that they've put the phone down on me! They now know that they can't threaten me and I actually had a nice conversation with an employee of a DCA a while ago - must have made notes on their system about me! But it made one hell of a difference as I was very co-operative and agreed to what they wanted. So may be one day they will learn that threats and attitude get them no where.

notenoughcash

RAS that letter is fab, I'm going to do it today!!

notenoughcash

How funny are these people?

I now have a letter from their debt help team who would like to speak to me about 'reaching an agreement to repay the debt'

Is that not what I've been trying to do since they first contacted me only to be met with false threats in return?

I have no intention of calling them but will print off all the letters I've already sent and see what they come up with this time.

fatbelly

Once you see them for what they are, they become more of a joke and less of a threat.

As I said earlier, just keep up the payments as long as you can afford them.

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eira

When you get letters from a debt collector's 'solicitor'-check the name on the Companies House website-chances are it's the debt collector in disguise. It's all part of the tactics- they know that the mention of a 'solicitor' will cause people to panic. Use the excellent letter suggested on this thread-or the National Debtline (although double check it is the charity) range of letters ; keep everything in writing-don't be bullied into the phone interchanges; don't panic.

Deep_In_Debt

As fatbelly said, 1st Crudit become a joke after a while. You find you go round in circles with them for a few months and then they accept your original offer and they go quiet until review time! Well, that's what happened with me. I just play with them now.

notenoughcash

Had my statements thtough today from barclaycard, worked out unfair charges at £644. Balance with 1st cred is now £546.34. Fingers crossed I should be able to wipe it out completely and maybe have a bit to put towards my overdraft!!

notenoughcash

hello again everyone, I just need a little more advice on this one. Since I sent the harassment letter on 9th july the telephone calls stopped for a couple of weeks but have now started again. I would like to know what to send them now, would love to say something like 'are you people just plain stupid or what' but would like something a little more strongly worded and satisfying if anyone has anything??