'Threatened' with a visit

Why_oh_why

I had a call from Capital One today. Usually I ignore the phone but as I was waiting for someone to phone me for a telephone interview I stupidly answered the phone. The guy asked for my security details which I refused to give (as I always do when someone phones me). As I was explaining why I would not give my details my mobile phone started ringing - it was obvious that that call was my interview. Anyway I said to the Capital One guy that I had to go and would call back - I kept saying I had to go and kind of heard him say that someone would be calling round tomorrow (I didn't hear properly as I was worrying about my other call).

I am now undecided as to which of the following actions to take:

1. I am currently getting together my letters for all of my creditors to offer my token £1 payment per month - do I ignore the fact that someone might turn up tomorrow and just get the letter sent (and continue to ignore the phone).

2. I owe Capital One about £240 - I might just be able to afford to pay this off (obviously other things will need to suffer) - is it worth paying them to 'get them off my back' and then send my offer letters to all the other companies I owe money to.

Apologies for babbling, any help would be greatly appreciated.

Harassed_2

It's highly unlikely that anyone will visit. Capital One have most of their call centre staff in India. Long way to come.

Even IF someone calls, you are under no obligation to either admit them or speak to them. Tell them to **** off and write. If they don't go, then call the police.

That simple - so don't worry.

juno

Harassed wrote:

It's highly unlikely that anyone will visit. Capital One have most of their call centre staff in India. Long way to come.

Capital One are mostly based in Nottingham; I have an interview there tomorrow

Robert_Sterling_3

Why_oh_why wrote:

The guy asked for my security details which I refused to give (as I always do when someone phones me). .

He was probably only checking some details to make sure he was talking to the right person.

sockospice

Could he have said he would call back tomorrow, rather than 'call round'?

davels

I'd suggest not answering the phone is the worst thing to do, it only serves to make things more stressful & confusing.

Answer the phone, explain to them that all communication should be in writing and that your not in a position to discuss it over the phone. Ask for the person's name & the department they work in prior to starting the discussion. You must be firm with them. By not answering, they don't know your situation and won't be sympathetic to it.

As for the baliffs, just don't answer the door. It takes longer than 1 day for Capital One to sell the debt to a debt collector anyway, Capital One would not be calling you today if they had sold the debt...

As as for not giving anybody details when they call you - GOOD! In these day's of "phishing" we cannot allow random people who call us to get details about our private lives like mother maiden name, full address etc.

Best of luck
davels

Why_oh_why

Thanks all.

With regards to not giving my details - I don't know for definite who it is, especially if the number comes up as withheld and some of my accounts have passwords on them - don't want someone else getting me in even more trouble.

I will call round the companies that have been phoning me constantly and try and sort something - my token offer payplan letters will also be posted tomorrow.

Thanks again.

Bilgeman

Well, I would cerainly never give out any details to someone who rang me up and began by asking for them. I know it's a security measure if the case is genuine but the best advice is repeated on this forum many times; if you know who it is calling, write to them and ask them to conduct all business in writing and if you don't know just tell them the same - 'anything you have to say to me please put it in writing so that I have a hard copy' and then be sure to reply to any correspondance.