How do I stop these calls?

Rachelc_2

Hi I have missed a payment of £9.74 on my Halifax credit card and told them I can pay it next week. However they are still calling me 5-6 times a day including the weekend from 08.00am until 9.00pm harrassing me for payment. They have also sent me four letters regarding this in 10 days. Are they allowed to continually harrass me like this? its making me feel physically sick.

bolero-daro

Possibly not...I am looking into this currently. I believe (and this is what I wish to verify) that they CANNOT do this to you if it is their intent to cause you distress or harm. I would suggest that as you've spoken to them about the issue, and they've now ignored it/not noted it/chose to keep calling that you may indeed have a case of harassment...but I'm no lawyer. Common sense tells me just because you are in breach of an agreement does not entitle them to hound you until 9pm at night!

Rachelc_2

Thanks for your reply. Its a nitemare isnt it constantly getting calls! I have phoned the Halifax this morning as received four calls already today. They have said they will continue to call until I pay the amount. I have asked for a call from the manager but still waiting!! The number that they keep ringing me on is a 08445 number which isnt the number for Halifax but for a foreign call centre.

niccy

http://www.opsi.gov.uk/acts/acts1997/ukpga_19970040_en_1#pb1-l1g1


turn the tables on em girl

makes my blood boil, if i done this as a private individual to someone who owed me money,i'm sure i would get done for harassment.

turn your phone off
answer machine
change phone number

Megatimbo

Hello i can relate to this,and i`ve got a caller ID so able to monitor the calls i get i`ve had so many recently (that i`ve unplugged the phone but still able to view who`s calling me as mentioned.

I started Googling the numbers to find out who the companies are

Found this site to be useful the link is :-

http://whocallsme.com/

More than likely the companies will be on this site,just type in the number and you will probably identify the culprits (i`m being polite here

If the caller is genuine they will leave a message although some are so called "silent calls" which i thought were illegal now?

Regards M

flateric_2

Is your phone with BT, If so subscribe to their "Choose to refuse" service. It allows you to bar numbers. I used it when my Wife was being harassed by her Ex, You have the option to bar last caller etc,etc. There is a subscription fee, but it's extremely useful. :j

niccy

http://www.google.co.uk/search?rlz=1C1CHMB_en-GBGB297&sourceid=chrome&ie=UTF-8&q=harassing+phone+calls+from+credit+card+companies

plenty to read here

bolero-daro

I make the guy who said as a private individual he'd expect to get done for harassment.

Just because you owe them money doesn't mean they can make you feel ill, threatened, unsafe or otherwise inflict harm on you (harm doesn't have to be physical).

I wouldn't wait for the manager to call...they never will. Do what I did today and fax them a signed letter stating you are under stress and that you are feeling threatened by them and are suffering. State CLEARLY that you now feel harassed.

If they continue then they are breaking the law!

These call-centre people make me want to puke. They speak to us like we are plebs and they are "gid" or the government themselves...they are neither, they are credit providers and they are also more than well insured should you default on your £9 debt.

They do NOT have a right to treat you this way.

I have a friend who justs mioaws at them until they hang-up....but she's bored and unemployed!

Personally, I would call your local Police station (or better still pop-in) and lay a charge of harassment for the simple reason alone they've stated that they will continue to keep calling you until you pay. It's just NOT legal! You have basic rights!

Rachelc_2

Thankyou all for your really useful replys. It means alot. Since I posted this message at 11.47 am today I have had 4 calls from them which I have ignored. I have registered there number with offcom and looked on the website whocallsme.com and there are hundreds of people reporting the same thing from the same number. Next time they ring me im gonna scream down the phone!!!

NickX

I think you could report them to Trading Standards for this.

As others have said you have a right not to be harassed depsite owing them (an incredibly small) amount of money.

If you have explained your circumstances and asked them to stop the calls then they are obliged to respect that.

Good Luck.

oldone_2

If as the O.P says, the debt is £9.47, then Halifax are taking disproportionate steps.One or two calls are acceptable, any more is harassment.I suspect the cost to date to Halifax is more than the amount owing. This should be reported immediately.