debt agency calling card!

KIM2801

Due to cost an agent is only usually used to doorstep a case when letters/phone call are being ignored or they beleive someone is trying to hide something and the debt value justifies the cost.
Refusiing to deal with the agent only delays the problem - better to contact the DCA or lender direct and make an arrangement you can afford to repay the debt.

10past6

KIM2801 wrote: »

Refusiing to deal with the agent only delays the problem

Send them this letter by RECORDED DELIVERY:

Please be advised that I am only prepared to communicate with XXXXXXXXX in writing. OFT rules and regulations clearly state that you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; e.g. the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.).

Therefore take note that I revoke license under Common Law for you, or your representatives, to visit me at my property and if you persist in sending "doorstep callers" to my home, you will be reported for harassment and be liable for damages for a tort of trespass.

You would also be liable for conspiring in a tort of trespass by acting in defiance of my instructions and sending someone to visit me nevertheless.

Should it be necessary, I will obtain an injunction

KIM2801 wrote: »

better to contact the DCA or lender direct and make an arrangement you can afford to repay the debt.

Of coure, not forgetting the most important aspect: PROVIDING THE DEBT IS ENFORCEABLE

10past6

smmerbreeze wrote: »

we do want to clear the debt, and it isnt even a lot, only £130, its just we cant give what we havent got.

Numerous DCAs are bullies, no other way to describe it, DON’T ALLOW THEM TO INTIMIDATE / SCARE YOU, we’re here to support / advise you.

Remember, the majority of DCAs are nothing more than ambulance chasers :rotfl: :rotfl: :rotfl:

10past6

smmerbreeze wrote: »

they passed the debt onto Moorcroft
Moorcroft sent a debt collector round, I called him back when I got home cos hes quite a scary guy and he said "I don't want things to have to get nasty". Am I supposed to take that as a threat?

Have you brought this to the attention of Moorcrap?

I suggest you urgently compile a letter of complaint to Moorcrap, send it recorded delivery, also, and inform them you will not be making further payments, until the “Doorstep Collector” has been changed.

Amazingly, we had a “New” :rolleyes: member on here last night defending Moorcrap, humm, we’ve seen them here before, they soon get fed up when they can’t intimidate us

rog2

smmerbreeze wrote: »

Is there any way I dont have to answer the door to him? Is it true that they have no powers like bailiffs?
Please HELP!!

You do not have to answer the door to a doorstep collector. Despite what they may intonate, they have no right of entry whether peaceful or otherwise. They must not infer that they have powers, such as siezure of goods, when they do not. You are under no obligation whatsoever to discuss the debt with them, and they must leave immediately when requested to do so.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

RAS

smmerbreeze wrote: »

Hi,
I wish we had done as you suggest! My other half has a debt with a mobile phone company, they passed the debt onto Moorcroft (who I have dealt with before for one of my debts but only over the phone ).
Moorcroft sent a debt collector round, he's been round three times now, my other half agreed to make weekly payments (IN CASH!!! Collector (whose name is Kev) said they could not accept any other payment method and it HAD to be collected as the door. My OH works but I dont have a job at the mo so am here most of the time, he came round today when I didnt expect him to so wasnt in. He rang the home phone and left three messages on the answer phone within the space of 10 minutes.
I called him back when I got home cos hes quite a scary guy and he said "I don't want things to have to get nasty". Am I supposed to take that as a threat?
He's been round and phoned before 7am in the past.
What can I do? I would rather we paid by standing order or direct debit, or even with a card over the phone than have him round.
Is there any way I dont have to answer the door to him? Is it true that they have no powers like bailiffs?
Please HELP!!

I am gob-smacked.

I suggest you write to moorcroft using the letter 10past6 posted up adding that no further payments will be made in cash, and that you want a copy of your statement showing that all previous payments have been credited to your account.

Add to this that you also want the bank account details so you can set up an SOA, and that it that mupet turns upo again, you will call the police.

And has your OH given written permission for you to deal with his debt? Or are Morrocroft breaking the Data protection act as well as the OFT Guidelines?

dazzaofdagenham

smmerbreeze wrote: »

Hi,
I wish we had done as you suggest! My other half has a debt with a mobile phone company, they passed the debt onto Moorcroft (who I have dealt with before for one of my debts but only over the phone ).
Moorcroft sent a debt collector round, he's been round three times now, my other half agreed to make weekly payments (IN CASH!!! Collector (whose name is Kev) said they could not accept any other payment method and it HAD to be collected as the door. My OH works but I dont have a job at the mo so am here most of the time, he came round today when I didnt expect him to so wasnt in. He rang the home phone and left three messages on the answer phone within the space of 10 minutes.
I called him back when I got home cos hes quite a scary guy and he said "I don't want things to have to get nasty". Am I supposed to take that as a threat?
He's been round and phoned before 7am in the past.
What can I do? I would rather we paid by standing order or direct debit, or even with a card over the phone than have him round.
Is there any way I dont have to answer the door to him? Is it true that they have no powers like bailiffs?
Please HELP!!

Just call the police to this moron....