Need help with a creditor?

Legacy_user

We have just had a run in with a creditor and I think they warrant a darn right rude letter of complaint.

Here is the story, we owe fashion world(JD Williams) £450, we are paying them a reduced rate going through Payplan of £5 per week.

So they phone

"Hello is this Mr XXX"
"Yes"
"Can you please hold the line while I connect you to your account manager"
"Yes"
"Hello, is this Mr XXX?"
"Yes"
"Mr XXXX your account is seriously in arrears we need a payment of £100 today"
"I don't have £100"
"Why not?"
"Well I don't think thats any of your concern, I am paying a reduced rate at what I can afford and you have already received my income and expenditure"
"Well I am sorry this is going to be passed to our doorstep collection team and they will remove items from your premisses"
THEY HUNG UP
:mad::mad::mad::mad::mad:

Grrr I am so mad that the !!!!!! hung up before I could get off on one, He missed the small matter of going to court before someone could turn up here and take what they wanted, and if their doorstep collection team did make an appearance and try this I'm sure I could class this as burglary and use the necessary force to remove the plonkers??


Whats the best plan of attack here?

Tixy

I would write a letter of complaint and at the same time mention that you know the law in relation to baliffs / removal of goods / doorstop collectors. I'd also use the same letter to revoke their right to visit you at home (assuming NI law is the same as England & Wales) and tell them to remove your number from their system.

You could also ask for a letter of apology for unfair debt collection practices and say that so much as one further phone call will result in complaining to the ombudsman.

That said, as you probably know, they won't turn up at your address or try to remove property.

CLAPTON

are they still charging you interest or is it frozen?

System

CLAPTON wrote: »

are they still charging you interest or is it frozen?

The have there admin charges etc.

DarkConvict

You could tag these in

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

False representation of authority and/or legal position
2.3 Those contacting debtors must not be deceitful by misrepresenting their authority
and/or the correct legal position.
2.4 Examples of unfair practices are as follows:
a. falsely implying or claiming authority, for example, claiming to work on
instructions from the courts, claiming to be bailiffs or, in Scotland,
sheriff officers or messenger-at-arms
b. falsely implying or stating that action can or will be taken when it legally
cannot, for example, referring to bankruptcy or sequestration proceedings
when the balance is too low to qualify for such proceedings or claiming a
right of entry when no court order to this effect has been granted
d. falsely implying or stating that action has been taken when it has not, for
example, that civil action has been taken or that a court judgment has
already been obtained