Bl**dy FPC debt collections sending letters to my parents!

Faye449

Oh help.
I'm on a DMP with CCCS but only in my 2nd month so things haven't settled down properly yet. Capital One have passed my debt to their own debt collection company FPC. I have written to capital one about my DMP with all the info etc etc but for some reason FPC have sent a letter to my parents address where I lived about 7 years ago saying they were having problems contacting me and that they had been informed that I was now residing there. I'm not!

What I am so worried about is that my parents don't know the extent of the mess I got myself into and I don't want them to know. Thankfully the letter that was sent to them only had a ref number on it and nothing else but I've had one from them before saying what it was for and how much.
My dad says he is going to ring them tomorrow and tell them I don't live there anymore. Will they tell him anything?! I have tried to dissuade him from doing that but he isn't having it and if I make a big deal out of it he will get suspicious.

What should I do?!

Lexxi

Legally they shouldn't discuss this debt with your father as it is not his debt. Could you telll your dad that you have written to them to complain and then get a letter to them giving your address and the date you moved there, just so that you have something in writing should they try sending anything else?

Faye449

Thankyou, I will write to them again. God knows what they are playing at, I wonder why they decided to try my old address when I have sent my token payments etc to Capital one attached to letters with my current address on them.

DVardysShadow

Faye449 wrote: »

Thankyou, I will write to them again. God knows what they are playing at, I wonder why they decided to try my old address when I have sent my token payments etc to Capital one attached to letters with my current address on them.

Basically, they are harassing you by attempting to embarrass you in front of family.

Faye449

DVardysShadow wrote: »

Basically, they are harassing you by attempting to embarrass you in front of family.

Thank you for replying, Do you think it's worth trying to complain about it? Am just thinking that everything I have written to them so far has pretty much been ignored.

DVardysShadow

Faye449 wrote: »

Thank you for replying, Do you think it's worth trying to complain about it? Am just thinking that everything I have written to them so far has pretty much been ignored.

Not really my area of expertise. I have been fortunate in life and I have never had to deal with debt harassment. I can identify it, and understand the psychology behind the attack, but I have no direct experience of dealing with it. Someone may be along with some suggestions, otherwise do some searches on this forum for 'harassment' and similar and you may get more ideas

Deep_In_Debt

I'd complain about it. They shouldn't be discussing your debt with anyone else. That's confidential and surely data protection. Usual bullying tactics I'm afraid. I've heard of creditors ringing debtors' neighbours pretending to "have the wrong number"...to seemingly to "name and shame".

Numpty_Monkey

[FONT=Univers-Bold, sans-serif]As the letter was sent to your old address get your parents to send it back with "not at this address" written on it
[/FONT][FONT=Univers-Bold, sans-serif]as for things to keep in mind [/FONT][FONT=Univers-Bold, sans-serif]

From The OFT guidelines

2 UNFAIR BUSINESS PRACTICES[/FONT]
[FONT=Univers-Bold, sans-serif]Communication[/FONT]

[FONT=Univers-Bold, sans-serif]Physical/psychological harassment[/FONT]

[FONT=Univers-Medium, sans-serif]2.6 Examples of unfair practices are as follows:[/FONT]

[FONT=Univers-Medium, sans-serif]j. acting in a way likely to be publicly embarrassing to the debtor either[/FONT]
[FONT=Univers-Medium, sans-serif]deliberately or through lack of care, for example, by not putting[/FONT]
[FONT=Univers-Medium, sans-serif]correspondence in a sealed envelope and putting it through a letterbox,[/FONT]
[FONT=Univers-Medium, sans-serif]thereby running the risk that it could be read by third parties.

[/FONT] [FONT=Univers-Bold, sans-serif]Deceptive and/or unfair methods[/FONT]
[FONT=Univers-Medium, sans-serif]2.7 Dealings with debtors are not to be deceitful and/or unfair.[/FONT]
[FONT=Univers-Medium, sans-serif]2.8 Examples of unfair practices are as follows:

[/FONT] [FONT=Univers-Medium, sans-serif]c. refusing to deal with appointed or authorised third parties, such[/FONT]
[FONT=Univers-Bold, sans-serif][FONT=Univers-Medium, sans-serif]as Citizens Advice Bureaux[/FONT][FONT=Univers-BoldItalic, sans-serif], [/FONT][FONT=Univers-Medium, sans-serif]independent advice centres or money[/FONT][/FONT]
[FONT=Univers-Medium, sans-serif]advisers[/FONT]

You can put that in a letter to them and see if they want to play silly burgers;)
If they only have your old address, I'd send them the" prove it" letter
http://forums.moneysavingexpert.com/showpost.html?p=23624459&postcount=3

Do not let them have any phone numbers