Debitas Legal Services

Bullman2000_uk

Have just had a very very rude bloke (for the second time in a week) phone me up a shout at me down the phone. I owe around £300 to capital one and was paying Debitas £40 a month which I was struggling to pay.

I missed a payment as I was just unable to pay and they have now told me they are hiking my payments up to £50 a month as it has to be paid off within 12 months. Can anyone suggest what I should do regarding this as I cannot afford payments like that. I am now looking a debt management as I can't cope with creditor being like this.

Any Ideas on what to do?

Optimist

Shouting at you is harrasement and a clear breach of OFT rules contact consumer direct on 08454 04 05 06 to report them. Only deal with these people by letter in future or contact Citizens advice who will help you to deal with them

Verbatim

Absolutely! How dare they bully like that . Report them.

Bullman2000_uk

Does anyone have an address for them as I have never been sent any letters although they claim that they have sent them to me?

JessW1986

I am so relieved to ear that I am not the only one with a horrible experience with Debitas. I've literally just got off of a call with one of their managers (and just before that one of their incomprehensibly rude advisers). I had missed one payment (which, obviously, is why they're phoning me, I understood that) I said to them when I would be getting money and how much I could pay. They said tht isn't within a week so they would have to escalate it but if I could pay £15 within a week that would be fine. I said no, I have no money until the 19th and if they wanted I would send me a bank statement. They said they had to receive the money within a week or all of it (I'm not sure how I would say no to £15 but happy to say yes to the full amount). So then she said all they needed was £5 in the next week. I asked her if she was listening to me. She said yes but I had to pay the money and refusing to would get me into more trouble. I said I wasn't refusing to I just couldn't. She said I had to pay £15 within the next week.

Anyway, this went on for about 5 minutes and then I asked to speak to her supervisor. She said no. I said to her fine well I've given you all the information you need I don't expect you to call me back. She said she can't stop the calls (many, many calls per day). I said why? She said because I needed to payt he money within the next week.

Eventually, I managed to get a call back from a manager. All I wanted to talk to him about was stopping the calls. But when he phoned back he straight away talked to me like I was some scoundrel trying to steal his money. He said I had to pay the money. I explained to him how much I could pay and when. He said why can't you pay any more. I explained to him that I'm a student and I don't get any more money and then lsited everything I needed to use that money for and explained that £15 to me was a large amount (he told me the amount I was paying was pitiful). He said, well that's hardly an excuse is it? Then he explained to me that if they passed it onto a different company all of the different ways they would be more mean than Debitas. I tried not to laugh given the bullying tactics they've implemented so far. He told me another company would take me to court. I said fine then the court would see how little I could pay and let me pay that. I told him how often I was getting called and that it was harrassment and that I would go to the FO if it carried on. He said a few calls a day is hardly harrassment. That carried on for a few minutes and then I hung up on him.

I wish there was a button on your phone that would allow a punch to come out of the other end of the phone. He just spoke to me like I was dirt on the bottom of his shoe and that I was constantly making excuses and had never kept up my payments and are now refusing to make them. Currently reading through the OFT guide, wondering if I can sue lol.

Thanks to everyone on here, it's nice knowing you aren't alone

skintman01

I've been making regular payments to Debitas since my "payment plan" with them started. I've been receiving many many phone calls each day. Sometimes they speak and sometimes they just hang up when I answer. They are accusing me of defaulting on my payment plan with them, however, when I ask about the default, they can't seem to find it. The unskilled workers there just say "it's showing a default". I told them that I have all my bank statements to prove that I have paid and they have agreed that every payment has been received on, or before, the due date. Hmmm, I've written a letter to them explaining that they have broken the terms of the agreement, i.e, not to call me again, but put everything in writing, but the calls continue. Most start off being very rude but when I stand my ground they cool off a bit, especially when they find out that the mistake is theirs. Still the phone calls continue. I've drafted a letter to the OFT and will copy all correspondence to Debitas to them. Wouldn't be so bad, but the debt is only £400 and I am paying £90 per month

sarahlou-89

Hi Guys, Right then I've been dealing with Debitas on behalf of Cap 1 for nearly 3 months now. They don't get rude with me and neither do I get constant phone calls but I am paying £120 a month to clear the debt off and the debt is only around £800 but apparently its going to take me months to clear it off???
When I set the agreement up I told the woman I couldn't afford more than £20 a week but was told that they couldn't accept that and I needed to pay £30 minimum if not more otherwise it would be passed onto another company who would take me to court.
If I'm paying the debt they can't take me to court because I have records of every time I've phoned to pay and bank statements to prove its been paid. But its still not nice having them threaten me.
Also why do they ask how much you can pay and then say 'if we offer you a discount how close could you get to the total balance' and when you ask for how much they'd discount it they won't tell you until you say how much you could raise and then its unnacceptable?? The last person I spoke to I told them I could pay £120 as I'm stretching myself as far as I can as it is with my bills and they basically laughed down the phone at me.
I have dealt with other debt collection companies and they have been quite friendly and looking to help you as much as they can. Although Moorcroft that work for Tmobile are as rude, if not ruder than Debitas. I have refused to pay them more than once a month because of the attitude I recieved.
Hope this was helpful.

Fire_Fox

Read 'Having Fun with Debitas':
http://forums.moneysavingexpert.com/showthread.html?t=741653