Constant phonecalls...

flower_chops

Hi there,

HSBC are constantly phoning me with regard to my debt and I find it really stressful. I have a loan with them that I was struggling to pay so went through CCCS in April. As they won't accept my lower payments they're looking to issue default notice etc, which is fine if they want to do that. I keep them thoroughly up to date so there is no more they can say in a phonecall than they can in a letter and have told them time and time again that I am paying every spare penny to them.

I can't answer the phone 9/10 as I'm not allowed my phone on the shopfloor where I work. Also, I don't like to anwer unknown or witheld numbers due to bad experiences in the past. I wrote to HSBC asking that they only contact me in writing and if anything the phonecalls have increased. I am not able to answer them usually so they're coming up as missed calls but it is still annoying. I've kept a log of all the calls they've made for reference too. ANy ideas on how to word another letter demanding they remove my phone number from their records?Or any other tricks of stopping the nuisance calls?

Thanks for any help x

black-saturn

Are you saying they are phoning you at work? If thats the case tell them that you are unable to receive phonecalls at work and ask them if they have anything to say to you could they please put it in writing.

Also if they are constantly phoning you it might be seen as harrassment by the police so if it really bothers you keep a note of the calls and go to the Police about it. They don't need to keep ringing you about the same points. One phonecall should do.

flower_chops

Thanks Black_Saturn. Thankfully they don't have my new work's phone number (got them to remove my old work's phone number ages ago because of repeated phonecalls). Think I will write another, firmer letter then and keep logging any further calls from them.

Tiff_2

flower_chops wrote:

Hi there,

HSBC are constantly phoning me with regard to my debt and I find it really stressful. I have a loan with them that I was struggling to pay so went through CCCS in April. As they won't accept my lower payments they're looking to issue default notice etc, which is fine if they want to do that. I keep them thoroughly up to date so there is no more they can say in a phonecall than they can in a letter and have told them time and time again that I am paying every spare penny to them.

I can't answer the phone 9/10 as I'm not allowed my phone on the shopfloor where I work. Also, I don't like to anwer unknown or witheld numbers due to bad experiences in the past. I wrote to HSBC asking that they only contact me in writing and if anything the phonecalls have increased. I am not able to answer them usually so they're coming up as missed calls but it is still annoying. I've kept a log of all the calls they've made for reference too. ANy ideas on how to word another letter demanding they remove my phone number from their records?Or any other tricks of stopping the nuisance calls?

Thanks for any help x

Hi flower
uh-oh, sounds like it's time for a Tiff letter!:D Send by recorded delivery so they can't wriggle out of it Ahem...:rolleyes:

Dear Sir/Madam,

Despite my previous letter requesting that all communications on this matter are to be made in writing and not through 'phone calls, you have failed to comply with this.

I am in contact with you regularly to keep you informed, so there is no question that I'm trying to evade the debt. I am co-operating fully. I am not allowed 'phone calls during my working day and your determined persisitance to 'phone me there, could jeopardise my employment and therefore my ability to repay my debt.

If this situation continues, regretfully, I will have no other recourse than to seek further advice because I feel your actions could be construed as harassment, as I have already requested that the matter be dealt with only in writing. I feel this is the best way for both parties to have an accurate record of the situation and can lessen the chances of any misunderstanding.

Therefore, I give you notice and I request again, that all communication between us to be in writing as from the date above.

Yours sincerely,
.......

Not too happy - wanted to be a bit harsher with them:mad:
Calm down Tiff - it's only a letter!:rolleyes:

The other thing to do (apart from changing your number) is to use the free 1471 line. Tell family/friends in advance that you will not answer your phone (make up an excuse if necessary) and that they should leave their number - or a message if you have 1571. That way, any unlisted numbers that show on your phone will not get your attention.
Also if you have a caller ID on your phone, you can screen calls. If there's no message the chances are that it's from a company & you need only answer the 'phone to people you want to speak to.;)

Hope this helps flower - I will come back & edit this letter if it doesn't sound strong enough. Take care hun

barnaby-bear

flower_chops wrote:

Hi there,

HSBC are constantly phoning me with regard to my debt and I find it really stressful. I have a loan with them that I was struggling to pay so went through CCCS in April. As they won't accept my lower payments they're looking to issue default notice etc, which is fine if they want to do that. I keep them thoroughly up to date so there is no more they can say in a phonecall than they can in a letter and have told them time and time again that I am paying every spare penny to them.

If you owed me a shed load of money, you'd promised to pay and signed bits of paper to say you would and then didn't and seemed to be wanting to avoid me then I'd be bugging you. You can kind of see their point, you said you'd give their money back and didn't they don't really trust you so are just keeping tabs on you. I'd be pestering someone owing me money and constantly checking up on them.

ZTD

barnaby-bear wrote:

If you owed me a shed load of money, you'd promised to pay and signed bits of paper to say you would and then didn't

Going through CCCS is not avoiding paying money. It is paying back at a more affordable rate. What the creditor is hoping for is to apply enough pressure to be given special dispensation - i.e. to rip the other creditors off.

HTH

barnaby-bear

ZTD wrote:

Going through CCCS is not avoiding paying money. It is paying back at a more affordable rate. What the creditor is hoping for is to apply enough pressure to be given special dispensation - i.e. to rip the other creditors off.

HTH

Hardly surprising, someone didn't get paid by a neighbour for making a cake and everyone piled in suggeting going round her house, trying to ask/embarass her in front of other people into paying up, texting, phoning, going round to mutual acquaintances. Now if you knew cake lady owed lots of people but you wanted your money wouldn't you try to make sure she wanted you to go away. It's completely understandable why they are contacting her.

ZTD

Did I feed a troll there? Ooh hush my mouth!

:silenced: :shhh: :lipsrseal

:rotfl: :rotfl: :rotfl:

barnaby-bear

ZTD wrote:

Did I feed a troll there? Ooh hush my mouth!

:silenced: :shhh: :lipsrseal

:rotfl: :rotfl: :rotfl:

http://forums.moneysavingexpert.com/showthread.html?t=258081&highlight=neighbour+cake

furrychimp

check out the consumer action group's site, they have info on harrassment & the relevant legislation (i think it's the Wireless & Telephony Act you can use here) - can't remember their site address, but it will be listed in the reclaiming bank charges threads on here. If you have done all you can to speak to them and try and settle your debt in a reasonable way, which it seems you have, I would have no hesitation in writing to them to tell them you will seek legal advice on harrassment. A creditor has no legal right to continually phone you if you have made attempts to settle your debt with them, do not let them intimidate you! you could also explain how difficult it is for you to answer your phone during working hours and ask again for all requests to be put in writing??

joolz43

The main problem is (and a man from HSBC confirmed this to me last week) is that they will not accept any offer that is made that is less than your agreed payment. This is different from other creditors and makes them a difficult company to cope with.

Let us hope that Mr Barnaby Bear never finds himself in this kind of situation because believe me most of us here thought this would never mean us!