Not massive - but what would you do?

tommytynan123

[FONT=Arial, sans-serif]Mobile [/FONT][FONT=Arial, sans-serif]with 'TMob' (My contract for son's phone who had been laid off! - yes I know – pse don't preach at me!!)[/FONT]
[FONT=Arial, sans-serif]1. Over a few months / big bills / phone cut off / big final bill incl: 18 months contract cost = £650 ish.[/FONT]
[FONT=Arial, sans-serif]2. I lost my job – talked to TMob / made some payments (not huge) / a/c passed to Direct Legal Coll (DLC)[/FONT]
[FONT=Arial, sans-serif]3. Made an arrangement with DLC of £15pcm. (about Nov 09). / Paid on time every month (by manual bank t/f to DLC) until Dec 2010 when, not sure why, paid £10.[/FONT]
[FONT=Arial, sans-serif]4. Letter from Scotcall as the DCA saying [/FONT][FONT=Arial, sans-serif]''I had broken the agreement''.[/FONT][FONT=Arial, sans-serif] Raised my hand and said 'please teacher – who are you?''[/FONT]
[FONT=Arial, sans-serif]5. Scotcall said that [/FONT][FONT=Arial, sans-serif]''they were handed the case by DLC in March 09''[/FONT][FONT=Arial, sans-serif]. Thats 8 months [/FONT][FONT=Arial, sans-serif]before[/FONT][FONT=Arial, sans-serif] the arrangement with DLC(para 2). Scotcall said that [/FONT][FONT=Arial, sans-serif]''the payments to DLC had been passed to them each month''[/FONT][FONT=Arial, sans-serif]. Balance was now £200 ish. I paid the £5 immediately.[/FONT]
[FONT=Arial, sans-serif]6. Few exchanged emails later and I said (with a little humour) that I am happy paying as before now I know the situation. I also said that I don't do DDs so if Scotcall want the cash direct it will be bank t/f or paying-in book. I also asked for a statement covering the last 2 years as I have never had one (my fault but .. more pressing matters .. and no reason to worry about the plan really)[/FONT]
[FONT=Arial, sans-serif]7. [/FONT][FONT=Arial, sans-serif]Rude and obnoxious reply[/FONT][FONT=Arial, sans-serif] saying [/FONT][FONT=Arial, sans-serif]''we don't do bank t/fs and we have no copy of the statement, it was not supplied by TMob/DLC and no idea of any past charges etc etc – you will have to ask TMob''. [/FONT][FONT=Arial, sans-serif]And the funniest line was[/FONT][FONT=Arial, sans-serif] ''we have managed to reduce the balance using your payments'' [/FONT][FONT=Arial, sans-serif](Wow - thanks:rotfl:)[/FONT]


[FONT=Arial, sans-serif]Glancing through the OFT etc and some self-thinking leads to:[/FONT]
[FONT=Arial, sans-serif]1. [/FONT][FONT=Arial, sans-serif]I had [/FONT][FONT=Arial, sans-serif]no idea of the t/f of DCA [/FONT][FONT=Arial, sans-serif]and for 20 months I was dealing with and paying DLC. [/FONT][FONT=Arial, sans-serif]2. As DLC are not officially involved (since Mar 09) surely [/FONT][FONT=Arial, sans-serif]the agreement with DLC[/FONT][FONT=Arial, sans-serif] to pay £15 pcm (on behalf of Orange) [/FONT][FONT=Arial, sans-serif]is totally invalid.[/FONT][FONT=Arial, sans-serif]3. T[/FONT][FONT=Arial, sans-serif]hose contacting debtors [/FONT][FONT=Arial, sans-serif]not making clear who they are[/FONT][FONT=Arial, sans-serif], who they work for, what their role is, what the purpose of the contact is (1st and only letter from Scotcall after I had been tricked into believing I was paying DLC.)[/FONT][FONT=Arial, sans-serif]4. [/FONT][FONT=Arial, sans-serif]F[/FONT][FONT=Arial, sans-serif]ailing to provide debtors or creditors with information on status of debts[/FONT][FONT=Arial, sans-serif], for example, not providing requested balance statements when reasonably requested. (para 7 above)[/FONT][FONT=Arial, sans-serif]5. Using [/FONT][FONT=Arial, sans-serif]more than one debt collection business at the same time[/FONT][FONT=Arial, sans-serif] (DLC / Scotcall)[/FONT][FONT=Arial, sans-serif]6. [/FONT][FONT=Arial, sans-serif]N[/FONT][FONT=Arial, sans-serif]ot ensuring that an adequate history[/FONT][FONT=Arial, sans-serif] of the debt is passed on as appropriate [/FONT][FONT=Arial, sans-serif]7. [/FONT][FONT=Arial, sans-serif]Not informing the debtor when their case[/FONT][FONT=Arial, sans-serif] has been passed on to a different debt collector [/FONT][FONT=Arial, sans-serif]8. P[/FONT][FONT=Arial, sans-serif]assing on debtor details to debt management companies [/FONT][FONT=Arial, sans-serif]without the debtors' informed prior consent[/FONT][FONT=Arial, sans-serif] [/FONT][FONT=Arial, sans-serif]What would you do ? My thoughts are to throw the 8 points at them and put the a/c in dispute until I have satisfactory answers.[/FONT]

rugbychick81

Hi Tommy
Can you not just continue payments as before?
RC

tommytynan123

Hi Chick Thanks

para 6 above is:

6. Few exchanged emails later and I said (with a little humour) that I am happy paying as before now I know the situation


Scotcall now want the payments direct (what has changed in the last 14 months ?) but do not accept bank t/fs - ODD.
I've decided to pay anyway via DLC on 1st March and see if it returned. I am also going to ask for answers to all my Qs above.
Keep them busy

Bye for now