Creditor Calls stopped but now visits threatened

greentrader

Hello again

I have been working with CSSS and the people on here to try and get my debt under control and get my life back on track. I have started to work again and so I do have some money coming in but not enough to meet more than the essentials. I've sold my car and that money was spread betyween creditors as advised by CSSS. All of the crdit cards people have been helpful except Crap it all One. They would not leave me alone and so as told on here i changed my phone number. They didnt have my mobile so that was good. The calls were seriously driving me mad and I needed to relax. Now I got a letter from a firm called f.t.c. Total Credit Management and they seem like crooks to me. They send letter which arrive on 17th March and they threaten to visit me at home if I do not reply to them by 14th march three days after letter arrive. How can I reply when letter arrive 3 days later? Then on 19th March I get second letter which say You have not responded to our letter of 7th march yet that later dated 8th March and arrived after their deadline date?

I am now scared witless that these people will visit my home. Plese can someone tell me what to do now?

I send all my details to Crap it All One and also have CSSS details sent to them. I speak to them maybe 20-30 times on phone and tell them of my problems. They force to pay more than I can afford and I make monthly token payment but still they harass me. The other credit card people know my problem and they help me but these people don't care.

Please help

Mothermercury30

greentrader wrote: »

Hello again

I have been working with CSSS and the people on here to try and get my debt under control and get my life back on track. I have started to work again and so I do have some money coming in but not enough to meet more than the essentials. I've sold my car and that money was spread betyween creditors as advised by CSSS. All of the crdit cards people have been helpful except Crap it all One. They would not leave me alone and so as told on here i changed my phone number. They didnt have my mobile so that was good. The calls were seriously driving me mad and I needed to relax. Now I got a letter from a firm called f.t.c. Total Credit Management and they seem like crooks to me. They send letter which arrive on 17th March and they threaten to visit me at home if I do not reply to them by 14th march three days after letter arrive. How can I reply when letter arrive 3 days later? Then on 19th March I get second letter which say You have not responded to our letter of 7th march yet that later dated 8th March and arrived after their deadline date?

I am now scared witless that these people will visit my home. Plese can someone tell me what to do now?

I send all my details to Crap it All One and also have CSSS details sent to them. I speak to them maybe 20-30 times on phone and tell them of my problems. They force to pay more than I can afford and I make monthly token payment but still they harass me. The other credit card people know my problem and they help me but these people don't care.

Please help

Hi Greentrader- I'm fairly new to this site, but every question you need answering is here.

Firstly, remember, ABOVE ALL ELSE, that you do not need to let these people in should they come calling, and if they try to gain access, you call the police, as they are NOT bailiffs!!! They have no powers to enter your home. At all.

Now- what I strongly suggest you do, is one of two (Possibly two of two!) things. Firstly, you need to contact the CCCS and tell them what is going on. Secondly, you need to read the sticky, at the very beginning of this forum, called "READ THIS IF YOU ARE BEING HASSLED". This is a very comprehensive article, and tells you exactly what is and what definitely isn't allowed.

I send you very best wishes, and ask you not to worry- they can call, but all you have to do is tell them to go away. Through the letterbox if you need to! Insist that all correspondence is in letter form, and be nice about it.

For what it's worth, I'm dealing with big debt myself, but we'll get there, and so will you.:beer:

loopy.magic

Hi there

Follow the great advise from Mothermercury30, remember they do not have ANY powers to enter your home. Do not be scared, and do not be Intimidated into giving them more money then you can afford. Refuse to speak to them on the phone and tell them that all communication will only take place via letters.

These are standard tactics used to force you to pay money, but at the end of the day they carry no power to do anything other then to harass you.

Best of luck

Tixy

Hi

You might want to send a combination of these 2 letters
the stop phoning one - http://forums.moneysavingexpert.com/showpost.php?p=11571485&postcount=4
and the don't visit me one - http://forums.moneysavingexpert.com/showpost.php?p=23635529&postcount=59

If they do turn up then either don't answer the door or answer it and tell them to leave. They have no rights if they visit you at home (they are not bailiffs) and if you tell them to leave they must (and will). You can even threaten to call the police if you needed to - but thats very unlikely, they'll leave as soon as they realise you won't talk to them or pay them anything.

barbiedoll

I have a debt with Capital One and after suffering the same fate as you (endless phone calls etc etc) I contacted their complaints department, the details are here...

http://www.capitalone.co.uk/web/how-to-make-complaints.jsf

However, if Total credit management (aka CapQuest :eek:) have taken the debt on, it may be worth letting them know that you know your rights, they may then realise that you don't scare so easily. (Even if you do, we don't want them to know that! )

Send the letters that Tixy posted. by recorded delivery (print your name, don't sign and do keep a copy) and sit tight and wait. DCA's will rarely decline a regular payment, no matter how small and if they want to play hardball and take you to court, a judge will take a dim view of them refusing to comply with your offer to pay, especially as you have sought specialist help with your debts.

Don't let them get to you, I know it's hard to cope with the hassle but things usually settle down, once they know that you won't be intimidated. It may also be worth filing a complaint with the FOS about this, many people are biting back in this way and if we all stand up to these bullies, it may make them think twice next time.
(Although I'm not holding my breath!)