Blair, Oliver, Scott - right to be paranoid?

JimSAFC

These guys have just started up /calls letters again to me gf's mutha. She is on a payment plan etc & keeping up the payments etc, but you know what these people are like.

Anyway, they have told her they are phasing out cheque payments, so she has arranged to pay them by bank card every month and I've just found out she gave them her card details.

Needless to say after all the things I've read on here over the months I'm just a little concerend it could to lead to bother, e.g. they could just charge her all of her bank account (the bank account isn't any of BOS's affilates. HBOS/Halifax etc).

Could they potentialy do this? Or am I just being ultra paranoid?

Hannah_10

I think you mean your girlfriends mother?

You are rightfully paranoid, DCA's are generally scummy little crawlers. Thankfully they are less scummy than payday loans companies, so just changing her card should fix that. Then she should set up a standing order to pay them (not direct debit, never direct debit). You are paranoid in slightly the wrong direction though, because what I would expect them to do is take more off the card or take an extra payment off the card, rather than anything clever like Setting Off. Read more about Setting Off here.

JimSAFC

Thanks for the reply Hannah and for correcting my text talk nonsense :-)

I think I might get her to cancel that card and ring them back to organise a standing order. The bank she's with isn't affiliated to them so yes I doubt they could take back the outsanding amount and as you say would probably take two payments or such like in an 'innocent mix up'.

It's truly a shame folk have to second guess these knackers and nothing is set in stone & straight forward.

Hannah_10

There are rules, the Office of Fair Trading ones are the most straight forward (google oft664 - that's the name of the document that lays them out). Just knowing them can save a lot of being taken for a ride. You should print them off and have her read them, and you, it can't hurt to know.

nottoolate

Hannah_10 wrote: »

There are rules, the Office of Fair Trading ones are the most straight forward (google oft664 - that's the name of the document that lays them out). Just knowing them can save a lot of being taken for a ride. You should print them off and have her read them, and you, it can't hurt to know.

its in the sticky