Halifax threatening to send someone out

HugoSP

Donedoingdebt wrote:

Are you a Dentist??????

I suspect hes the guy that does the preparation work:D

clarab_3

Sorry - got called away this advice

post wrote:

Office of Fair Trading Debt Collection Guidelines:

Physical Psychological Harassment

2.5 Putting Pressure on debtors or third parties is considered to be oppressive

2.6 Examples of unfair practices are as follows:

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

I did a lot of research on this before I got started, but if you follow this rough procedure you cannot go far wrong. Firstly ensure you have sent them you complete list of outgoings and an offer of what you can afford, keep a copy. If they still say you have to pay an unafforadable amount or at worst slam a DEO on you, you should do the following:

1. Email every director and evrey contact you can get at the OFT, Trading Standards, TV, Newspaper, local MP, National MP, Eurpean Courts. (I have a lot if you need any help)

1. If a collections agency are giving you trouble on the phone, DO THIS NOW (firstly ensure that they are aware you have just purchased a'TL3 Telephone Record Interface' so from now on all your conversations will be recorded, it might be worth looking into doing this anyway. Explain to them that you have been instructed to do this by a solicitor and that you believe they are in violation of the Office of Fair Trading Guidelines under Physical Psychological Harassment 2.5 Putting Pressure on debtors or third parties is considered to be oppressive, 2.6 Examples of unfair practices are as follows: f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so)

2. Fax the collections agency informing them of your intent to bring their company into disrepute as they are breaching the guidelines set out by the OFT, and who you have just contacted.

is your amunition from another post http://forums.moneysavingexpert.com/showthread.html?t=327313

Batfink

Fait_accompli wrote:

My God, I get so angry when I read these threads. How dare banks or anyone harrass you like that?

Thats just what I was thinking. When I read about people getting called multiple times every day it makes me really quite sad.

Once I'm debt free, I never want to borrow from anyone again - but these days you have no choice but to use at least one of these companies and as far as I can tell there isn't one of them that doesn't employ these nasty techniques. Fair enough - they want back what people owe - but can keep ringing up really make any difference? I know that sort of treatment would make me so depressed and upset - how do you all cope so well?

Batfink x

Morglin

If you can't change your phone number, then you could try getting an answerphone that lets you hear who it is before you pick the phone up.

If it's Halifax, than ignore it.;)

They will soon get bored of no response.

Then, send them a Recorded Delivery letter stating that you will only deal with them by mail and that if they persist in harassing you, then the matter will be taken further.

Broken_hearted

Batfink wrote:

Thats just what I was thinking. When I read about people getting called multiple times every day it makes me really quite sad.

Once I'm debt free, I never want to borrow from anyone again - but these days you have no choice but to use at least one of these companies and as far as I can tell there isn't one of them that doesn't employ these nasty techniques. Fair enough - they want back what people owe - but can keep ringing up really make any difference? I know that sort of treatment would make me so depressed and upset - how do you all cope so well?

Batfink x

The phone calls alone must cost a fortune. Halifax had my mobile number so they were probably paying out more than they got in.

moonlightpjs

carriel wrote:

Getting a bit stressed here about the Halifax, everyone else has accepted our payment plan & we are keeping up regular payments to Halifax even though they havent accepted.

They phone at least 6 times a day & last week we had a letter (not a letter really, just a compliments slip) saying they are sending a representative to visit us, no time or appointment, just said on the 15th which is tomorrow:eek:

We wrote back saying we arent available that day & that in future could they ensure all correspondence is done via post etc, but they are still calling all day & I have a feeling someone will just turn up tomorrow, which is making me very anxious.

Do you think this is just a scare tactic to make us pay up, or do you think someone will actually come? Do we have to let them in, or can I just refuse them entry & tell them to contact us via post?

Has this happened to anyone else?

Just a thought regarding the phone calls, if you are with BT you can get your number changed free of charge if you call 150 and just say you are getting nuisence calls. Then just give your number to family/friends. I did it to stop the Halifax calling me and its a great weight off our shoulders. You don't have to let them in if they do call round (which I don't think they will) just tell them to contact you by letter and you will write back, all correspondance to be done by post etc. I'm sure you can do this but somebdy else may know better .................................. Is the debt secured? If not, I wouldn't worry too much. Thinking of you today xxxx