I'm so angry I'm crying in temper

in_debt_again_but_dealing_with_it

I've got caller id and have been getting frequent 0800 number calls which I believe are from HSBC I just don't answer them - is this okay? I'm in the early stages of DMP (this is the first month I've defaulted) and have sent them good will payments (which have been cashed!!) plus letters to keep them completely informed and my cccs reference. Just can't bare getting drawn into long patronising conversations with people who know nothing of my situation. My experience before xmas tells me they just want to lend me more!!! All I want is to repay what I owe in the only/best way possible - is that so wrong???

shameless-about-money

in_debt_again_and_stupid wrote:

I've got caller id and have been getting frequent 0800 number calls which I believe are from HSBC I just don't answer them - is this okay? I'm in the early stages of DMP (this is the first month I've defaulted) and have sent them good will payments (which have been cashed!!) plus letters to keep them completely informed and my cccs reference. Just can't bare getting drawn into long patronising conversations with people who know nothing of my situation. My experience before xmas tells me they just want to lend me more!!! All I want is to repay what I owe in the only/best way possible - is that so wrong???

Until your DMP is set up you will still get the letters and phone calls. You don't need to reply/answer any of them. They are only computer-generated anyway.

It should all settle down once you have made maybe three monthly DMP payments.

looby75

in_debt_again_and_stupid wrote:

I've got caller id and have been getting frequent 0800 number calls which I believe are from HSBC I just don't answer them - is this okay? I'm in the early stages of DMP (this is the first month I've defaulted) and have sent them good will payments (which have been cashed!!) plus letters to keep them completely informed and my cccs reference. Just can't bare getting drawn into long patronising conversations with people who know nothing of my situation. My experience before xmas tells me they just want to lend me more!!! All I want is to repay what I owe in the only/best way possible - is that so wrong???

when I was getting constant phone calls from halifax cccs told me I was perfectly within my rights to ignore the calls if I wished, as long as you have written to them to explaining what's happening then that's all you need to do. if they really want to get in touch with you they can write.

crystaltipps

Just a thought, but, i know you can legally record conversation as long as you make the other party aware of it...and i get sick of hearing that my calls will be recorded for 'training purposes'. So, how do we go about getting something that can do that, and tell people like the poor OP had to deal with that their calls will be recorded for 'future verification' or something similar. It will either elicit an approproiately respectable response, or you have your evidence for mishandling, rudeness...and in some cases, i am sure, outright deceit! Any thoughts?

shameless-about-money

You can buy something that clips onto your phone that will record telephone conversations.

achtunglady

Can you not record the conversation and after they have been intimidating/condescending/irritating/harrassing, just say, "just to inform you that I record all telephone conversations".

I have a phone converstaion recorder the doubles up as a dictaphone and it takes normal cassette types. I have only had to use it once, and it got me out of alot of bother. Think I paid £20 for mine. It's also handy for other things like proving you rang someone up and spoke to them, when they claim, "sorry theres no record of any conversation" on their side.

shameless-about-money

You are supposed to tell them before the conversation that it may be recorded!

Would stop a lot of the nastiness from creditors!

ZTD

shameless-about-money wrote:

You are supposed to tell them before the conversation that it may be recorded!

Now this is a vague area, that I'm not sure about. They have to tell you, because a right to privacy is one of your legislated human rights, and you have an absolute (outside of a court order) right to privacy in your own home. If they are recording your telephone conversation, then they are recording you in your own home.

They are at work, which is classed as a public place. You have no right of privacy in a public place - none whatsoever.

So - do you actually need to tell them? I don't know.

However there is nothing wrong with added that you record all their calls to the bottom of a "signed-for" letter you've sent to them. Then they can't say you didn't tell them.

ZTD

shameless-about-money wrote:

I put a formal complaint in to OFT re MBNA who passed me to TSO.

I put a formal comlaint in to TSO who passed me to OFT.

Get on to your MP and ask them to submit a written question to the Government as to who is meant to be dealing with this particular breach of the law. Then let us all know.

shameless-about-money

ZTD wrote:

Get on to your MP and ask them to submit a written question to the Government as to who is meant to be dealing with this particular breach of the law. Then let us all know.

That IS a very good idea!

Unfortunately or maybe fortunately, my MP is Tony Blair!!

Do you actually think that he would take any notice/action about MBNA?