CSL....is scum too strong a word

jt2k6

Hiya,

My egg CC debt has been sold on to this bunch of clowns... (my DMP managed by Sterling Green were meant to be sending £16 a month to Egg but doesn't look like they have been...... they also are clowns but more of that in another post)

I recieved an e-mail from them asking me to phone them quoting my ref. No. which I did. I explained that payments were(maybe) being made to Egg by SG and I would contact SG to let them know of the change and to make arangements to pay CSL as soon as i could,

the VERY rude woman from CSL wasn't particularly interested and just kept reminding me that I would default in 7 days unless i paid the full amount within 48hrs (?)

I without a hint of sarcasam thanked her for her help, said goodbye and hung up. since then my and the wife are recieving 2-3 calls a day and msg's are being left by an automated voice asking me to contact them with my ref.

I have ignored all and am ready to send them a stern letter asking for all future comunications by post... but today the really pushed the limit and I think/hope i have ground for legal action or at least them getting a severe telling off from the FSA.

They contacted (or tried to) by ringing a number I registered when I applied for my EGG card. this number was a work number but belonged to a department I no longer work in. one of my collegues answered the call and when they asked for me he said i wasn't in the office, thinking it was a work call he asked if he could take details and arrange for me to call them back.
they then proceded to tell him they were a debt collection agency working on behalf of EGG regarding a CC debt, CSL then gave my collegue (who luckily is a close trusted friend) my reference number.... he could however have been anyone, maybe even my boss, which would of have severe reprecussions with regards my employment..

surely they cannot do this?

any help would be gratefully recieved cos I am fuming. :mad:


thanks

crawley_girl

ooooooooooooh not good!

Not sure of what to advise but it's not good that they will pass on such info about you. Surely it's a breech of the Data Protection Act???

LookingAhead

OMG!!!!! That's terrible!

I would say surely they cannot do that.

Get in contact with the FSA or whoever it is you need to get in contact with to start proceedings for this.

Ther must be something you can google to find out..?

catewithers

I'd have thought that it's a breach of the DPA, surely?!!! They can't go passing on that kind of info to anyone?!! And surely they shouldn't even be saying who they are and what it's to do with?!!

Grrrrrrrrr :mad: :mad: :mad:

jt2k6

Thanks for your advice last night,

I have drafted a letter to them to explain my worries I'd like you guys to have a quick look (the stuff in red brackets are just notes for you lovely people)

"I would like to make you aware of several points that have occurred during your dealings with me;

(Section A) (just a delay technique, while the account is in dispute they cannot take me to court...i think

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose £1 payment of the statutory fee, (will a £ coin on card do or does it have to be a PO?)

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

(Section (to stop the calls)
I would also like it brought to your attention that continued communication by telephone will not be entertained, I have already asked this of your advisor with no success, so please take this as written notification of my wishes to have my number removed from your records and all future correspondence to be done by letter, failure to follow these instructions will result in communications between myself and the Office of Fair Trading to stop this continued “harassment” by phone.

(Section C) The call to my collegue that I explained in the previous posts
And finally I would also like it noted that I am in discussions with regards my position following a breach of the Data Protection Act by yourselves, where on 15th may 2007 at around 11am you discussed matters of my dealings with yourself with a 3rd party who is not privy to these facts. This call answered by a colleague of mine has served to greatly embarrass me and may also effect my position within my company with regards future promotions and pay increases. Without any permission from me you informed my colleague who you were, and disclosed my personal reference number. As I mentioned previously I am taking advice with regards my position and will be in touch in due course to discuss this matter further.

As you are aware I require a response to section A of my letter within 12 days, this is a legal requirement, I would also appreciate a reply with regards section B & C to the same time scale, before I take further actions"

(not just an empty threat I am willing to do this, not only for myself but everyone else who has or is being s***ed by them which seems a lot after a quic search for CSL

any comments?

Thanks as always

immoral_angeluk

Looks good to me. Would it also be worth putting in that continued harassment at work would lead to your dismissal and that they wouldn't get any money full stop (or words to that effect) Obviously no necessarily true but will put the emphasis on them stopping.

AGB863

There are several sections of the Debt Collection Guidence as set down by the Office of Fair Trading that CSL have failed to adhere to

2 UNFAIR BUSINESS PRACTICES
Communication
2.1 It is unfair to communicate, in whatever form, with consumers in an unclear,
inaccurate or misleading manner.
2.2 Examples of unfair practices are as follows:

f. contacting debtors at unreasonable times

g. ignoring or disregarding debtors' legitimate wishes in respect
of when and where to contact them, for example, shift workers who
ask not to be telephoned during certain times of the day

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:

a. contacting debtors at unreasonable times and at unreasonable intervals

j. acting in a way likely to be publicly embarrassing to the debtor either
deliberately or through lack of care, for example, by not putting
correspondence in a sealed envelope and putting it through a letterbox,
thereby running the risk that it could be read by third parties.

Deceptive and/or unfair methods
2.7 Dealings with debtors are not to be deceitful and/or unfair.
2.8 Examples of unfair practices are as follows:

b. disclosing debt details to an individual when it is uncertain that they are
the debtor in question, for example, disclosing details to 'the occupier' of
an address.

if you want to read the whole document look here

debt collection guidnece

I have several dealings with CSL who did the same to a number of my clients and you have to be firm with them to get them to act correctly.

Rob_K

a small point, but "greatly embarrass me and may also effect my position within my company" - the correct spelling is "affect"

jt2k6

Thaks Rob, noted, it's them I want tolook like fools, not me LOL,

Thanks also angel for your advice, I'll add something like that to the letter,

and ABG some nice quotes for that next call

A pint for you all! :beer:

moonlightpjs

Sorry to but in but you need to put in your letter that its 12 working days that they have to respond to your CCA request - so 12 working days plus 2 for weekends/posting time.

jt2k6

weller711 wrote: »

Sorry to but in but you need to put in your letter that its 12 working days that they have to respond to your CCA request - so 12 working days plus 2 for weekends/posting time.

Thanks for the input, will ammend the letter, going to post it today before I chicken out, just one more question will a pound coin taped to a piece of card be OK for payment or does it need to be a PO?

Thanks