Credit Resource Solutions Ltd- telephone harassment advice

cherrypie556

This co has been ringing roughly 2-3 times a day for about a fortnight. Only one of them calls actually had a human at the other end, all the others were an automated service. They use two diff nos (i have caller i.d. and have saved one in my phone under 'do not answer this call')

They are after my husband and i do not believe that they have our home address and I do not want to give it to them. My husband rang them yesterday and they wanted to confirm his identity by him telling them his home address, to which he told them he wouldn't as he didn't know who they were and could be anyone inc an identity scammer! that they tell him what address they have and he will say if it correct or not. She couldn't do this and because he wouldn't provide this she couldn;t state what the call was about so he told her to write to us only and if they cannot then tough basically as we wouldn't be ringing them again.

I have written a telephone harassment letter to them last week yet they still hound me. We have a DMP which we have had for over three years and every debt is inc in it.

what do we do now as the constant ringing is driving me nutts as sometimes it at about 7pm when my twins are in bed- resulting in waking them up! :mad:

ceecee31

Turn your ringer off between 6:30 pm and 9:00 pm, making sure your friends and family know they can't ring your landline between these times.

FireWyrm

Letter to the FSO siting harassment and copy to their head office address. Make it VERY clear that if they do not stop, the next letter will contain a court summons for criminal harassment and that you will ONLY respond in writing. Change your number or get one of those telephone monitors that bounces any call not on a white list (http://www.amazon.co.uk/TrueCall-The-Nuisance-Call-Blocker/dp/B002GP7HQM/ref=sr_1_2?ie=UTF8&qid=1382021463&sr=8-2&keywords=phone+call+blocker)

cherrypie556

Whats the FSO? They've rang three times since I posted this! Ignored the calls

fermi

I think they mean the FOS? http://www.financial-ombudsman.org.uk/

cherrypie556

Great fermi, Thankyou.

cherrypie556

Are they the right people to ring? Website gives the impression it's for people with complaints regarding comps and money not harassment?

fermi

Depends. You can complain to the OFT and FOS regarding some aspect of debt collection practice. The FOS is the one however that if withing their remit can require the company to take certain actions or make redress.

See ---> http://www.financial-ombudsman.org.uk/publications/technical_notes/debtcollecting-note.html

Powered_By_Pies

Depends. I'd say the OFT would possibly take more note about it.

Here's a copy of their guidelines set out for DCA's:

http://www.oft.gov.uk/shared_oft/consultations/OFT664Rev_Debt_collection_g1.pdf

Section 3 - page 16 onwards - should help. Bear in mind that these aren't official laws, only guidelines set by the OFT and so they don't have 100% legal guarantee that they'd stop any harassing calls full stop. But reminding the company in question that the consistent phone calls can be considered a form of harassment according to the guidelines set by the OFT, and that you're writing to the OFT to make them aware of the regularity of the calls, may at least reduce the number of times they call you.

fermi

Yes, but the OFT on the other hand won't take any sort of intervention on your behalf to get things sorted. Often the FOS won't either, but they do sometime take regard to OFT guidelines in their decision and act on them.

Personally I think I would report and complain to both, CCing in the DCA so they know you are doing it. Should not be much extra effort, but might have the most chance of getting the DCA to behave quicker, which is I presume the OP's main short term concern.

Powered_By_Pies

fermi wrote: »

Yes, but the OFT on the other hand won't take any sort of intervention on your behalf to get things sorted. Often the FOS won't either, but they do sometime take regard to OFT guidelines in their decision and act on them.

I wasn't aware FOS would use OFT's guidelines to their advantage, so that's handy to know. I stand - well, sit - corrected!