UPDATE : Hounded by TNC by calls. See post #25 page 2

Herzlos

CloudStrife7 wrote: »

Latest letter from TNC is headed up "Notice Of Intention To Instruct Solicitors To Issue Summons"

Am I at the point now where I just have to bite the bullet and pay?

Or is it only Excel who can issue? This is from TNC and it says their client is Excel

All the debt collector (toothless) can do is go back to their client and suggest they take legal action. So they are trying to make it look serious, and are really just saying "Pay up or we'll tell our client you won't pay up". It's worded kind of like official legal papers to worry you. It's no more serious than their "final final absolutely honest this is the last reminder" letters.

The only one you need to worry about is one that comes from a court, or mentions a court claim.

CloudStrife7

bazster wrote: »

Does it really say "summons"? If so you should complain to the BPA Ltd. that its member, Excel, through its debt collectors, is misrepresenting this as a criminal matter.

You could send a similar complaint to Trading Standards.

Yeah it says it exactly as I typed it above

Ryan_Bryan

Cloudstrife. It's all about scaring you into paying. Don't fall for it please. When you realise the scale of the scam you'll be thrilled with the fact you never caved in and you'll want to inform everyone you know about the scam.

CloudStrife7

TNC...the collections agency are now trying to call me all the time. They phoned once and said who they are and I hung up. Yey are now phoning me every day to speak to me.

Am I right in that I can just continue to ignore their calls?

ManxRed

Yes, do not try and have a conversation with them, they will be recording it and they will try and trick you into incriminating yourself in some way.

Why not say "I'll just get him" and leave the phone by a speaker playing Rick Astley's greatest hits or something similar? They'll soon get the message.

CloudStrife7

They just left a voicemail saying " hello, terminating the call will not help. I suggest you take our calls or get back to me by the close of play today" then started reeling off the account number etc

bazster

CloudStrife7 wrote: »

TNC...the collections agency are now trying to call me all the time. They phoned once and said who they are and I hung up. Yey are now phoning me every day to speak to me.

Am I right in that I can just continue to ignore their calls?

Yes of course. If it's your mobile or a modern digital home 'phone look into whether you can block their number.

Or buy one of these: http://www.callsaint.co.uk/

I use one to block international calls and calls from 08 or withheld numbers, which has cut nuisance calls down to almost nothing. You can also block specific numbers or specific dialling codes (even if the debt collector uses multiple 'phone numbers they will all have the same dialling code).

ManxRed

CloudStrife7 wrote: »

They just left a voicemail saying " hello, terminating the call will not help. I suggest you take our calls or get back to me by the close of play today" then started reeling off the account number etc

It won't help them anyway.

That's what they mean. They're trying to make you panic and speak to them and then they can say ANYTHING to get you to incriminate yourself or pay up.

bazster

Inspiration is available here:

https://forums.moneysavingexpert.com/discussion/741653

Warning: you'll spend the rest of the afternoon laughing, so not a good idea if at work!

Particularly inspired was when he told the debt collector that the person he was looking for was at work, and gave him the number of another debt collection agency...

bod1467

bazster wrote: »

Inspiration is available here:

https://forums.moneysavingexpert.com/discussion/741653

Warning: you'll spend the rest of the afternoon laughing, so not a good idea if at work!

Particularly inspired was when he told the debt collector that the person he was looking for was at work, and gave him the number of another debt collection agency...

You beat me to it! :rotfl:

In the end, that OP got a significant payout from the debt collector harassing them.