livid!

pendragon_arther

You have my sympathy but why dredge up a 3 month old dead thread and why not begin your own?

JReacher1

If she had paid it then it would have stopped the calls instantly. They have an automated dialler that will continue to route calls to the debtor until the debt is cleared or the call is marked as resolved.

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Azari

JReacher1 wrote: »

If she had paid it then it would have stopped the calls instantly. They have an automated dialler that will continue to route calls to the debtor until the debt is cleared or the call is marked as resolved.

It would have stopped the calls 'instantly' in the sense that 'instant' means when they had (a) received payment, and (b) that payment had been entered into the system and reached the subsystem that deals with overdue payments.

If the poster in question did not have internet banking (and, bearing in mind they say they are disabled and take longer to do things than average), it would have involved either posting a payment with the subsequent delay, or a trip to the bank.

Neither of these seem a very viable option when you are desperately waiting for a phone call, and neither would have stopped the calls in the time-frame in question.

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pleasedelete

Well to be fair the OP had time (and wasn't too upset about their relative) to post about it on here whilst waiting for the call but not to pay the bill. Can you pay Cap 1 online? I don"t know

I dont think If I was waiting for a call about a relative posting on MSE would have been my number 1 priority.

The OP told us they were disabled. It shouldn't be relevant but they raised it and so they implied it was a relevant factor.

The payment was late. The call centre person was doing their job. Being Indian isnt' relevant (again). If you want a company with a UK call centre then chose one when you take out a credit card. Abusing someone doing their job is not acceptable.

photome

pleasedelete wrote: »

Well to be fair the OP had time (and wasn't too upset about their relative) to post about it on here whilst waiting for the call but not to pay the bill. Can you pay Cap 1 online? I don"t know

I dont think If I was waiting for a call about a relative posting on MSE would have been my number 1 priority.

The OP told us they were disabled. It shouldn't be relevant but they raised it and so they implied it was a relevant factor.

The payment was late. The call centre person was doing their job. Being Indian isnt' relevant (again). If you want a company with a UK call centre then chose one when you take out a credit card. Abusing someone doing their job is not acceptable.

What should the OP be doing while waiting for news...spending time on this forum wouldn't stop them taking a phone call. The OP could just pay the amount owed though

Azari

pleasedelete wrote: »

Well to be fair the OP had time (and wasn't too upset about their relative) to post about it on here whilst waiting for the call but not to pay the bill. Can you pay Cap 1 online? I don"t know

Maybe the poster didn't know, either. Maybe they weren't set up for that sort of payment. Maybe they had some financial difficulty.

I dont think If I was waiting for a call about a relative posting on MSE would have been my number 1 priority.

If you are in that situation your choice of tasks is not generally based on reason. You spend most of your time worrying and a bit doing anything to distract yourself.

The OP told us they were disabled. It shouldn't be relevant but they raised it and so they implied it was a relevant factor.

As she said, it takes her a little longer to do things. She's probably not able to sprint off down to the bank.

The payment was late. The call centre person was doing their job. ... Abusing someone doing their job is not acceptable.

If you take a job were you are expected to harass people you have to take the rough with the smooth.

A call every couple of days is acceptable, several calls in the course of a few hours isn't. It's not illegal, but then again, neither is giving someone indulging in such behaviour an earful.

Azari

photome wrote: »

The OP could just pay the amount owed though

Why does everyone assume that everyone else is set up for making instant payments?

Why do they also assume that banks are so efficient they would call off their attack dogs the instant they thought they'd got payment?

JReacher1

Azari wrote: »

Why do they also assume that banks are so efficient they would call off their attack dogs the instant they thought they'd got payment?

Because the calls are triggered by an IT system that only puts the calls through when a debt is outstanding. Once a debt has been paid no more calls will be routed to the debtor.

I think you are under the mistaken assumption that the calls are triggered by people in an office who manually dial numbers of people who owe money.

If this IT system was not instantaneous then every person who owed money would still receive numerous calls the hours after after they had made a payment. That doesn't happen.

Azari

JReacher1 wrote: »

Because the calls are triggered by an IT system that only puts the calls through when a debt is outstanding. Once a debt has been paid no more calls will be routed to the debtor.

I think you are under the mistaken assumption that the calls are triggered by people in an office who manually dial numbers of people who owe money.

If this IT system was not instantaneous then every person who owed money would still receive numerous calls the hours after after they had made a payment. That doesn't happen.

I'm afraid you are taking too simplistic a view.

In the first place, I can guarantee 100% that if you make a payment at a bank it will not affect the chase up system anywhere near instantly.

If you make a payment via your Internet bank transfer system it will follow an entirely different path to making a payment via the CC company's site.

My point was that - particularly if you are under extreme stress from other causes - you can in no way be certain that a payment will be immediately reflected.

I will grant that if a payment is made and handled by the chase up team, it will be flagged immediately. Otherwise it depends on many factors.

There are various subsystems involved.

JReacher1

Azari wrote: »

I'm afraid you are taking too simplistic a view.

In the first place, I can guarantee 100% that if you make a payment at a bank it will not affect the chase up system anywhere near instantly.

If you make a payment via your Internet bank transfer system it will follow an entirely different path to making a payment via the CC company's site.

My point was that - particularly if you are under extreme stress from other causes - you can in no way be certain that a payment will be immediately reflected.

I will grant that if a payment is made and handled by the chase up team, it will be flagged immediately. Otherwise it depends on many factors.

There are various subsystems involved.

I'm always wary of a poster who instead of providing a factual argument goes with "100% guarantee". It means nothing.

If when phoned by an operator you pay the debt over the phone to that person you will not receive another phone call. If the payment is bounced you would receive another call 3-5 days later.

If an operator phones you up and you say you've paid online or by cheque the operator will update the IT system to say that payment has been submitted. You will then not receive another call for a few days.

The only way you will receive numerous calls is if you don't make a payment or don't say you have submitted a payment. In this scenario the account is still marked in arrears and you will carry on receiving phone calls.

At the end of the day the posters who said if the poster had paid the £29 when asked the calls would have stopped are right.