Hcollect Help

jonas81

Hi,
I'm wondering if anyone can help. We were recently contacted by Hcollect about a debt they are acting on by an acquisitions company we knew nothing about, I wrote them the template letter that's out there saying we do not acknowledge the debt and know nothing of it, and asked for what proof they had that this was our debt. the next communication I had of them was that they ignored the fact that i said the debt wasn't ours and they offered a 25% reduction if we settled now. My understanding is, it is against the rules to ignore the alleged debtor if they say the debt is not there's? should I contact the company that instructed Hcollect to complain, they then have to inform the FCA of my complaint within 3 days is that correct? any help as to my next course of action would be greatly appreciated.

sourcrates

No, I don`t know where you have read that, the FCA  (Financial Conduct Authority) does not handle individual complaints, that`s the job of the FOS (Financial Ombudsman Service).
However, you can only get them involved once you have exhausted the companies complaints procedure.

But you are a long way away from that point yet, the second letter will be computer generated, you should send a reminder to your PROVIT letter, its in the stickies, underneath the PROVIT letter.

There are no rules, just guidelines they are expected to follow.

jonas81

Sorry I’m new to this what is the stickies?

RAS

Treads pinned to the top of the forum

Debt-Free Wannabe Sticky - Provit & Statute Barred Letters, Defaults, Help and Guidance, All Here... — MoneySavingExpert Forum