Can somebody help??

samantha2321

I did a dro in 2018. In September I recieved a strange letter from a tracing agency looking to contact me, contained a reference number. I received this at my new address which I had only lived at for a matter of weeks. Didn’t contact them. December I recieved a letter from global debt recovery containing the same reference number. I rang and it was in connection with a debt which was included in a dro and asked to see proof. I have now got the paperwork and will email them it. I spoke with citizens advice last week who had to post me out my dro paperwork. Citizens advice said I also need to put a complaint in their official complaints department, rang global debt recovery on Friday to ask for a contact for them and basically would not give me it. Just kept asking was I happy for him to put on the system the issue was resolved over the phone. I ended up going into a bit personal details over my mental health and the fact that the tracing company contacting me had caused great distress and the fact I had just moved into a property and had to move house because of my poor mental health and issues I won’t go into. I am bipolar, eupd, severe anxiety. I recently had to have a course of cbt to get help to leave my house more as I have ocd tendencies caused by my severe anxiety and it is a coping mechanism. He basically just kept saying they never meant to cause me any distress and I should have just discarded the tracing company letter if I didn’t want to contact them. He just wasn’t getting the fact at how distressing it all was. He wouldn’t give me the contact of an official complaints department. I just don’t know wether I should let it go or push for a complaint to be made. As a dro is legal bound And I should never have been contacted. They say that a company called Jefferson capital approached them to collect the debt for perfect homes. Which is strange as the reference number is on my dro as owing to glocal debt recovery. They must have sold my details on to another company to then sell it back to global debt recovery. I don’t really understand it all. Has Gdpr been breached? As I should never have been contacted about this? Surely my personal details should not have been passed on to any company, or the tracing agency to have passed on my personal details and they’ve breached Gdpr. The admin girl at my work seems to think they have breached Gdpr and I should put in a claim for distress. I’m not sure wether she’s correct as can’t find anything on google about this situation. Or how to go about this I’m scared to contact a solicitor incase I get stung with fees 

MorningcoffeeIV

It seems a simple error.

Let it go and move on. You don't need to be causing yourself additional stress.

elsien

Stop  phoning them. If you want to complain their policy is here.  Contact details towards the bottom. Use email rather than phoning which as you’ve found out leaves you on the back foot.
Use the words formal complaint. 

https://globaldebtrecovery.co.uk/gdr2/complaints-policy/

Or you could just let it go. Up to you. 

If you want compensation for distress, you would need to go to court to prove it if the company did not offer a voluntary payment? Is that something you would be willing and able to do?

https://ico.org.uk/for-the-public/data-protection-and-journalism/taking-your-case-to-court-and-claiming-compensation/

So the process would be formal complaint to global recovery, then a complaint to the information Commissioners office, and potentially court. For something that you’re not sure it is a breach or not.

samantha2321

MorningcoffeeIV said:

It seems a simple error.

Let it go and move on. You don't need to be causing yourself additional stress.

I’m not distressed over it now because it’s resolved but it’s caused massive distress from September until now because I had no idea what the tracing company was searching for me for and I was too scared to contact the number on the letter. It’s strange because my friend emailed them asking what was it about on my behalf and no explanation. 

samantha2321

elsien said:

Stop  phoning them. If you want to complain their policy is here.  Contact details towards the bottom. Use email rather than phoning which as you’ve found out leaves you on the back foot.
Use the words formal complaint. 

https://globaldebtrecovery.co.uk/gdr2/complaints-policy/

Or you could just let it go. Up to you. 

If you want compensation for distress, you would need to go to court to prove it if the company did not offer a voluntary payment? Is that something you would be willing and able to do?

https://ico.org.uk/for-the-public/data-protection-and-journalism/taking-your-case-to-court-and-claiming-compensation/

So the process would be formal complaint to global recovery, then a complaint to the information Commissioners office, and potentially court. For something that you’re not sure it is a breach or not.

I will not be phoning them again. I just wanted the complaints department contact and they wouldn’t give it to me. It was citizens advice who told me to put an official complaint in because it’s a legal procedure they dro and they should never have contacted me about it. They couldn’t give a proper explanation for why I was contacted in my eyes. 

sourcrates

Debts are bought and sold all the time, even debts included in DRO`s/IVA`s etc.

The reason why insolvency debts are sold is because occasionally these process`s fail, and the debt can once again become enforceable, sometimes debts are bought by companies who are unaware of the debts status, until you tell them, they get these accounts for pennies in the pound, so it`s no great loss if they can`t chase them, but can be a good payday when they can.

For whatever reason you were contacted about that particular debt, you had no need to worry, as your DRO successfully completed, you had legal protection.

I would advise you never phone these people, any business to do with debt should be conducted in writing only, I had a similar dispute with a debt collector who bought one of my insolvency debts, they just would not listen either, I had to follow their complaints procedure, and I got £150 for my troubles.

It cost`s you very little to write and send a letter of complaint, I suggest you do so, ask for £250 for your bad experience, don`t let them get away with it.