Moved out of house. Few questions please

girlie_2

I've got another question just to get my head sorted.
When do my secured loans become unsecured. Is it when i hand my keys over to the mortgage company or will i have to wait until my house is sold.

I'm only asking because one of the secured loan companies has started phoning me a few times everyday including on my work phone which is a bit embarrasing and i know that once you've gone bankrupt these annoying phonecalls stop but if these loans stay secured until house is sold then bankruptcy can't touch them until they become unsecured which obviously could mean months of annoying phonecalls - just wondering how long i will have to put up with the calls for?

Hope you understand what i mean - i know i've waffled on a bit!

Girlie

tigerfeet2006

Girlie bare with me and I will find a letter for you.
Dear Sir/Madam

I am writing to express my serious concerns regarding the telephone calls that I have received from your company.

I am now formally requesting that all further correspondence be made in writing only.

I demand that these phone calls stop immediately and you remove any telephone numbers you hold for me off your system.. I am familiar with the terms of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1970 and I believe your harassment places you in breach of these acts.

If you continue to call, you will also be in breach of the Wireless Telegraphy Act (1949) and, as such, I will report you to both Trading Standards and The Office of Fair Trading.

Take further note that continued telephone calls after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003.

You will be deemed to have been served notice of my request and I will deem it served when it is signed for by yourselves, I am advising you that any calls received after this date will be recorded with the intention of them being used as evidence.


Yours faithfully

Send it recorded delivery and log any calls that are recieved and then if they still don't stop report them to Trading Standards and the OFT.