Why do CCs insist on communicating by phone not letter?

Pursuit_of_Happiness

I am currently in discussions with several credit cards regarding arrears and everytime I send a letter they refuse to answer by mail and insist I call them. Why do they do this and are they allowed to do this? Is it approved of by trading standards and the FSA?

RAS

They insist because it gives them more opportunties to bully you. You are entitled to insist that they write to you.

letter coming up.

RAS

Date

Your name
Your address

Dear Sir/Madam,

Re: Account Number

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

I demand that these phone calls stop immediately. 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 by FULL DATE, I am advising you that any calls received after this date will be recorded with the intention of them being used as evidence.

Furthermore, I am aware of the OFT Guidelines and my legal rights regarding door step debt collection.

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


Your name.

davek1

tell them to get lost and that you only deal with these things in writing for the protection of all concerned. I fully agree with RAS as to why they do this.

fermi

Yep. Doing things by phone allows them to make threats, lie, bully, and anything else that they wouldn't dare put into writing.

Paul_Herring

RAS - that letter seems to be the one for when companies harass by continually calling up - the OP seems to indicate that the problem is that they're just refusing to answer letters and requiring the OP to call them.

Pursuit_of_Happiness

Paul_Herring wrote: »

RAS - that letter seems to be the one for when companies harass by continually calling up - the OP seems to indicate that the problem is that they're just refusing to answer letters and requiring the OP to call them.

You won't be too surprised to hear, I have both problems, the failure to respond being potentially the more serious.

AGB863

Please be aware

With the issue with phone calls, harrasment and how to be contacted by someone chasing debts - as per the Guidelines for Debt collection as set down by the Office of Fair Trading, only come in to play if a default notice has been issued for the debt concerned.

So if a default notice has been issued - you are within your rights to request that they only contact you by letter and to stop making contact by phone.