Credit Solutions Ltd

AGB863

Since my earlier posting about CSL, I have since found out this information about being repeatidly contacted by creditors at unreasonable times / frequency.

Any debt collection company has to have a licence to trade which is issued by the Office of Fair Trading (OFT) and there are guidelines that they have to adhere to, otherwise, they can have their licence revoked.

These guidelines are the "Debt Collection Guidance" and they were published in 2003 and if you quote the paragraph 2.6 (a) of the Debt Collection Guidance to the collector, they are supposed to respond accordingly.

I have printed out the entire section as there are other things that people may get problems with.

It falls under the section "Unfair Business Practice" with a sub heading of "Physical/psychological harassment"

2.6 Examples of unfair practices are as follows:
a. contacting debtors at unreasonable times and at unreasonable intervals

b. pressurising debtors to sell property, to raise funds by further borrowing or to extend their borrowing

c. using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties

d. not ensuring that an adequate history of the debt is passed on as appropriate resulting in repetitive and/or frequent contact by different parties

e. not informing the debtor when their case has been passed on to a different debt collector

f. pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so

g. making threatening statements or gestures or taking actions which suggest harm to debtors

h. ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

i. disclosing or threatening to disclose debt details to third parties unless legally entitled to do so

j. acting in a way likely to be publicly embarrassing to the debtor either deliberately or through lack of care, e.g. by not putting correspondence in a sealed envelope and putting it through a letterbox, thereby running the risk that it could be read by third parties.

If you want to read the whole article go to this link


https://www.oft.gov.uk/NR/rdonlyres/50F06527-9FC5-4610-B385-999D6E2A8950/0/oft664.pdf

Hubb1972

Thanks for all your help everybody, I can't wait to quote your findings at them if and when they call again, but then I also want to leave the phone off the hook as well. I almost want them to call.......4 days and still no call.

Just had my first statement from CCCS so I am fully armed with all the facts now.
I just hope Egg don't refer my debt to them like some poor other person on another thread