Phone Calls From Creditors

dealingwithit_2

Have Been On A Dmp With Cccs Since March 2007, Halifax Had Stopped Interest But Have Started Applying Interest Again For 6 Months Then Will Pass To A Dca. Last Month I Had About Half A Dozen Phone Calls + From Them Chasing The Remainder Of The Minimum Payment, So I Told Them I Am On A Dmp And Do Not Wish To Be Contacted On My Home Number. I Reiterated This In A Letter Sent Yesterday As Have Been Having Calls (about 3 A Day On Both Mobile And Landline Since Saturday). Anyway Just Picked Up A Phone Call From Halifax Who Were Chasing For The Remainder Of Minimum Payment Again! I Pointed Out I Am On A Dmp With Cccs (oh Yes He Said) And Pointed Out I Did Not Want Contact On Landline Number (oh Yes He Said, We Have Phoned In Error), So I Politely Asked For Him To Remove Both Landline And Mobile Numbers From The System, Which He Said He Would Do. Whether He Does It Or Not Remains To Be Seen, Still Gonna Get Choose To Refuse From Bt Just To Save Myself The Stress!

10past6

Hi

Obtain the name & address for the CEO for the company (Google is your friend) then send them this letter, amending it with your own personal detailsm swbd by recorded delivery:

Your Address

DAC / Creditor's Address

Date

Ref A/C xxxxxxxx

On the top of your letter state very clearly in big bold letters “FORMAL COMPLAINT”

Dear Sir / Madam

I refer to the above account, held with yourself's.

I have informed your company on numerous occasions I am experiencing financial difficulties.

I am acting in a responsible manner re my current situation, by seeking the advice from XXXX, I have informed your company of this, which has fallen on deaf ears.

Due to the continued harassment I'm experiencing from your company, I have taken advice from the OFT, I am informed your company is in breach of the following guidelines:

Deceptive and / Or Unfair Methods.

2.8 Examples of unfair practices as follows:

C: Refusing to deal with appointed or authorised appointed third parties, such as, Citizens Advice Bureau, Independent Advice Centres, or Money Advisor's.

Contacting debtors directly and bypassing their appointed representatives.

I have informed your company, that (give the name of the organisation and account number of whose managing your DMP), is my authorised third party appointed representative.

If I do not receive a satisfactory reply to my complaint from your company within 7 working days, from the date of this letter, I reserve the right to refer my complaint to the OFT for adjudication.

Sit back and see what happens