csl debt collectors.....aaargghghghhg - help please?

magoogy

have i put my foot in it by phoning csl? they have been hassling me with phone calls for ages - if this is .......press 1, etc...i have just put the phone down...this morning i received a letter saying they are coming to pay me a visit....i phoned them and told them as they arent bailiffs they need a court order and if they come visit they are trespassing - i know now they know im me - i have spoke to them and shouldnt have...but - have i now put my foot in it?she insisted they are allowed to visit for a chat about my debt and will still be....any advice please?thanks

itsnever2lateisit?

Yes, they can call, BUT if you ask them to leave they must do so. You are under no obligation to engage in conversation whatsoever.

Can you give us more details on this? When was the debt incurred etc, then we can examine the best course of action

magoogy

thanks for your reply...its a catalogue debt that ive taken down the signed credit agreement route - none exists - its been going on over a year now and none has shown up - its been passed back and forwards between debt collectors ever since...i think this is the fourth one....thanks

stapeley

OK so theres no enforceable agreement , I think all you can do is try a complaint to OFT . Have you sent the default letter to them , seems that your details should not have been passed on .

magoogy

thanks for that stape....does that mean if the original company doesnt have the signed credit agreement to give to me they are not allowed to pass this debt to a debt collection agency?thanks