Some advice please....

fuschia_2

Ok, I'm tackling my debt and its looking good to reach my target...however, this morning I received a postcard from power2contact ltd saying....
“I confirm that I will be calling to discuss the rencent communication from CSL” it said it was going to call Wednesday and the date on the front was the 16th June so I don't know if they meant yesterday or whether they mean this Wednesday.



ANYWAYS...I don't know who CSL are and after doing some research on the company I notice they're related to barclays/barclay card who are my creditors. Now regarding barclaycard I've been trying to contact RMA (I've tried email/post) several times – I won't call them because I don't want to be bullied and also because they expect you to call a 0871 number which costs a bomb on a mobile...



SO, now I'm really worried they're going to doorstep me because I live with my mother whose no idea the mess I'm in and I'd like to keep it that way as I am sorting it out and don't want her to worry. But according to some things i've read they actually do visit you...



can anyone offer any advice?

fuschia_2

just giving this a bump as its quickly dropping off the front page
x

Waspeze

Just a little bump for you again

LilacPixie

A little google confirms my suspicions that Power2contact ltd are just a little jumped up DCA.

I would suggest you contact them in writing with a CCA request and the add on about door step callers. If they do happen to call they have about as much powers as the paperboy so just politly tell them to leave you property as they are tresspassing.

LilacPixie

Here is a draft letter that may help you. Think this one may be a fermi special.


Dear Sir/Madam

Ref: xxxxxxxxxxx

You have contacted us regarding the account with the above reference number, which you claim is owed by ourselves.

We would point out that we have no knowledge of any such debt being owed to The Loan Company.

We are familiar with the ‘Office of Fair Trading Debt Collection Guidance’ which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

We would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

We would ask that no further contact be made concerning the above accounts unless you can provide evidence as to our liability for the debt in question.

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

We await your written confirmation that this matter is now closed. Otherwise we will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

Yours faithfully

fuschia_2

Fabulous thanks guys I'll print off this letter and bung it in the post today.

fuschia_2

Just another question...they've got an email on their website do you think it'd be worth emailing them this and saying a written letter is in the post or just posting?

stilletto

Hi fuschia,

I'm fairly new to this, but I'd suggest using recorded delivery post, so they cant claim they never received the letter. And i've seen a lot of people say never to put your signature on a letter to a collection agency, always just to print your name instead (apparently some agencies have been known to copy your sig!!). Hope that helps, and good luck