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  • FIRST POST
    • Avocette
    • By Avocette 10th Nov 18, 6:47 AM
    • 10Posts
    • 1Thanks
    Avocette
    Harassment by debt collection agency
    • #1
    • 10th Nov 18, 6:47 AM
    Harassment by debt collection agency 10th Nov 18 at 6:47 AM
    Hi, I would really appreciate your thoughts!

    To cut a long story short, I was unfortunate enough to employ cowboy roofers for a fairly minor job last month. They bodged the job completely and tried to charge me £720 for less than 90 minutes' work. When I queried this the next day, they turned up on my doorstep, threatened to burn my house down unless I paid them on the spot and began dismantling the work. Terrified, I dialled 999 and the police duly arrived and forced the roofers to leave. The following day, in response to a bullying email, I told them I would not tolerate criminal threats, but if they returned and completed the promised work to a satisfactory standard I would pay them, once I had had the work checked. That was two weeks ago, and I heard nothing from them until two days ago, when I received a letter from a ‘debt recovery agency' who appear to be cowboys themselves - they're not registered with the FCA or any trade organisation that I can see, and their letter didn't even include a correspondence address. I rang this outfit and explained the situation verbally and by email, but have since received a string of emails from them claiming the original £720, plus a further £170, for themselves, was owed by me by yesterday and they will now take court action.

    Clearly they wouldn't have a leg to stand on in court. I have two independent statements, plus photos, from other building firms, describing the bodged work. The police will verify the threats, and I have the email proving the firm were given the chance to remedy the problems. The police have also logged this further harassment by the recoveries agency. But surely they are acting illegally by continuing to harass me for a debt I clearly dispute? Is there anyone I can report them to?

    I'd really appreciate any further advice on how to proceed - thanks in advance!
    Last edited by Avocette; 10-11-2018 at 9:11 AM. Reason: Spelling error
Page 1
    • Cetshwayo
    • By Cetshwayo 10th Nov 18, 8:18 AM
    • 24 Posts
    • 55 Thanks
    Cetshwayo
    • #2
    • 10th Nov 18, 8:18 AM
    • #2
    • 10th Nov 18, 8:18 AM
    Stop communicating with them and get some CCTV. This could get quite nasty.
    • Avocette
    • By Avocette 10th Nov 18, 8:42 AM
    • 10 Posts
    • 1 Thanks
    Avocette
    • #3
    • 10th Nov 18, 8:42 AM
    • #3
    • 10th Nov 18, 8:42 AM
    The police have told me to dial 999 if anyone appears on my doorstep again, and I obviously plan to do so. My understanding is that there's no regulator for debt collection agencies in these circumstances - but surely there must be someone I can report them to?
    • pinkshoes
    • By pinkshoes 10th Nov 18, 9:25 AM
    • 16,074 Posts
    • 22,099 Thanks
    pinkshoes
    • #4
    • 10th Nov 18, 9:25 AM
    • #4
    • 10th Nov 18, 9:25 AM
    Ok, so you agreed to £720 for the job which they didn't do properly.

    You have then given them the opportunity to complete the work and receive full payment which they refused.

    Get 2 quotes to complete the work then get the work done.

    If the quote comes to less than £720, then pay the first company the remainder. If it is more, then counter sue in court for the additional amount.
    Should've = Should HAVE (not 'of')
    Would've = Would HAVE (not 'of')

    No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)
    • Avocette
    • By Avocette 10th Nov 18, 12:24 PM
    • 10 Posts
    • 1 Thanks
    Avocette
    • #5
    • 10th Nov 18, 12:24 PM
    • #5
    • 10th Nov 18, 12:24 PM
    Thanks, Pinkshoes, but I've no intention of paying rogue traders who've left my roof in a worse state than it was before they arrived and threatened to burn my house down. I've already engaged another firm to sort the mess out.

    What I want to be able to do is report the cowboy debt collectors acting on their behalf.
    • pinkshoes
    • By pinkshoes 10th Nov 18, 1:23 PM
    • 16,074 Posts
    • 22,099 Thanks
    pinkshoes
    • #6
    • 10th Nov 18, 1:23 PM
    • #6
    • 10th Nov 18, 1:23 PM
    Thanks, Pinkshoes, but I've no intention of paying rogue traders who've left my roof in a worse state than it was before they arrived and threatened to burn my house down. I've already engaged another firm to sort the mess out.
    Originally posted by Avocette
    Then they are quite entitled to take you to court. They may not have done the job properly but they did do SOME work and no doubt used some materials.

    Hence my suggestion to get a quote or two to get the work completed. If they left it in a worse state, then counter claim for the extra.

    The threats are a separate police matter.


    What I want to be able to do is report the cowboy debt collectors acting on their behalf.
    Originally posted by Avocette
    Just ignore them.
    Should've = Should HAVE (not 'of')
    Would've = Would HAVE (not 'of')

    No, I am not perfect, but yes I do judge people on their use of basic English language. If you didn't know the above, then learn it! (If English is your second language, then you are forgiven!)
    • Avocette
    • By Avocette 10th Nov 18, 9:50 PM
    • 10 Posts
    • 1 Thanks
    Avocette
    • #7
    • 10th Nov 18, 9:50 PM
    • #7
    • 10th Nov 18, 9:50 PM
    As I explained, I gave them ample opportunity to complete (or even discuss) the ‘work’ in question, and they never replied; they hired a rogue debt collector instead - after threatening to set fire to my house. It's rather odd to suggest they're entitled to anything at this stage. �� No disrespect, but I think that's rather bad advice. Nor would I dream of going through the hassle and expense of counter-claiming - I'm an honest consumer who's been ripped off, and I shouldn't have to.
    Last edited by Avocette; 10-11-2018 at 10:06 PM.
    • powerful_Rogue
    • By powerful_Rogue 10th Nov 18, 9:59 PM
    • 3,562 Posts
    • 5,292 Thanks
    powerful_Rogue
    • #8
    • 10th Nov 18, 9:59 PM
    • #8
    • 10th Nov 18, 9:59 PM
    As I explained, I gave them ample opportunity to complete (or even discuss) the ‘work’ in question, and they never replied; they hired a rogue debt collector instead - after threatening to set fire to my house. It's rsther odd to suggest they're entitled to anything at this stage. �� No disrespect, but I think that's rather bad advice. Nor would I dream of going through the hassle and expense of counter-claiming - I'm an honest consumer who's been ripped off, and I shouldn't have to.
    Originally posted by Avocette

    You asked for advice.
    You was given correct advice.
    You don't like that advice.


    What do you actually want someone to type to save everyone else the hassle?
    • Avocette
    • By Avocette 10th Nov 18, 10:04 PM
    • 10 Posts
    • 1 Thanks
    Avocette
    • #9
    • 10th Nov 18, 10:04 PM
    • #9
    • 10th Nov 18, 10:04 PM
    I asked for advice on where to report a rogue debt collector, if you read my original post properly. If you're not able to advise I'm wondering why you'd bother to wade in?
    • NeilCr
    • By NeilCr 10th Nov 18, 10:06 PM
    • 2,398 Posts
    • 3,349 Thanks
    NeilCr
    Does this help?

    https://www.citizensadvice.org.uk/debt-and-money/action-your-creditor-can-take/harassment-by-creditors/
    • powerful_Rogue
    • By powerful_Rogue 10th Nov 18, 10:12 PM
    • 3,562 Posts
    • 5,292 Thanks
    powerful_Rogue
    I asked for advice on where to report a rogue debt collector, if you read my original post properly. If you're not able to advise I'm wondering why you'd bother to wade in?
    Originally posted by Avocette

    Wow.
    Yes you did ask that, however you also said "I'd really appreciate any further advice on how to proceed".

    Why didn't you just let them dismantle their work and take their materials away?

    Your comment "Clearly they wouldn't have a leg to stand on in court." is totally incorrect. Follow the advice by pinkshoes or this could work out quite costly for you.
    • Avocette
    • By Avocette 10th Nov 18, 10:14 PM
    • 10 Posts
    • 1 Thanks
    Avocette
    It does, Neil, thank you very much. Although I understand recovery agencies aren't obliged to register with the FCA if they chase debts for small businesses, and therefore aren't actually regulated by any particular body. They appear to be outside the remit of the Financial Services Ombudsman, too, which is why I'm scratching my head overwho to complain to. But thanks sgain!
    • Avocette
    • By Avocette 10th Nov 18, 10:19 PM
    • 10 Posts
    • 1 Thanks
    Avocette
    Wow.
    Yes you did ask that, however you also said "I'd really appreciate any further advice on how to proceed".

    Why didn't you just let them dismantle their work and take their materials away?

    Your comment "Clearly they wouldn't have a leg to stand on in court." is totally incorrect. Follow the advice by pinkshoes or this could work out quite costly for you.
    Originally posted by powerful_Rogue
    Er, because they were threatening to set fire to my house and I needed to dial 999? And since when was it ever appropriate for a firm to 'dismantle their work and take their materials away’ before they'd even issued an invoice?

    They would, indeed, be laughed out of court.

    Any relevant advice on reporting rogue debt collectors?
    • powerful_Rogue
    • By powerful_Rogue 10th Nov 18, 10:28 PM
    • 3,562 Posts
    • 5,292 Thanks
    powerful_Rogue
    Er, because they were threatening to set fire to my house and I needed to dial 999? And since when was it ever appropriate for a firm to 'dismantle their work and take their materials away’ before they'd even issued an invoice?

    They would, indeed, be laughed out of court.

    Any relevant advice on reporting rogue debt collectors?
    Originally posted by Avocette
    See post #10 - You've already been given the link.

    Of course its appropiate - https://www.youtube.com/watch?v=jqJo90K-ZfA

    You seem to think you know what you're doing, even though it is wrong. Good luck.
    • NotRichAtAll
    • By NotRichAtAll 10th Nov 18, 10:44 PM
    • 775 Posts
    • 666 Thanks
    NotRichAtAll
    Might be worth investing in a fire extinguisher just in case
    • Avocette
    • By Avocette 10th Nov 18, 10:58 PM
    • 10 Posts
    • 1 Thanks
    Avocette
    See post #10 - You've already been given the link.

    Of course its appropiate
    You seem to think you know what you're doing, even though it is wrong. Good luck.
    Originally posted by powerful_Rogue
    Of course it wasn't 'appropriate’. I hadn't refused to pay them or even mentioned money. No reputable business would EVER behave in that manner. You must have had some really terrible experiences if you think that's acceptable - I'm sorry.
    • powerful_Rogue
    • By powerful_Rogue 10th Nov 18, 10:59 PM
    • 3,562 Posts
    • 5,292 Thanks
    powerful_Rogue
    Of course it wasn't 'appropriate’. I hadn't refused to pay them or even mentioned money. No reputable business would EVER behave in that manner. You must have had some really terrible experiences if you think that's acceptable - I'm sorry.
    Originally posted by Avocette

    If money wasn't mentioned then how do you know they tried to charge you £720?
    Nope, never had a terrible experience
    • camelot1971
    • By camelot1971 11th Nov 18, 5:07 PM
    • 913 Posts
    • 1,407 Thanks
    camelot1971
    Sounds like the roofers aren't the cowboys here....
    • hollydays
    • By hollydays 11th Nov 18, 5:09 PM
    • 16,516 Posts
    • 12,647 Thanks
    hollydays
    Obviously, report the threats to the police.
    • ess0two
    • By ess0two 11th Nov 18, 5:43 PM
    • 2,967 Posts
    • 3,861 Thanks
    ess0two
    Cue the OP posting, my windows have been put thru.
    Official MR B fan club,dont go............................
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