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Thread: How to stop Debt Collection Phone Calls

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  1. #1
    Paule's Avatar

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    Default How to stop Debt Collection Phone Calls

    Taken from http://www.debtquestions.co.uk/debt_...pic.php?t=4556

    1. Telephone BT on 150 and tell them you wish to change your number to a new Ex-directory number because you are receiving unwanted calls. They will change your number for free once under their terms and conditions. Tell them to make the number Ex-directory and "PERMANENTLY WITHHELD" Caller ID .

    2. When you get the new number GIVE IT TO NOBODY except family/mates that you can trust and you want to call you.

    3. DO NOT give the new number out to "Consumer Surveys" - "Competitions" - even to the Lottery / Tescos Clubcard or the BBC / TV Licencing. They all pass it back to experian and co. When you are in a shop and they ask for your phone number for a Warranty say "It's Ex-Directory" - they don't need to know it. If the product breaks down then you will phone them! You have the receipt!

    4. DO NOT give your new number to neighbours. They will be the MOST likely candidates to be CONNED by DCA's into releasing your number to them.

    5. If you feel the need to give a phone number on a website then give a PAYG mobile or the OLD number you had - this will be idle for a year anyway.

    6. Register the new number straight away with TPS.

    Keep your private information to yourself. Ask yourself "Why do they need to know that?" if you are in a shop and not trying to obtain credit. They have NO RIGHT to your private info.

    Take control of your privacy. DCA's have no right to harrass. They can write and you can write back. Simple.

  2. #2
    langa's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    PKea..Great advice..Thanks

  3. #3
    diskmandave's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Great advise prom PKea as we've come to expect! :legalbeagles: :beagle:

    Here's some letters I knocked up a while back on the telephone harassment subject...







    The company in question stopped calling the day after they got them! msl:

    Regards, Dave.

  4. #4
    WendyB's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    I send a letter, with the following added in for good measure. it's worked every time.

    I DO NOT give you permission to contact me by telephone, and request that my telephone number is removed from your records immediately.

    I would also like to make you aware of The Office of Fair Trading Code of Guidance in which it states: putting pressure on debtors or third parties is considered to be oppressive. This includes: Ignoring disputes about whether money is owed and refusing to freeze action if the debt is in dispute. I have included copies of the Guidance for your information, with the relevant items highlighted for ease of reference.


  5. #5
    Froggy's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Make sure that a log is kept of all calls as well. If you do send a letter and it is not actioned upon then you will need copies of any correspondence with the said company, the log of numbers, name of company and time. You will need this if you wish to complain about it to the Financial Ombudsman Service.

  6. #6
    Hazel's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    I have no debts, but have been receiving calls from HBOS, (Albion Collections, Blair, Oliver and Scott) about a debt of, I presume, someone with the same name. I have contacted OFCOM, OFT, TPS, ICO. None of these organisations was able to help me. As I am not a customer, The Financial Ombudsman's office thought they couldn't help me. I insructed a solicitor to write to HBOS and received an assurance form them that they would remove my number from their system. Now I am receiving calls form "Preston". No company name given. Does anyone recognise 0845 146 0185? How do I stop these calls?

  7. #7
    calamity jane's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Welcome to Legal Beagles Hazel.

    I've checked the telephone Number and it belongs to IQOR who collect for Halifax.

    It looks as if having removed your number from their system they've now passed it on to IQOR to collect.

    Adapt the Telephone Harrassment letter (link below) to include that you do not acknowledge any debt and send it to IQOR at the following address:


    33-34 Winckley Square,
    Preston,
    Lancashire.
    PR1 3JJ.


    Telephone Harrassment Letter

    Any other calls from unknown numbers can be checked by using the following website.

    Who calls me


    CJ

  8. #8
    strangewayofsavin's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    The best way to deal with DCA is, when they ask you for your details subject to the Data protection act, tell them you are not prpared to give your details to a stranger that askes for them, if you do, tell them you are not on the phone and put it down.
    If they phone again, say yes I will get the person they asked for, put the phone on the side and continue to watch telly for 3 hours.
    If they phone again and ask for Mr/Mrs bla bla, say yes this is them, but sorry we are not on the phone, and replace the reciever.
    If you are in the mood for some fun, confirm your details, and answer "Kermit the frog" to every question they ask.
    If they phone again, confirn your details and read then the Britananica encyclopedia from front to back cover.
    If the persistant beggers phone again confirm you details but tell them the postal town is incorrect, and give them an address in Mogadishu.
    If they phone again, tell them you are not prepared to discuss terms over the phone, and give them an address in Canada
    Works for me.

  9. #9
    unfoundfuture's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    hi has any one heard of crystal debt management, they keep phoning me

  10. #10
    Amy's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Quote Originally Posted by unfoundfuture View Post
    hi has any one heard of crystal debt management, they keep phoning me
    Yep. Crystal Debt Advisory - Legal Beagles

  11. #11
    F_DCAs's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Not 'going through security' is one option yes, but another is to go for the Truecall device, which you can get on Amazon. That's another option, but may prove a little pricey for some.

    However, in any and all calls, I would recommend googling whichever telephone number has been used and checking out any whocallsme.com comments.

    For the benefit of those who don't know, whocallsme is a very good way of ascertaining who companies are and what they're like to deal with - all from a general public opinion point of view.

  12. #12
    Amethyst's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    “We may not win by protesting, but if we don’t protest we will lose. If we stand up to them, there is always a chance we will win.” Hetty Bower

    Any advice I provide is given without liability, if you are unsure please seek professional legal guidance.

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com

  13. #13
    Panavia's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    I found it useful (and amusing) to turn all there questions back on them
    Whenthey ask for Mr or mrs so and so ask who you are speaking with
    where they live, whats their post code, phone number, inside leg measurement etc
    They gave up before I did and when I told them all calls were being recorded how starnage no more calls:tinysmile_hmm_t2:

  14. #14
    Leeloo's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Quote Originally Posted by Amethyst View Post
    I used this site today, after constant phone calls from 08000287281.
    The complaints were endless :tinysmile_aha_t:

  15. #15
    pompeyfaith's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Just tell them that no decisions will be made over the phone so everything must be put in writing then end the call.

    PF
    If you think nobody cares if you're alive, try missing a couple of payments.




  16. #16
    middenmess's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Quote Originally Posted by Leeloo View Post
    I used this site today, after constant phone calls from 08000287281.
    The complaints were endless :tinysmile_aha_t:

    Related to HSBC

  17. #17
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    Default Re: How to stop Debt Collection Phone Calls

    Iqor keep phoning me. My debt counsellors say they refuse to speak to them. I have serious cancer and though the debt agency has written to them about this they continue to phone me every day. I read that they come to people's homes and harass them. When will this new government do something to rein in debt agencies instead of banging on all the time about people on benefit?

  18. #18
    pompeyfaith's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    glumbabe i would get your medical team or care team to do you a letter to send to the original creditor also start your own thread and ill be back this evening with further help for you as you should not be being harrassed by these lowlifes in your condition

    PF
    If you think nobody cares if you're alive, try missing a couple of payments.




  19. #19
    CleverClogs's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Quote Originally Posted by Paule View Post
    Taken from http://www.debtquestions.co.uk/debt_...pic.php?t=4556

    5. If you feel the need to give a phone number on a website then give a PAYG mobile or the OLD number you had - this will be idle for a year anyway.
    I wonder if anyone has yet been able to speak with Hugh Janus on 0161 872 5050. :rofl:

  20. #20
    CharlesTaylor's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    I have not spoken to Hugh Janus, however what i would like to add is...

    If you have ever experienced the harassment of a persistent debt collector you know that the ability to put an end to the hassle is a welcome opportunity.

    You can bring a suit against debt collection agencies because of the tactics that they use.

    Deceptive tactics are common among debt collectors including disguising their identities and trying to get to you through your family and friends, and even your job.

    All of these methods can result in prosecution of the debt collection agency.

    How can you go about collecting the information that you need so that if you do choose to file suit against the debt collection agency in the future you can win your case? Learn about this in the ebook
    "Helping people become debt free by giving your time for free on web forums out of the goodness of my own heart".

    I hope this help!
    Last edited by Celestine; 3rd December 2011 at 22:47:PM. Reason: NO PLUGGING perleeese

  21. #21
    labman's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Yes, Hugh is usually tied up in meetings passing various motions - he is very busy. Thanks for the above advice though. I suspect the following will be of more use than free advertising for an e-book though.

    The new OFT664 Guidance says creditors must respect creditors requests as to where and how they should be contacted. This could be a very useful little bit of guidance to throw at them, as while it is only guidance, it does hold a fair bit of punch as no company likes being reported to the OFT.
    Last edited by labman; 3rd December 2011 at 21:36:PM.

  22. #22
    charitynjw's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Quote Originally Posted by CharlesTaylor View Post
    I have not spoken to Hugh Janus, however what i would like to add is...

    If you have ever experienced the harassment of a persistent debt collector you know that the ability to put an end to the hassle is a welcome opportunity.

    You can bring a suit against debt collection agencies because of the tactics that they use.

    Deceptive tactics are common among debt collectors including disguising their identities and trying to get to you through your family and friends, and even your job.

    All of these methods can result in prosecution of the debt collection agency.

    How can you go about collecting the information that you need so that if you do choose to file suit against the debt collection agency in the future you can win your case? Learn about this in the ebook "XXXXXXX".

    I hope this help!
    & you give this info out of the goodness of your heart?

    Or maybe not......

    DebtSecret Affiliate program – Make money by selling top secrets on debt issues…
    http://www.secretofdebt.com/Affiliate.html
    Last edited by Celestine; 3rd December 2011 at 22:48:PM. Reason: removed book plug
    CAVEAT LECTOR

    This is only my opinion - "
    Opinions are made to be changed --or how is truth to be got at?" (Byron)

    You and I do not see things as they are. We see things as we are.
    Cohen, Herb

    There is danger when a man throws his tongue into high gear before he
    gets his brain a-going.
    Phelps, C. C.

    "They couldn't hit an elephant at this distance!"
    The last words of John Sedgwick

  23. #23
    Celestine's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Charlie

    If you really want to help people be debt free, pull up a chair and help out.

    If you're just here to plug your debt affiliate programme and book, the Beagle will see you out. :beagle:
    "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

    I am proud to have co-founded LegalBeagles in 2007

  24. #24
    Sapphire's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    Why would someone pay out for an ebook when they can get the same advice for free on here ? Sounds to me like you're making money out of other peoples misery and desperation.

  25. #25
    labman's Avatar

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    Default Re: How to stop Debt Collection Phone Calls

    I bought an e-book on-line last week which looked really good - it was cr..... not good!

    I alo no someone else who bought another e-book / pack recently that appeared good for a not insignificant amount of money, and that too was not worth it.

    I now take the view, if it appears in print as well, have a look at the printed version and then buy the cheapest. If it only appears as an e-book it's probably cos they couldn't get it published or knew it would stand no chance of being published.

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