Slimy debt collection tactics.
Slimy debt collection tactics.
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Discussion

anonymous-user

Original Poster:

84 months

Friday 28th October 2005
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[redacted]

nervous

24,050 posts

260 months

Friday 28th October 2005
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anonymous said:
[redacted]


hell, i wasnt, but i am now.

Plotloss

67,280 posts

300 months

Friday 28th October 2005
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No they arent allowed to do this.

If Ms Smith contested where they got their info (if you provided it) the case would most probably collapse.

They have to find you of their own fruition to make it stick I believe.

silversun

4,373 posts

256 months

Friday 28th October 2005
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This is pretty normal tactics for debt collection agencies. Remember that they buy the debt so unless the recover it then they don't get any dosh.

High Wycombe council debt collection contacted my old landlady to find out where I'd gone because they ed up my council tax account which meant I owed them money and didn't know it.

And she shopped me to them, the bitch.

andy mac

73,668 posts

285 months

Friday 28th October 2005
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All they are after is her whereabouts... Why would that not hold up in court if a neighbour told them?

cotty

42,248 posts

314 months

Friday 28th October 2005
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Thats quite tame, you should see what I have had to do in the past to get money out of underwriters

Plotloss

67,280 posts

300 months

Friday 28th October 2005
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andy mac said:
All they are after is her whereabouts... Why would that not hold up in court if a neighbour told them?


We have something called the Data Protection Act.

Which prohibts the free trade of personal information outside of partners (thats how the debt collectors get the record)

If any court case for recovery of distressed debt was found to be based upon an illegal gathering of information then I would have thought that it would have a small chance of success.

This was certaintly the case about 5 years ago when I worked in the debt business.

Neil_H

15,418 posts

281 months

Friday 28th October 2005
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silversun said:
This is pretty normal tactics for debt collection agencies. Remember that they buy the debt so unless the recover it then they don't get any dosh.

High Wycombe council debt collection contacted my old landlady to find out where I'd gone because they ed up my council tax account which meant I owed them money and didn't know it.

And she shopped me to them, the bitch.


Can't blame her really, as they would probably try and stitch her up if she didn't.

chrisgr31

14,283 posts

285 months

Friday 28th October 2005
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Other people not paying their debts costs us all more in the end.

So should we complain about Debt Collectors tactics, after all the more they collect the less we have to pay in the future!

Plotloss

67,280 posts

300 months

Friday 28th October 2005
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Standard tactics, the neighbours the other side would have got one too.

She owes a chunk, probably a couple of K or more.

GregE240

10,857 posts

297 months

Friday 28th October 2005
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anonymous said:
[redacted]
Ah, but that means getting up off their fat arses

andy mac

73,668 posts

285 months

Friday 28th October 2005
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anonymous said:
[redacted]

I was thinking the same. Would you be so concerned if it was money owed to you they were chasing up?

andy mac

73,668 posts

285 months

Friday 28th October 2005
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How else are debt collection companies supposed to work? All they did was ask a neighbour if they know where their ex-neighbour is... Hardly an underhand tactic.

andy mac

73,668 posts

285 months

Friday 28th October 2005
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Mrs X owes 3K to a third party... debt collection company asks neighbours where she is... Sounds pretty logical to me. Not intrusive at all.

andy mac

73,668 posts

285 months

Friday 28th October 2005
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anonymous said:
[redacted]


Its a debt collection company.. I assume its for money owed

Then don't do it.. doesn't alter the fact that the debt collection peeps are attempting to recover a debt...

allnighter

6,663 posts

252 months

Friday 28th October 2005
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andy mac said:
Mrs X owes 3K to a third party... debt collection company asks neighbours where she is... Sounds pretty logical to me. Not intrusive at all.


I would ask for a share myself say 10%:
300 quid for my troubles in that case + witness protection program +different identity and a villa in Spain, to them 90% of 3K is better than 100% of nought . Jokin of course!
On the other hand grassing on your neighbour can't get any lower than that unwritten rule really!

>> Edited by allnighter on Friday 28th October 13:03

leftie

11,838 posts

265 months

Friday 28th October 2005
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Have to say that if someone I knew had cleared off owing debts, unless it would be catastrophic for their mental health if they were caught I would help them find her if the agency were legit.

After all, she doesn't pay, some other poor sod wil have to (like you and I paying extra council tax, broadband, mobile calls, car loan rates, insurance etc etc). You don't get owt for nowt. If you used it..pay for it.

I guess they find it wasy to get the details of neighbours from the voters register or 192.com etc.

Lurking Lawyer

4,535 posts

255 months

Friday 28th October 2005
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I fail to see the problem personally! If you object to their tactic, all you have to do is bin the letter....

I'm a litigation lawyer. It's not unusual for defendants to move around and leave debts c/o their last address. It's usual to write to the current occupier of the address to see whether a forwarding address was left. By extension, I really can't see the issue of soliciting information from neighbours who might know the current whereabouts of the individual. A letter is also certainly much cheaper than engaging an enquiry agent to go round and knock on doors!

(I'm not a DPA specialist by any stretch of the imagination, but I'm struggling to see how it applies here. AFAIK, it regulates the disclosure of information held in organised filing/computer systems, not information which an individual might have in their head or might be able to provide by reference to a forwarding address by the previous occupier. There seems to be an AWFUL lot of confusion and misunderstanding thesedays at all levels about what the DPA does and does not permit)

boiler

217 posts

285 months

Friday 28th October 2005
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If you don't like the letter - then bin it. But I would be far more alarmed if a debt collection agency came banging on the door to find out where my next door neighbour has moved to, than sending a simple letter.

I can't see how the DPA comes into this - AFAIK it is about accuracy of information stored, and allowing the owner access to check that it is accurate, nothing to do with how or where you can find out information.

Andy.

silversun

4,373 posts

256 months

Friday 28th October 2005
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Neil_H said:


silversun said:


High Wycombe council debt collection contacted my old landlady to find out where I'd gone because they ed up my council tax account which meant I owed them money and didn't know it.

And she shopped me to them, the bitch.


Can't blame her really, as they would probably try and stitch her up if she didn't.


I wouldn't have minded but I was treated like a criminal by the council and it was them that screwed things up, told me I didn't owe any money and then sent debt collectors after me once they realised their mistake.

Edited add that the landlady was a psycho bitch anyway, not solely because she gave the council my forwarding address (for which I don't really blame her except for the fact I know she would have done it gleefully).

But that's a whole other story, one that may end up as a novel one day....

>> Edited by silversun on Friday 28th October 14:04