Strange Phone Call today to Neighbours !
Discussion
Pulled up and Neighbour pops over stating she had phonecall from a company called "Yellow Square" who wanted to find directions to my property as they have some post for my now ex-gf.
My Property is on the Royal Mail Postcode system (as I use internet for shopping and know its easy to find) so why ring neighbours ?
I feel that my property is now blackmarked by ex as she was not the best at paying bills on time so is my thoughts on the right route ?
I am unable to find anything about this so called company as I wish to have a chat with them direct and see why they need to ring neighbours.
Thanks for advice .
My Property is on the Royal Mail Postcode system (as I use internet for shopping and know its easy to find) so why ring neighbours ?
I feel that my property is now blackmarked by ex as she was not the best at paying bills on time so is my thoughts on the right route ?
I am unable to find anything about this so called company as I wish to have a chat with them direct and see why they need to ring neighbours.
Thanks for advice .
martinmac said:
Thanks Martin for your reply - Yes it appears to be them - Thanks for searching.She does have a Barclaycard.
Is this not wrong to contact neighbours ?
My home number has not changed for 5 years so why contact neighbours ?
I think guys like this use every trick in the book. I would definately be looking for an explanation. The problem is that if you get in touch they have sort of won.
My present house was a repo 18 months before I bought. A major learning curve.
My present house was a repo 18 months before I bought. A major learning curve.
Edited by martinmac on Wednesday 31st December 19:14
martinmac said:
I think guys like this use every trick in the book. I would definately be looking for an explanation. The problem is that if you get in touch they have sort of won.
My present house was a repo 18 months before I bought. A major learning curve.
Martin what Happened ?My present house was a repo 18 months before I bought. A major learning curve.
Edited by martinmac on Wednesday 31st December 19:14
Just took a while to get everything cleared. Anytime I did any financial stuff the address threw up an alert. The gas and power had been cut off and even though i had history at a previos address for them to check on it took a while to get sorted. Also had people knocking on the door looking for the previous owner. Some of them take a bit of convincing.
had a similair thing, moved in 8 ? years ago, their parents lived locally as found the mail had been moved when inspecting it, when bought, had the locks changed, loads of bailiffs and letters, so all letters opened as the ex-owners parents did not know where they could have moved to...
Don't know how people get away with not paying. I had a debt collection agency phone me at work and then every day on my mobile last week as I hadn't paid my water bill. I was sure I had just as soon as I got it and I kept on disputing it - turns out I paid South WEST water instead of South EAST water - an easy mistake to make when it's a drop down box on internet banking and you've had a fair bit to drink. Luckily it hadn't got to the court stage or cut off just yet!!!
Back of topic - seems very strange to contact your neighbours and not yourself though?
Back of topic - seems very strange to contact your neighbours and not yourself though?
As an ex credit manager who dealt with many DCAs (Debt Collection Agencies) I'll guarantee this is one of them and could probably take a guess at which one. They will have been trying to establish from a 3rd party that the debtor still resides at the address (which in your case she doesn't as she's your Ex).
I still wouldn't contact them though. Let them come to you. Tell them once and then tell them to stop harrassing you.
If any debt collector calls you at work they are breaking the law. Tell them to contact you at home or you'll report them for harrassment.
I still wouldn't contact them though. Let them come to you. Tell them once and then tell them to stop harrassing you.
If any debt collector calls you at work they are breaking the law. Tell them to contact you at home or you'll report them for harrassment.
Tyre_Tread said:
As an ex credit manager who dealt with many DCAs (Debt Collection Agencies) I'll guarantee this is one of them and could probably take a guess at which one. They will have been trying to establish from a 3rd party that the debtor still resides at the address (which in your case she doesn't as she's your Ex).
I still wouldn't contact them though. Let them come to you. Tell them once and then tell them to stop harrassing you.
If any debt collector calls you at work they are breaking the law. Tell them to contact you at home or you'll report them for harrassment.
Out of interest, which law are they breaking if they call you at work?I still wouldn't contact them though. Let them come to you. Tell them once and then tell them to stop harrassing you.
If any debt collector calls you at work they are breaking the law. Tell them to contact you at home or you'll report them for harrassment.
mouseymousey said:
Tyre_Tread said:
As an ex credit manager who dealt with many DCAs (Debt Collection Agencies) I'll guarantee this is one of them and could probably take a guess at which one. They will have been trying to establish from a 3rd party that the debtor still resides at the address (which in your case she doesn't as she's your Ex).
I still wouldn't contact them though. Let them come to you. Tell them once and then tell them to stop harrassing you.
If any debt collector calls you at work they are breaking the law. Tell them to contact you at home or you'll report them for harrassment.
Out of interest, which law are they breaking if they call you at work?I still wouldn't contact them though. Let them come to you. Tell them once and then tell them to stop harrassing you.
If any debt collector calls you at work they are breaking the law. Tell them to contact you at home or you'll report them for harrassment.
The Administration of Justice Act 1970 S.40 makes it a Criminal Offence for a creditor or a creditor's agent (often a debt collection agency) to make demands (for money), which are aimed at causing “;alarm, distress or humiliation, because of their frequency or publicity or manner”. Equally, a creditor will be committing an offence if they falsely imply that non-payment of the debt will lead to criminal proceedings; or the creditor pretends to be someone they are not e.g. a court official or bailiff. It is also an offence to send a person a document which looks like it has been sent from a court.
If you feel you are subject to Debt Collection Harassment then this too could be classed as a criminal offence. Harassment can be verbal or in writing and would include making repeated calls to your workplace or in anti social hours. The Protection from Harassment Act 1997 makes it a Criminal Offence for any person to pursue a course of action “which they know, or ought to know, amounts to harassment of another person”.
The Office of Fair Trading (OFT) has produced a set of Debt Collection and Debt Management Guidelines which sets out the types of debt collection practices which the OFT considers to be unfair. The guidelines do not apply to routine debt collection but are applicable to all accounts where payments have been missed, or are in arrears. The Guidelines include a section on 'contacting debtors at unreasonable times and intervals'. Whilst the guidance does not spell out the types/times of when contact should occur, it does provide a list of examples which it might consider unfair: repeatedly calling at unsociable hours, calling places of work, or calling on Neighbours and disclosing the reason they are making these enquiries.
If you think a creditor has broken the law or has breached these guidelines- you should first raise it with the creditor or collector concerned. To start this process you will need to gather evidence. The first step is to record the times and contents of visits and calls, and to save any threatening letters. You should then write a letter of complaint informing the creditor that you are aware of the Debt Collection Guidelines and believe they are in breach of these as well as possibly been in breach of section 40 of the Administration of Justice Act. Ask them to stop what they are doing. You must however, tell the creditor how you would prefer to be contacted. If the situation does not improve you can make a more formal complaint against a creditor.
If the creditor continues to harass then you can make a complaint to the local Trading Standards Department or go to your local Citizens Advice Bureau. If the problem does not get resolved you could send your complaint to the Office of Fair Trading - who do not usually take up individual cases but their Debt Collection Enforcement Team collects information from various sources and can use it to remove the creditors Consumer Credit Licence.
HTH
Edited by Tyre_Tread on Thursday 1st January 01:25
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