Debt Collectors Getting Silly


F

Fergus

Greetings,

I don't know if this is the right group to ask this question, but it
seems the most appropriate.

Anyways, my mother is having a rather odd problem with a 12 year old
debt. I'll sum it up as quickly as I can.

- In May 1995, my mother purchases a TV and a VCR for £449.99 from a
locally owned retailer. The purchase was financed by Clydesdale
Financial Services. (they are a different company to the bank)

- The finance package would supposedly be paid off within three years.

- My mother made the requested payment of £30 on time, every month for
exactly 36 months, yet her outstanding balance never dropped below £250.
She had paid Clydesdale £1080 by then, she kept every single receipt.

- When I noticed that Clydesdale kept requesting a £30 monthly payment,
even though the original debt had been well and truly paid off I stepped
in. I couldn't make head nor tale of Clydesdale's statements, for every
£30 my mother paid, only £5 approx would come off her balance and
sometimes her balance would randomly shoot up. There was clearly
something amiss.

- I wrote to Clydesdale on my mother's behalf and asked them to correct
their mistake, they did not respond. They did however keep sending
statements each month requesting a £30 payment.

- I told my mother to stop paying. I figured she had well and truly paid
off the debt and that if Clydesdale took her to court the judge would
agree. I wrote to Clydesdale asking telling them to put up or shut up
(but not in those words of course).

That was in 1998, to this day Clydesdale are still hassling my mother.
They have used various different debt collection agencies, they even had
a man call at her door three months ago. By my reckoning statute of
limitations has well and truly passed. Yet they and their debt
collectors still send letter every week, we have three shoeboxes of
letters from them. Oh yes, and the debt is now £876.53.

Clydesdale, through one of their debt collectors even tried to pull a
dodgy trick. Last year they started sending letters claiming the debt
was owed to the local retailer from whom my mother bought the TV from.
These letters did not mention Clydesdale at all, just the name of the
local TV shop. The letter were written as if the local retailer was owed
the debt and that they had called in the debt collectors. The shop had
nothing to do with this and the owner wasn't too happy with what was
happening.

I have wrote to Clydesdale and their debt collectors ordering them to
stop hassling me ma (I now have her power of attorney), all letters are
sent by recorded delivery, but nothing every happens and the letters
keep coming. We even changed our phone number because of these people.

Should we be seeing a solicitor now? What was a minor irritation is now
fast becoming a major hassle.

Any help would really be appreciated.

Fergus
 
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T

Tumbleweed

Fergus said:
Greetings,

I don't know if this is the right group to ask this question, but it seems
the most appropriate.

Anyways, my mother is having a rather odd problem with a 12 year old debt.
I'll sum it up as quickly as I can.

- In May 1995, my mother purchases a TV and a VCR for £449.99 from a
locally owned retailer. The purchase was financed by Clydesdale Financial
Services. (they are a different company to the bank)

- The finance package would supposedly be paid off within three years.

- My mother made the requested payment of £30 on time, every month for
exactly 36 months, yet her outstanding balance never dropped below £250.
She had paid Clydesdale £1080 by then, she kept every single receipt.

- When I noticed that Clydesdale kept requesting a £30 monthly payment,
even though the original debt had been well and truly paid off I stepped
in. I couldn't make head nor tale of Clydesdale's statements, for every
£30 my mother paid, only £5 approx would come off her balance and
sometimes her balance would randomly shoot up. There was clearly something
amiss.

- I wrote to Clydesdale on my mother's behalf and asked them to correct
their mistake, they did not respond. They did however keep sending
statements each month requesting a £30 payment.

- I told my mother to stop paying. I figured she had well and truly paid
off the debt and that if Clydesdale took her to court the judge would
agree. I wrote to Clydesdale asking telling them to put up or shut up (but
not in those words of course).

That was in 1998, to this day Clydesdale are still hassling my mother.
They have used various different debt collection agencies, they even had a
man call at her door three months ago. By my reckoning statute of
limitations has well and truly passed. Yet they and their debt collectors
still send letter every week, we have three shoeboxes of letters from
them. Oh yes, and the debt is now £876.53.

Clydesdale, through one of their debt collectors even tried to pull a
dodgy trick. Last year they started sending letters claiming the debt was
owed to the local retailer from whom my mother bought the TV from. These
letters did not mention Clydesdale at all, just the name of the local TV
shop. The letter were written as if the local retailer was owed the debt
and that they had called in the debt collectors. The shop had nothing to
do with this and the owner wasn't too happy with what was happening.

I have wrote to Clydesdale and their debt collectors ordering them to stop
hassling me ma (I now have her power of attorney), all letters are sent by
recorded delivery, but nothing every happens and the letters keep coming.
We even changed our phone number because of these people.

Should we be seeing a solicitor now? What was a minor irritation is now
fast becoming a major hassle.

Any help would really be appreciated.

Fergus
Several things.
1) recorded delivery letter to chairman of the cyldesdale.
2) Try one of the newspapers, for example the saturday telegraph financial
problems section (the travel helpdesk there helped me with a problem a few
years back very efficiently).
3) Is there an ombudsman you can contact?
4)If all else fails I think you'd have to get a solicitor involved.
 
A

Andy Pandy

Fergus said:
Greetings,

I don't know if this is the right group to ask this question, but it
seems the most appropriate.
I'd suggest uk.legal and/or uk.legal.moderated.
 
R

richard

Fergus said:
Greetings,

I don't know if this is the right group to ask this question, but it seems
the most appropriate.

Anyways, my mother is having a rather odd problem with a 12 year old debt.
I'll sum it up as quickly as I can.

- In May 1995, my mother purchases a TV and a VCR for £449.99 from a
locally owned retailer. The purchase was financed by Clydesdale Financial
Services. (they are a different company to the bank)

- The finance package would supposedly be paid off within three years.

- My mother made the requested payment of £30 on time, every month for
exactly 36 months, yet her outstanding balance never dropped below £250.
She had paid Clydesdale £1080 by then, she kept every single receipt.

- When I noticed that Clydesdale kept requesting a £30 monthly payment,
even though the original debt had been well and truly paid off I stepped
in. I couldn't make head nor tale of Clydesdale's statements, for every
£30 my mother paid, only £5 approx would come off her balance and
sometimes her balance would randomly shoot up. There was clearly something
amiss.

- I wrote to Clydesdale on my mother's behalf and asked them to correct
their mistake, they did not respond. They did however keep sending
statements each month requesting a £30 payment.

- I told my mother to stop paying. I figured she had well and truly paid
off the debt and that if Clydesdale took her to court the judge would
agree. I wrote to Clydesdale asking telling them to put up or shut up (but
not in those words of course).

That was in 1998, to this day Clydesdale are still hassling my mother.
They have used various different debt collection agencies, they even had a
man call at her door three months ago. By my reckoning statute of
limitations has well and truly passed. Yet they and their debt collectors
still send letter every week, we have three shoeboxes of letters from
them. Oh yes, and the debt is now £876.53.

Clydesdale, through one of their debt collectors even tried to pull a
dodgy trick. Last year they started sending letters claiming the debt was
owed to the local retailer from whom my mother bought the TV from. These
letters did not mention Clydesdale at all, just the name of the local TV
shop. The letter were written as if the local retailer was owed the debt
and that they had called in the debt collectors. The shop had nothing to
do with this and the owner wasn't too happy with what was happening.

I have wrote to Clydesdale and their debt collectors ordering them to stop
hassling me ma (I now have her power of attorney), all letters are sent by
recorded delivery, but nothing every happens and the letters keep coming.
We even changed our phone number because of these people.

Should we be seeing a solicitor now? What was a minor irritation is now
fast becoming a major hassle.

Any help would really be appreciated.

Fergus
BBC2 Working lunch program like to hear stories like this.
How about the financial services agency? Might be worth talking to them.
The citizens advice burugh is another place to ask.
 
R

Rob.

How about the financial services agency? Might be worth talking to them.
The citizens advice burugh is another place to ask.-
BBC Radio 4 "You and Yours" is another. Sounds like a media campaign
might be the most productive.
 
M

Miss L. Toe

Any help would really be appreciated.

Fergus
Sounds to me like they have been well overpaid and they owe a big refund,
also a ton of compensation for all the stress and hassle.

A good solicitor should be able to get you between 1-5,000 back. (Just a
guess on my part)

Check your (or probably your mum's) house contents insurance policy they
will often cover things like this. They will pay (the insurance premium
against loss of the case) for a solicitor to tackle this and they will even
find the solicitor.
 
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W

whitely525

Greetings,

I don't know if this is the right group to ask this question, but it
seems the most appropriate.

Anyways, my mother is having a rather odd problem with a 12 year old
debt. I'll sum it up as quickly as I can.

- In May 1995, my mother purchases a TV and a VCR for £449.99 from a
locally owned retailer. The purchase was financed by Clydesdale
Financial Services. (they are a different company to the bank)

- The finance package would supposedly be paid off within three years.

- My mother made the requested payment of £30 on time, every month for
exactly 36 months, yet her outstanding balance never dropped below £250.
She had paid Clydesdale £1080 by then, she kept every single receipt.

- When I noticed that Clydesdale kept requesting a £30 monthly payment,
even though the original debt had been well and truly paid off I stepped
in. I couldn't make head nor tale of Clydesdale's statements, for every
£30 my mother paid, only £5 approx would come off her balance and
sometimes her balance would randomly shoot up. There was clearly
something amiss.

- I wrote to Clydesdale on my mother's behalf and asked them to correct
their mistake, they did not respond. They did however keep sending
statements each month requesting a £30 payment.

- I told my mother to stop paying. I figured she had well and truly paid
off the debt and that if Clydesdale took her to court the judge would
agree. I wrote to Clydesdale asking telling them to put up or shut up
(but not in those words of course).

That was in 1998, to this day Clydesdale are still hassling my mother.
They have used various different debt collection agencies, they even had
a man call at her door three months ago. By my reckoning statute of
limitations has well and truly passed. Yet they and their debt
collectors still send letter every week, we have three shoeboxes of
letters from them. Oh yes, and the debt is now £876.53.

Clydesdale, through one of their debt collectors even tried to pull a
dodgy trick. Last year they started sending letters claiming the debt
was owed to the local retailer from whom my mother bought the TV from.
These letters did not mention Clydesdale at all, just the name of the
local TV shop. The letter were written as if the local retailer was owed
the debt and that they had called in the debt collectors. The shop had
nothing to do with this and the owner wasn't too happy with what was
happening.

I have wrote to Clydesdale and their debt collectors ordering them to
stop hassling me ma (I now have her power of attorney), all letters are
sent by recorded delivery, but nothing every happens and the letters
keep coming. We even changed our phone number because of these people.

Should we be seeing a solicitor now? What was a minor irritation is now
fast becoming a major hassle.

Any help would really be appreciated.
Write to the bank explaining the situation. Tell them to respond in
14 days or you will go to the Financial Ombudsman. This should cost
the bank 360 uk pds (even if any claim is not successful). This
approach costs you nothing, although I am not sure if the case would
to old for the FOS.

You could also tell the bank manager you will report him/her to the
police under the 'prevention of harrassment act'. It is unlikely the
police would act, but the bank might sit up and pay attention.

Consider taking legal advice before going to the ombudsman - you
cannot do both approaches at the same time.
 
G

GB

Write to the bank explaining the situation. Tell them to respond in
14 days or you will go to the Financial Ombudsman. This should cost
the bank 360 uk pds (even if any claim is not successful). This
approach costs you nothing, although I am not sure if the case would
to old for the FOS.

You could also tell the bank manager you will report him/her to the
police under the 'prevention of harrassment act'. It is unlikely the
police would act, but the bank might sit up and pay attention.

Consider taking legal advice before going to the ombudsman - you
cannot do both approaches at the same time.

-----------------------------------------------------------------------------------------

This is excellent advice.

Write to the bank, heading the letter up 'Complaint'. You have to give them
more than 14 days to respond, as otherwise the FOS (Financial Ombudsman
Service) won't get involved. I think you have to leave it for a couple of
months, but don't mention a time limit in your letter. The bank will
normally respond well within that time anyway, and you can take it to the
FOS if you don't like what the bank says. Make the point that your mum has
been harrassed over this, and you want compensation, but unless she's been
turned into a nervous wreck, I wouldn't expect a big payment.
 
F

fred

GB <NOTsom said:
Write to the bank explaining the situation. Tell them to respond in
14 days or you will go to the Financial Ombudsman. This should cost
the bank 360 uk pds (even if any claim is not successful). This
approach costs you nothing, although I am not sure if the case would
to old for the FOS.

You could also tell the bank manager you will report him/her to the
police under the 'prevention of harrassment act'. It is unlikely the
police would act, but the bank might sit up and pay attention.

Consider taking legal advice before going to the ombudsman - you
cannot do both approaches at the same time.

-----------------------------------------------------------------------------------------

This is excellent advice.

Write to the bank, heading the letter up 'Complaint'. You have to give them
more than 14 days to respond, as otherwise the FOS (Financial Ombudsman
Service) won't get involved. I think you have to leave it for a couple of
months, but don't mention a time limit in your letter. The bank will
normally respond well within that time anyway, and you can take it to the
FOS if you don't like what the bank says. Make the point that your mum has
been harrassed over this, and you want compensation, but unless she's been
turned into a nervous wreck, I wouldn't expect a big payment.
Bank?

"The purchase was financed by Clydesdale
Financial Services. (they are a different company to the bank)"

ie. Not the Clydesdale Bank
 
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