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| Contacting Neighbours; What's the guidelines ? | |
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| Topic Started: Mar 8 2007, 09:54 AM (177 Views) | |
| kevin b | Mar 8 2007, 09:54 AM Post #1 |
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Not Yes Car this time (at least I hope not, hoping we're well rid of them), but I've been getting calls from someone or other leaving the usual message "Please ring us back, this is a business call" and quoting a reference number. I'll admit I do have a couple of old debts that I'm guessing are being passed from pillar to post when the company who has bought the debt isn't happy that I can't pay it back under their requirements and so sell it on again - these go back about 6 years when I hit a real bad patch. However this morning my next door neighbour has came to let me know that last night one of these companies rang him and told him to get in touch with me. I've only lived in this new property for 18 months, during which time I haven't taken out any credit and to be honest I don't even know this blokes telephone number - so it's not that I would have put him down as some kind of additional contact number. My neighbour confirms he is listed in the phone book, so I guess with the software they could do trace neighbours in my street using address look-ups ( grasping at straws here ?). Can they do this ? None of these outstanding debts are for any great amounts (less than £200) and to be honest what is outstanding would be for stupid additional fees etc that the various agenices have bunged on the bill - all my original borrowing is cleared. Anyone any advice ? |
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| ihateyes | Mar 8 2007, 10:00 AM Post #2 |
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This happened to me about a year ago. Cant remember what company. |
| Yes Car Credit is closed, But they are still causing misery. I long for peace, but just now all i get is worry.. | |
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| jenni | Mar 8 2007, 10:02 AM Post #3 |
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as long as they aren't passing on any information about your debt or personal details then they aren't breaking any laws - data protection etc. but surely ringing your next door neighbour can't be right? I think this is something you need to seek proper advice on cos although it sounds ethically wrong, I don't think they are breaking any laws doing it and this is how they get away with it. Anyway if youve owed the money for 6 years then how come they are still chasing you for it? aren't the debts statute barred yet? |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ****************************************** 
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| kevin b | Mar 8 2007, 11:14 AM Post #4 |
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I'd always thought it was 7 years...guessing this is one last push ? |
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| jenni | Mar 8 2007, 05:52 PM Post #5 |
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no 6 years have checked it out and had it confirmed which is probably why they are contacting you again cos you are coming up to the 6 years and if you make the mistake of talking to them about the debt then the whole 6 years starts again |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ******************************************
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| whistleblower | Mar 8 2007, 08:56 PM Post #6 |
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Sky TV adopt this practise. Does this ring any bells? 
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/>  <FONT COLOR=RED>Vanquis credit card is owned by provident Financial.Typical 39.9% APR variable Say No! </FONT> Are you having problems with Yes Car Credit or a debt collection agency? Make your complaint direct to the Office Of Fair Trading and BBC1 Watchdog below:. James.MacDougall@oft.gsi.gov.uk or telephone 08457 22 44 99 watchdog@bbc.co.uk or telephone - 020 8535 1000 ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts ******************************************
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| jenni | Mar 8 2007, 08:56 PM Post #7 |
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should it 
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ******************************************
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| whistleblower | Mar 8 2007, 09:34 PM Post #8 |
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www.saynotoyes.co.uk
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Sky TV adopt the practise of contacting neighbors to collect outstanding debts this was only a suggestion of who i might be.
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> <FONT COLOR=RED>Vanquis credit card is owned by provident Financial.Typical 39.9% APR variable Say No! </FONT> Are you having problems with Yes Car Credit or a debt collection agency? Make your complaint direct to the Office Of Fair Trading and BBC1 Watchdog below:. James.MacDougall@oft.gsi.gov.uk or telephone 08457 22 44 99 watchdog@bbc.co.uk or telephone - 020 8535 1000 ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts ******************************************
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| kevin b | Mar 9 2007, 01:07 AM Post #9 |
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But what i want to know is how did these people get the number of my neighbour? And are the in their rights to ring him up. I think this practice is illegal, am I right? |
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| jenni | Mar 9 2007, 07:19 AM Post #10 |
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you see I don't think they break any laws unless they breach the data protection act and as you said your neighbours number is in the phonebook. I think it is morally and ethically wrong but not illegal |
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<a href="http://www.dpbolvw.net/click-2359542-10365649" target="_top"> <img src="http://www.awltovhc.com/image-2359542-10365649" width="120" height="60" alt="" border="0"/></a> Applying for car finance? <a href="http://www.kqzyfj.com/click-2359542-10366647" target="_blank" onmouseover="window.status='http://www.creditexpert.co.uk';return true;" onmouseout="window.status=' ';return true;">View your Experian credit report online for FREE</a> and see what lenders will see <img src="http://www.tqlkg.com/image-2359542-10366647" width="1" height="1" border="0"/> ****************************************** Advice & opinions of the 'saynotoyes' team are offered informally, without prejudice & without liability. Use your own judgment. Seek advice of a qualified insured professional if you have any doubts. ******************************************
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| kevin b | Mar 9 2007, 11:51 AM Post #11 |
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Does Harrasment not play a part in this, ie unsolicited phone calls? Kev |
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| kevin b | Mar 9 2007, 03:17 PM Post #12 |
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cheers Whistleblower....got no outstanding issues with Sky....good for people to know though. |
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| viplosh | Mar 9 2007, 04:43 PM Post #13 |
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It is against CCA guidelines for them to contact your neighbour as this can cause you embarrassement. This they must not do 
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| YFN Man | Mar 10 2007, 10:00 AM Post #14 |
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GoDebt also employ these tactics, we had someone call us called euro deliveries however when we confirmed our address we received nothing apart from a statutory demand the next day, strange! They also send people out to take photos of your house so make sure your mantle piece has been polished as they would have no hesitation in sticking the camera through your window to check out your valuables. You will know if you have been a victim of this practice though as they kindly send you the picture to confirm they know the make of your VCR so you had better pay up soon! We're planning on getting our own back on this company in a perfectly appropriate and befitting manner if anyone is interested ! if so check the message board for debt collection agencies. 
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| Faerie9 | Mar 20 2007, 10:19 PM Post #15 |
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I've also experienced the Next Door Neighbour tactic. My neighbour came round asking if my Ex was in (who had moved out ages ago) as there was someone on the phone with a telegram for him! I went round to answer the phone, and she said she couldn't tell me what it was about, but gave me a reference number which I immediately recognised as an aged debt of his, and a contract phone number. I later emailed the Telegram office who said they were aware of this but as "telegram" or rather "telogram" as they were trading as, was not a protected name, there was nothing they could do... Pretty disgusting, really. |
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