Actually no, I disagree.(posted 7026 days ago)I recently received a couple of hundred calls from my creditors enquiring about my health, a zillion or so letters asking me to please call them, and a half dozen personal visitors to my home as well.
Complain to the police? Waste of a telephone call. Complain to the OFT? Not interested. Complain to Trading Standards? Still waiting for them to get back to me. CAB? We appeared to spend a lot of time talking about options, but I was more confused afterwards than before. Well meaning nice people, and they try their best, but there is an ethical puritan stance to the CAB which gets in the way of actually coming up with a solution.
All of these bodies take the viewpoint that, "Well, you do owe them money, right?"
Goodness knows what would get any of them to get off their fat comfortable behinds and do something about creditors that break the law.
What makes me laugh is the letters out of the blue offering me a loan, with the same postmark and the same error on the spelling of my address, all I have to do is fill in all my finanical details, and a loan/credit card is mine by return.
Then there are the Telemesssages in a bright yellow envelope. Call "Steve" immediatly please, very very urgent.
And before I changed the telephone number to ex-directory; They phone, I write, they phone again, I write, they phone and say they must talk to me on the phone, but I say I'm not willing to talk on the telephone. They state that they are therefore going to call me every day until I do talk on the telephone. Wanna bet.
Everybody tells you to talk to your creditors if you are having preoblems, but my own experiance is that if you have nothing in the way of income or assets, there is little point in doing so.
I remember one creditor who responded to my statement "I've only got Income Support", with "We have a number of customers on Income Support, and they are all paying a nominal payment each week". I told her she should be ashamed of herself. She just ignored me and asked how much I was offering to pay each week. Nuffin I said.
I think the best course of action if you find yourself in these kinds of difficulties is to keep in mind that its only money, and whats more, its their money.
ANON