How to stop annoying debt collector calls

by domingo001 on Tue Jul 23, 2019 9:31 am

Hi, help me because the Moorcroft debt collectors keep calling my house and asking for someone I never heard of. Each time I tell them they have the wrong number and ask that they remove my number from their calling list, but they keep on calling. How do I get them to stop?

Thanks in advance

by **daveiron** on Tue Jul 23, 2019 10:31 am

Hi, Send this:

Their name & address

NOTICE-TO-CEASE-AND-DESIST

Date

Notice to principle is notice to agent.Notice to agent is notice to principle.

Dear Sir/Madam.

Please read this notice carefully ,it means what it says.

You have been requested to stop telephone calls to number xxxxx xxxxxxxx
You have ignored all requests and continue to call.

TAKE NOTICE THAT ANY TELEPHONE CALLS,TEXT MESSAGES,EMAILS OR LETTERS RECEIVED FROM YOU
AFTER TEN (10) DAYS FROM THE DATE OF THIS NOTICE SHALL BE DEEMED AS ACCEPTANCE OF THE FEE
SCHEDULE BELOW.

TELEPHONE CALLS ( answered or not) £ 150.00 EACH

EMAILS £ 150.00 EACH

LETTERS £ 150.00 EACH

TEXT MESSAGES £ 150.00 EACH

Also action will be taken under the Protection from Harassment Act 1997

By : (signature)

John of the family Doe

IMPLIED ADMISSION BY ABSENCE OF REBUTTAL
ALL CONTACTS RECORDED.

by **daveiron** on Tue Jul 23, 2019 10:36 am

Forgot to add, Send via recorded delivery

by joedalton on Thu Jul 25, 2019 9:38 am

Thank you daveiron, this is very useful.

by waylander62 on Thu Jul 25, 2019 9:46 am

agree with Daveiron

just to add:

include the line: stop your continued harassment of my good self

one other thing is that the charges are a bit on the high side, i would say £30.00 is more acceptable

by **daveiron** on Thu Jul 25, 2019 10:00 am

Hi guys I have used these for many different things that were annoying me. I have found them to be extremely effective.
In my naivety many years ago I took the only one who chose to ignore it to small claims. The judge said he had to dismiss my claim ,However he said if I had produced a log or record of the calls ,it would have been a very different matter. So lesson learnt . Always log & record.

by domingo001 on Mon Aug 05, 2019 1:40 pm

Thank you everyone and it solves by Moorcroft Debt Recovery

by **Mrblue2015** on Thu Dec 05, 2019 11:55 am

@daveiron wrote:Hi guys I have used these for many different things that were annoying me. I have found them to be extremely effective.
In my naivety many years ago I took the only one who chose to ignore it to small claims. The judge said he had to dismiss my claim ,However he said if I had produced a log or record of the calls ,it would have been a very different matter. So lesson learnt . Always log & record.

Hi DI,

To be clear, would this also work for when you receive letter after letter after letter? I.e. when a DCA etc pursue you and despite asking them x many times to evidence their claim, they still continue to write despite producing the evidence we request of them.

You say the Judge said "If I produced a log or record of the calls..." But would this also equally apply for a log / record of letters received?

Thank you Smile

by **daveiron** on Thu Dec 05, 2019 12:10 pm

Not sure, However log everything as you may be able to use the harassment argument.

1 Prohibition of harassment.

(1)A person must not pursue a course of conduct—

(a)which amounts to harassment of another, and

(b)which he knows or ought to know amounts to harassment of the other.

[F1(1A)A person must not pursue a course of conduct —

(a)which involves harassment of two or more persons, and

(b)which he knows or ought to know involves harassment of those persons, and

(c)by which he intends to persuade any person (whether or not one of those mentioned above)—

(i)not to do something that he is entitled or required to do, or

(ii)to do something that he is not under any obligation to do.]

(2)For the purposes of this section [F2or section 2A(2)(c)], the person whose course of conduct is in question ought to know that it amounts to [F3 or involves] harassment of another if a reasonable person in possession of the same information would think the course of conduct amounted to harassment of the other.

(3)Subsection (1) [F4or (1A)] does not apply to a course of conduct if the person who pursued it shows—

(a)that it was pursued for the purpose of preventing or detecting crime,

(b)that it was pursued under any enactment or rule of law or to comply with any condition or requirement imposed by any person under any enactment, or

(c)that in the particular circumstances the pursuit of the course of conduct was reasonable.

by **Mrblue2015** on Thu Dec 05, 2019 12:25 pm

OK will do, thanks DI!

by **daveiron** on Thu Dec 05, 2019 12:37 pm

Of course there is the alternative approach ,if its clear they cannot provide what you ask for .
Have some fun as I am with PRA ,you will note I always add in my letters that I rebut & reject their
presumption. I must admit for the price of a stamp,I derive a great deal of pleasure from it.

by **Mrblue2015** on Thu Dec 05, 2019 3:12 pm

@daveiron wrote:Of course there is the alternative approach ,if its clear they cannot provide what you ask for.

May I ask what is the "alternative approach" you are referring to here? And does the alternative approach stop them sending letters (as per the cease and desist)?

by **daveiron** on Thu Dec 05, 2019 3:23 pm

I was referring to the approach I use with PRA .Basecily just taking the pi*s.

by **Mrblue2015** on Thu Dec 05, 2019 4:26 pm

I kinda thought that's what you meant! Laughing

That won't of course give the desired affect I was looking for (i.e. for them to stop contacting me haha!) BUT I get your point / like you're style Wink

by **Mrblue2015** on Thu Dec 05, 2019 4:28 pm

Really makes you wonder doesn't it... You send the same type (taking the pi*s) of letter every month and yet they STILL keep sending you a letter!? What do they think, you'll change your mind one day and pay up for an alleged debt!? They may as well be robots with ZERO AI (Artificial Intelligence) haha

by CymruPrydain on Thu Dec 05, 2019 7:12 pm

Can anyone help me by pointing me to getting capital one ceo name and address please

by **daveiron** on Thu Dec 05, 2019 7:20 pm

CEO= Amy Lenander
Trent House
Station St
Nottingham
NG2 3HX

by CymruPrydain on Thu Dec 05, 2019 7:26 pm

Us that a Mrs?

by **daveiron** on Thu Dec 05, 2019 7:40 pm

No idea, does not matter though.

by CymruPrydain on Thu Dec 05, 2019 7:44 pm

Awesome thank you.

by **assassin** on Fri Dec 06, 2019 1:47 am

The reason the Judge dismissed Dave's case is because he made claim and couldn't substantiate his claims sufficiently, basically harassment comes down to two or more incidents within a reasonable time, and a time schedule is not listed and it is down to the judge to determine this. One way is to keep a sheet specifically for such calls and write down the dates and times of them, but hand written is spurious and could be forged after the fact, so itemised telephone bills are very useful in this regard.

But, this can be turned to your advantage by using both hand written logs and corroborate them with copies of itemised bills and this looks favourably on you as your hand written logs then become authentic and your hand written statements then necome viewed more favourably in other areas.

by **assassin** on Fri Dec 06, 2019 2:01 am

Interestingly, there is a lawful precedent about this and this was with Virgin when they bombarded a man with marketing material and he told them to stop and they didn't, he served a lawful notice on them and they continued so he bought a claim in the County Court and won, Virgin paid him in accordance with his fee schedule plus costs.

by **Mrblue2015** on Fri Dec 06, 2019 7:19 am

Appreciate the additional info assassin.

by **LionsShare** on Fri Dec 06, 2019 10:37 am

This is a VERY good thread.

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