Debt Collector - MT Collect - Text Message Scarers!

[Vicky1985]

I have had one of these texts today,

I rung them, they were so rude!

 

I told them I am not in a position to pay the debt at the moment and they said that until they get a token payment they have a warrant of execution

and will be coming to my property on saturday unless I pay it by 2pm on Fri.

 

I am panicked I have to admit as I share a house and my housemate has children.

 

I really do not want these people showing up.

 

People on here seem pretty convinced that these guys are hoaxers and scare mongerers but what do I do if they do turn up?

I demanded their postal address off of the agent to make the payment as I refused to give them any card or bank details and have managed to get this.

 

Some advice of what to do would be great!

 

These seem like nasty people!

Even when I said that I was willing to set up a monthly Payment Plan with them!

 

They just said well loads of people want to do that but until you make a payment you can't do it!

 

Help!

[Vicky1985]

Following on from my original comment on another Thread regarding a debt company that is texting people demanding payment or they will send people round to collect goods,

their postal address is MC Collect, Kirkdale House, 7 Kirkdale Road, London, E11 1HP.

 

From what i can work out from reading people's comments, this is their main office.

 

I had to fight to get this address and I intend on sending them the doorstep letter!

 

After reading the comments on here,

I should never have called them but I was petrified!

 

They are rude and nasty people! Any other advice would be helpful!

[dx100uk]

i would not respond at all

 

what is the debt they are going on about.

 

dx

[Vicky1985]

The debt is for a PDL.

Yes it is my fault that I ran up the debt, but I offered to pay the original company and they never responded even after chasing.

NEVER will i take a PDL out again!

Oh to win the lottery and tell them to get stuffed!

[dx100uk]

so how old is the PDL

 

dx

[Ell-enn]

They certainly don't have a warrant of execution - they would only be able to get that IF they took you to court and then IF you did not pay the court order! It's a shame you didn't record them saying they had a warrant - Trading Standards and the OFT would be very interested in that statement!

[dx100uk]

what phone numder did you dial please

 

dx

[Vicky1985]

01704610001 and the PDL is a yr old.

Thing is, they have my old address, they didn't comfirm and personal details with me.

Just the case ID.

 

Still doesn't mean they don't have my new address though as I know what these companies are like! I do however, have a guard dog!

[Stigman]

Fist of Vicky, no one will show up, it's all lies and intimidation to get a payment out of you, and even if they do show up at your new address, just tell them to get off of your property or you will call the police, they have no legal powers to turn up and demand money like anyone knocking on your door and asking for money.

 

Do not ring them, if they ring you, just say "in writing only" and hang up.

 

You need to send MC Collect a CCA request, template above in the templates section, enclose a £1 postal order and do not sign the letter, just print your name.

 

When/If MC Collect get back to you, scan and attach in .PDF format and attach to your post, but please remove all personal details, barcodes, reference numbers and any indentity markers.

 

Do not lose any sleep, have a read around the pay day loans forum, you'll soon see that DCA's use threats, lies and intimidation so the phone monkey can get his/her 20% commission.

 

Stigman

[Vicky1985]

Thank you Stigman! I appreciate that! Much thanks!

[Bazooka Boo]

Just rang them and got some little boy, who only wanted my name to check their system? And claimed that if I didn't give them it then they would continue to ring and leave text messages on my phone? Told him they would do no such thing, and that I didn't owe anyone anything, it went round in circles until he gave up saying, 'right I can't be bothered' and hung up.

 

Bless em, Happy New Year to you too, Mcall? was the name he used, and I will have to replay the call to find out who he said they work for, but it was defo a PDL company, not at all professional....

 

Most definitely DO NOT give these ANY bank details or card details, as you rightly surmise they sound like a bunch of thugs, keep EVERYTHING in writing and lodge a formal complaint with the OFT&TS via http://www.direct.gov.uk/en/Dl1/Directories/UsefulContactsByCategory/Governmentcitizensandrightscontacts/DG_195948

 

Will have to do a bit more digging I think...

 

OK digging done, and it seems that this outfit may well be Carters, and they are very well known for being very agressive, so make that complaint NOW to the OFT&TS,

http://www.consumeractiongroup.co.uk/forum/showthread.php?329315-McCallRepo

Edited January 4, 2012 by Bazooka Boo

[dx100uk]

mr marsden macall repro.

 

carter legal in sheeps clothing

they dont acually exist in the UK either!

 

mainly capital one finance PDL debts

 

am promised a recording of them saying they will be around at 7.30am to take furniture.

 

and that mr marsden has a special warrant of execution from a judge that enables him

to collect on any PDL loan he wishes

he has a lock smiths certificate he can use too.

 

dx

[Ell-enn]

That's excellent DX ! a recording of that conversation will really interest the OFT

[Bazooka Boo]

am promised a recording of them saying they will be around at 7.30am to take furniture.

 

Makes my recording positively lame....(Must try harder!!)

[sillygirl1]

Either way he is demanding money with menaces, threatening things he cannot do, and as for a locksmith certificate I think that is complete Bull.

 

This man sounds like he really enjoys intimidating people.

 

Carter Legal would be Carter Forbes, a solicitor for rent firm specialising in Payday Loan debt.

[dx100uk]

and he does not exist!

 

dx

[Vicky1985]

Thank u everyone. I am going to send them a letter today advising them I only want communication in writing and that I want to see proof of this ccj that I have not paid for them to have got this warrant of execution. Bastards!

[dx100uk]

no ignore them!

 

they are NOT BAILIFFS

 

just a spoofing DCA

 

dx

[Vicky1985]

Should I contact CFO who I have the debt with and arrange a payment plan with them then? I just don't want this hassle!

[dx100uk]

how much money do you think you owe

bearing in mind what was the orginal loan figure

and what you have paid to date?

 

forget any charges they have added, they are a penalty & unlawful

 

so how much do you think you owe?

and

when was your last payment?

 

dx

[Vicky1985]

The loan was for £200. Has anyone that has had one of these "Preremoval" texts actually had a visit from this company?

[Stigman]

The loan was for £200. Has anyone that has had one of these "Preremoval" texts actually had a visit from this company?

 

No one will be visited, all designed to scare and intimidate you.

 

Even if anyone does show up, they have as much right asking for money as anyone who knocks on your door does, if they do, just tell them to leave, if they refuse call the police.

 

You can also film it on your mobile phone, loads of this footage already on youtube.

 

Stigman

[Vicky1985]

Thanks Stigman. Your knowledge seems immense regarding this and is appreciated! Am so paranoid am not leaving any windows or doors unlocked!

[Vicky1985]

Can anyone recommend a debt management company that I can get to deal with my debts that aren't going to rip me off? I need to get on top of my debt and stop this kind of thing from happening again.

[Stigman]

Thanks Stigman. Your knowledge seems immense regarding this and is appreciated! Am so paranoid am not leaving any windows or doors unlocked!

 

If any collectors to do turn up (rare but have been known), all they are is just self employed on a 20% commission basis, they are not bailiffs, if they ever try to gain access through an unlocked door or window, the law is exactly the same as a burglar (£2 fine and a rehabilitation holiday in the Bahamas).

 

Stigman