@virginmedia Intrum Justitia coming back with 'minder' to collect Virgin Mobile debt

[Lady Python]

I was just going to bed (I work nightshift now)

 

when someone started banging my door so hard,

 

I thought it was going to come off its hinges.

 

My dog ran down the stairs barking.

 

After a few minutes I heard someone close a car door.

 

A few minutes later they came back and started banging my letterbox.

 

I'm in my PJs so not going to answer the door.

Eventually, after about 5 minutes they left the street.

 

I looked out the spyhole and saw something attached to my door knocker.

It was a postcard from Intrum Justitia chasing an alleged debt for Virgin.

 

This is what it says:

 

Dear XXXX

 

I called today whilst you were out.

 

I will call again at 9.00pm tonight with minder

 

Please call me on XXXXXX

 

Our free collection service has been provided to assist you in paying your account.

We regret that if payments are not maintained we may have to take action in the County Court.

This could involve you in the additional expense of legal fees and costs and affect your ability to obtain credit in the future.

 

Date 18/11/2014.

 

Surely, threatening to come back at 9pm with a minder is illegal?

In my view, that is intimidation.

 

I am a widow with only my son here.

He has had a lot of ill health in the past (kidney transplantee) and the last thing I want is him to end up getting thumped.

 

There is no CCJ for this alleged debt but one thing's for sure, I will be dumping Virgin when my contract is up in January.

 

It is a comparatively small debt - £400 for a mobile I got for my son.

 

Unfortunately, both of us lost our jobs at the same time and we've only recently got new ones.

 

As far as the DCA goes, I admit to nothing and I will NOT be intimidated or harrassed at that time of night (or any other time for that matter).

 

These bullies will more than likely come back at 9pm

(are they allowed to come banging doors at that time?)

 

so I want to know how to deal with them - and they will NOT get access to my house.

 

Any advice you good people can give will be greatly appreciated.

[fkofilee]

Ooooooooooooooooooooo

 

Who is it? Scotcall? P2C?

 

These are just hired guns who will push their luck. They have no rights. They are not allowed to force their way in.

If they do come, hand them a notice informing them that any further contact will be considered harassment... etc

 

Let me see if i can find something in our templates forum

[ccholland]

hi - link to their website http://www.intrum.com/uk/Contact/

[fkofilee]

Arh okay the post has changed slightly haha...

So its IJ? Damn... Well same as usual. I have sent you a drafted letter.

Also removing all personal details. please put the letter up here so we can see.

[Lady Python]

Arh okay the post has changed slightly haha...

So its IJ? Damn... Well same as usual. I have sent you a drafted letter.

Also removing all personal details. please put the letter up here so we can see.

 

Just the standard letter came in last week.

 

This was a postcard left this morning after the DCA was hammering on my door. He didn't put it through the letterbox - my dog (GSD) would have had his hand for lunch so he stuck it in the door knocker.

 

Well, it's 9.30pm and no sign of any DCA.

 

Bully boy tactics (which don't work on me).

 

Minder indeed!!!

 

I did think the DCA were acting outside their remit (illegally) on this one but wanted to make sure I knew my legal rights if they had turned up tonight.

 

Thank you for the letter template - I like it. I'll fire that off to IJ tomorrow but will report them for heavy-handed tactics to the OFT or whatever it's called these days.

 

I feel sorry for folk who don't know their legal rights, especially the elderly and vulnerable. Some of these DCAs must make life hell for them.

[theoldrouge]

Report to FCA

 

http://www.fca.org.uk/consumers/consumer-helpline

[dx100uk]

god this is dreadful

 

 

they really need exposing on this to all the authorities

 

 

they have

 

 

NO LEGAL POWERS WHATSOEVER

they are NOT BAILIFFS

 

 

and even with a court order

it would NEVER EVER allow a DCA to do this.

 

 

can you scan the card up please?

 

 

dx

[oleg]

Please don't send off the letter until we have seen the card and other ppl have had chance to offer comments / suggestions.

 

This is a serious infringement and the response has to be both effective and appropriate.

[Lady Python]

Will scan postcard when I come home from work in the morning.

[AndyOrch]

fkofilee[/b];4649634]Arh okay the post has changed slightly haha...

So its IJ? Damn... Well same as usual. I have sent you a drafted letter.

Also removing all personal details. please put the letter up here so we can see.

 

Please do not PM Forum templates to other posters...provide a link in the thread so others can comment if appropriate.

 

Andy

[Lady Python]

Here's a scan of the postcard the DCA stuck on my door knocker.

 

Charming!!!

[fkofilee]

Please do not PM Forum templates to other posters...provide a link in the thread so others can comment if appropriate.

 

Andy

 

Hi Andy...

 

I wasn't too sure as it said not to post the template in the open forum.

I modified the letter to instead of threatening a visit to they have visited and further contacts constituted harassment etc

 

Apologies.

 

OP should hold off sending the letter until you guys have had a chance to offer input. Apologies.

That postcard is poor...

[theoldrouge]

you need to contact the FCA asap as per post#6

 

they will want to see that card

[Old Cogger]

FCA have been informed

[dx100uk]

can you pdf the attachment please

[Lady Python]

can you pdf the attachment please

 

How do I do that please?

 

Also has Mike770 reported this to the FCA on my behalf?

 

You are lovely people

[Old Cogger]

How do I do that please?

 

Also has Mike770 reported this to the FCA on my behalf?

 

You are lovely people

just a backup = can you do a formal notification to them as well via the link in previous post, it will be official as you are the recipient/

[dx100uk]

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[jb000]

This goon has probably been watching Arthur Daley and Terry McCann too much. It just goes to show how desperate these so called debt collectors are getting and the tactics they are using. Thanks to CAG, people are now standing up to these bullies and they do not like it one bit.

 

I hope the authorities throw the book at them.

[Old Cogger]

Response from FCA, just asking what a DCA is

relation of notice to me

bla bla bla

 

and my response to the calling card above:-

 

 

 

Lesson one = DCA = DEBT COLLECTION AGENCY

Lesson 2:- , Have been brought to my attention

 

Lesson 3:- Do you not recognise mis-use of threats when you see one??

 

Debt collection by that company methods used to intimidate come on wake up call, if you do not know what you are regulating then pack up

 

Would suggest that Lady Python make a formal complaint direct to the FCA direct, about intimidation!! and to bring to their attention the antics of the DCA but explaining what a DCA is, maybe in picture form!!???

[Old Cogger]

After badgering them and their refusal to co=operate received this one now:- (Might be what I said to them in e-mail, fit ffa near enough translation.

 

 

My findings

 

I've checked the Consumer Credit register (debt collection firms fall under consumer credit) and I have found the following:

 

1. Intrum Justitia Ireland Ltd (ref. no: 558827) is regulated and authorised by us and their registered address is in Dublin. They have debt collecting permissions. As they are registered in Ireland, they will also fall under the Irish regulator, The Central Bank of Ireland. To see ways of contacting them, to find out the status of the firm, you can use the link below:

 

The Central Bank of Ireland - Contact

 

2. Intrum Justitia Limited (ref. no: 654087) is also regulated and authorised by us, and they have a registered address in Liverpool, UK. I have noted that this is not the same address as the one on the card you've received, and also this firm does not have debt collecting permissions. I believe, therefore, the firm that contacted you may be a potential clone firm using the name of a regulated firm. Our website has useful information about cloned firms, which you can see using the link below:

 

FCA: Cloned firms

 

What I'll do with the information you sent us

 

I've also forwarded this information to the relevant team within the FCA. They won't provide you direct feedback of any investigation they may conduct due to restrictions in legislation.

I hope that helps.

 

Yours sincerely,

 

xxxxx xxx xxxxx (Mr)

Associate | Customer Contact Centre

Financial Conduct Authority | http://www.fca.org.uk

Consumer Helpline: 0800 111 6768