Pounds to pocket multiple phone calls a day

[Jrh1985]

Hi there,

 

I'm new to this site and I am after a bit of advice please:

A few years ago I ventured down the slippery slope of pay day loans,

As a rule payments and debts were cleared and my experian was all up to date,

 

I am still paying a qq payday loan back on agreement with no hassle at all, but about 4 weeks ago I took a call from an American from P2P saying I owe them over £500 and they want it immediately, obviously I disputed this and asked for more information as its not on my credit expert and all they said is its from 2013 and they don't have much more information, I have never had any correspondence from them or anything till 4 weeks ago and I'm very confused as I have spoke to credit expert and they say there is no record...

 

Please help

[renegadeimp]

Ignore them if they call. They will say anything over the phone. If they continue, just hang up and send them and the FCA a full complaint

[Jrh1985]

Please pardon my ignorance but what is FCA?

[martin2006]

Financial Conduct Authority, the regulatory body

[citizenB]

The FCA will not deal with individual complaints - although there is nothing stopping you from sending a copy of your complaint to them.

 

You need to make a formal complaint to the company itself - in writing and identified as a COMPLAINT. Send it to their head/registered office. They have 8 weeks in which to deal with this.

 

If they ignore you or don't deal with the complaint to your satisfaction then you should escalate your complaint to the Financial Ombudsman. Alternatively you could issue a small claim against the company.

[ericsbrother]

when they phone just scream down the phone as loud as you can.

[Bazooka Boo]

If they ring, laugh and hang up, repeat the process, anything they wish to say can be committed in writing.

 

Keep a diary of events regarding the phone calls, with a view to reporting them to Ofcom and the police for the criminal offence of harassment.

 

You could send them the telephone harassment letter if they persist. http://www.consumeractiongroup.co.uk/forum/showthread.php?387367-Harassment-by-Telephone-**Update-21st-April-2014**

[Jrh1985]

Thank you all very much

[Sparks_]

have some 'on hold' music ready if they call again just play the music down the phone

[fkofilee]

Wekcome to CAG JRH...

 

Suggestion from me, Check your CRA for Entries from Casheuronet Ltd (PArent company of QQ etc)

 

Noddle and Clearscore are good options. Let us know if an entry exists on either,.