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credit card company calling me at work |
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#1 |
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Forum Member
Join Date: Jan 2014
Posts: 5,654
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credit card company calling me at work
How can I stop this? Its the week before Christmas and its harassment as I've already told them I can't take calls at work.
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#2 |
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Forum Member
Join Date: May 2010
Location: Milton Keynes
Posts: 5,185
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Just don't answer the phone when you're at work.
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#3 |
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Forum Member
Join Date: Jan 2009
Location: Scarborough
Posts: 2,254
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When you say 'calling you at work' do you mean on your mobile or on a work phone?
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#4 |
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Forum Member
Join Date: Jan 2014
Posts: 5,654
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Quote:
When you say 'calling you at work' do you mean on your mobile or on a work phone?
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#5 |
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Forum Member
Join Date: Jun 2012
Posts: 6,307
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If you haven't already done so, call the credit card company and insist you speak to a manager or supervisor. Then, in strong and firm terms, explain they should not be trying to contact you at work and then let them know how they should contact you - an alternative number, by email or by letter and tell them you will respond to them by that chosen route.
If you've already don that then you should make a formal complaint and their website should have information about how you can do that. If they are chasing you about a debt then it may also be helpful to speak to Turn2Us, National Debtline and/or local CAB. |
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#6 |
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Forum Member
Join Date: Jul 2006
Posts: 7,367
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Quote:
sorry, on the works phone
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#7 |
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Join Date: Sep 2005
Location: Hertfordshire
Posts: 332
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https://www.citizensadvice.org.uk/de...-by-creditors/
What counts as harassment by a creditor If the creditor tries to do any of the following things to try and get you to pay back the money you owe, this could be considered harassment. They include: trying to embarrass you in public - I have used this argument sucessfully when i was bombarded with calls on a work number on the basis, colleagues could overhear You should write to the creditor who is harassing you asking them to stop. Tell them how you want to be contacted in future and ask them to confirm this in writing. You should point out in the letter that harassment is a criminal offence and you can take further action if your creditor doesn't stop. Remember to send all letters by recorded delivery and keep copies so that you have a record of your complaint. If you need help to write this, get the advice of an experienced adviser, for example at your nearest Citizens Advice. After receiving your complaint, your creditor has 3 business days to respond informally. This could be by phone or email. A final response letter might take longer. Your creditor also has to report your complaint to the Financial Conduct Authority (FCA), even if they respond within 3 business days. - Personally I insist on everything by letter/email, they can have a habit of having "no record" of things later when discussed on the phone. |
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#8 |
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Forum Member
Join Date: May 2004
Location: Reading
Posts: 27,896
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Quote:
How can I stop this? Its the week before Christmas and its harassment as I've already told them I can't take calls at work.
If it is someone trying to flog you a card then you can ask them to remove your details from their database and not to contact you again. They are required to give you their contact details if asked so you can also write to them requesting your details be removed. http://ask.ofcom.org.uk/help/telephone/stop_sales_calls If it is a company you have a card with then it could depend on what the call is about. But you should be able to ask them to use a different method of contacting you and they should respect that. Of course the third option is it is a bunch of scammers trying to con you into revealing private information in which case nothing will stop them if they don't get bored first. |
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#9 |
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Forum Member
Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,935
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Quote:
https://www.citizensadvice.org.uk/de...-by-creditors/
What counts as harassment by a creditor <snip> telephoning you to ask for payment The tone of the first post strongly suggests that the OP is avoiding talking to them due to an outstanding payment. Quote:
How can I stop this?
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#10 |
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Forum Member
Join Date: Feb 2007
Location: London
Posts: 3,851
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Quote:
sorry, on the works phone
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#11 |
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Join Date: Feb 2011
Posts: 25,210
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Quote:
It's worth noting that the list of things that do not count as harassment include:
telephoning you to ask for payment The tone of the first post strongly suggests that the OP is avoiding talking to them due to an outstanding payment. Talking to them and being honest about when you can make payment would probably be the best way to solve your 'harassment' problem. |
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#12 |
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Forum Member
Join Date: Mar 2011
Location: Hertfordshire
Posts: 2,935
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Quote:
Yes it can be classed as harassment, because its not uncommon for these people to phone up more than once a day, also you have the right to tell them not to phone you on a number, you have the right to tell them to remove a phone number, you have the right to decide how they will contact you ie phone, mail, email.
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#13 |
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Join Date: Aug 2010
Location: The Pit of Despair
Posts: 50,131
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Log onto your account online and delete your work number from your account details. That should be the only way they have your number surely, if it's listed on your account?
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#14 |
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Forum Member
Join Date: Nov 2010
Posts: 3,227
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You shouldn't have given them your work number. I don't give out my work number to anybody as I'm not available to take calls when I'm working.
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#15 |
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Forum Member
Join Date: May 2012
Posts: 21,729
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Quote:
Yes it can be classed as harassment, because its not uncommon for these people to phone up more than once a day, also you have the right to tell them not to phone you on a number, you have the right to tell them to remove a phone number, you have the right to decide how they will contact you ie phone, mail, email.
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#16 |
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Forum Member
Join Date: Feb 2011
Posts: 25,210
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Quote:
I don't think that's right. If they are calling to chase money which I suspect they are then you can't just tell them you don't accept phone calls.
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#17 |
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Forum Member
Join Date: Feb 2007
Location: London
Posts: 3,851
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Quote:
Yes you can, and tell them all communications in writing, which can mean mail, or email. They dont have the right to chase someone up at thier place of work, and if they are told to no longer phone up the place of work by the OP and still do both the OP and his place of work can complain to the FCA as they are breaking the law by still phoning
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#18 |
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Forum Member
Join Date: Oct 2005
Posts: 15,303
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Quote:
It's worth noting that the list of things that do not count as harassment include:
telephoning you to ask for payment. The tone of the first post strongly suggests that the OP is avoiding talking to them due to an outstanding payment. Talking to them and being honest about when you can make payment would probably be the best way to solve your 'harassment' problem. Quote:
Any they have the right to chase an overdue payment!
Quote:
I don't think that's right. If they are calling to chase money which I suspect they are then you can't just tell them you don't accept phone calls.
Just telling someone on the phone they can't take calls when clearly the OP can is not going to cut it with creditors, it will take a lot more then that. The OPs thread does come across as someone trying to find fault with their procedure. Obviously the OP does not wish to speak about personal matters at work, neither should they be forced in to doing so,--at work,-- but it does seem to me the BIB is the best way forward. It's not harassment,--yet--- and Christmas has nothing to do with it, OP should talk to them, make an arrangement, don't play games or delay matters, coz they will nail the OP,--- talk to them. |
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#19 |
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Forum Member
Join Date: Feb 2011
Posts: 25,210
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Quote:
Indeed, but you still have to ask (as I did and never got an answer, oddly enough given the OP.......Not) why did the OP give their work number in the first place, if they didn't want the company to use it.
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#20 |
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Forum Member
Join Date: Nov 2010
Posts: 3,227
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Quote:
If i remember correct i have seen this information asked for on application forms for credit cards, but not 100% positive on this.
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#21 |
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Forum Member
Join Date: Oct 2009
Posts: 3,298
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I work on reception in a care home and the staff are not allowed to take calls unless obviously urgent and from the family, .... and I have had over time credit card companies ringing for certain members of staff, I just say in my efficient BT voice that they are not allowed personal calls!..... I have never had any argument back from any of the companies so I would try that op, I am assuming the calls come straight to your phone? ,but they will not know who has actually answered the phone so you just act as if it's not you and get your very efficient voice on and get rid!....lol......
One of the things I learnt in training when i started at BT was... You control the call, don't let it control you !......... Once you think that and act on it, you will be the winner..... ...
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#22 |
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Inactive Member
Join Date: Mar 2003
Location: London, United Kingdom
Posts: 19,783
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Quote:
Why did you give your employers phone as a contact number?
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#23 |
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Inactive Member
Join Date: Mar 2003
Location: London, United Kingdom
Posts: 19,783
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Quote:
You don't have to give it. I make payment to my credit card by phone. The company have my home number and mobile though haven't ever phoned me because I make my payment terms regularly. They do ask every time if I want to give a work number. I just say no. The OP shouldn't have given the number in the first place. I don't know why the company is phoning him but if it is because he is not making payments then it is not illegal to be pursuing him.
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#24 |
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Forum Member
Join Date: Nov 2010
Posts: 3,227
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Quote:
You're less likely to be accepted for credit if you don't provide a work no.
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#25 |
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Forum Member
Join Date: Mar 2009
Location: Bored with Digital Spy Yawn
Posts: 3,676
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Quote:
I've never found that to be the case. The only time there was even a question about it was when my work number was a mobile. Still got the card. Work address which can be traced is enough.
Either way if a credit card company is chasing you for payment its not something you can just ignore. |
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