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.
credit card company calling me at work
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Originally Posted by fizzycat:
“When you say 'calling you at work' do you mean on your mobile or on a work phone?”
“When you say 'calling you at work' do you mean on your mobile or on a work phone?”
sorry, on the works phone
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.
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.
Originally Posted by starry_rune:
“sorry, on the works phone”
“sorry, on the works phone
”
Call them and change your contact number with them?
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.
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.
Originally Posted by starry_rune:
“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.”
“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.”
Is it a credit card company you have a card with or some random company trying to flog you one of their cards?
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.
Originally Posted by Dave_Herts:
“https://www.citizensadvice.org.uk/de...-by-creditors/
What counts as harassment by a creditor
<snip>”
“https://www.citizensadvice.org.uk/de...-by-creditors/
What counts as harassment by a creditor
<snip>”
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.
Originally Posted by starry_rune:
“How can I stop this?”
“How can I stop this?”
Talking to them and being honest about when you can make payment would probably be the best way to solve your 'harassment' problem.
Originally Posted by starry_rune:
“sorry, on the works phone”
“sorry, on the works phone
”
Why did you give your employers phone as a contact number?
Originally Posted by Roush:
“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.”
“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.”
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.
Originally Posted by tim59:
“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.”
“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.”
Any they have the right to chase an overdue payment!
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?
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.
Originally Posted by tim59:
“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.”
“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.”
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.
Originally Posted by walterwhite:
“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.”
“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.”
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
Originally Posted by tim59:
“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”
“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”
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.
Originally Posted by Roush:
“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.”
“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.”
Originally Posted by Roush:
“Any they have the right to chase an overdue payment!”
“Any they have the right to chase an overdue payment!”
Originally Posted by walterwhite:
“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.”
“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.”
I agree with all these posts.
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.
Originally Posted by Mark39London:
“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.”
“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.”
If i remember correct i have seen this information asked for on application forms for credit cards, but not 100% positive on this.
Originally Posted by tim59:
“If i remember correct i have seen this information asked for on application forms for credit cards, but not 100% positive on this.”
“If i remember correct i have seen this information asked for on application forms for credit cards, but not 100% positive on this.”
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.
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.....
...
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.....
...
Originally Posted by Mark39London:
“Why did you give your employers phone as a contact number?”
“Why did you give your employers phone as a contact number?”
You've obviously never applied for a loan or credit card.
Originally Posted by pie-eyed:
“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.”
“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.”
You're less likely to be accepted for credit if you don't provide a work no.
Originally Posted by MTUK1:
“You're less likely to be accepted for credit if you don't provide a work no.”
“You're less likely to be accepted for credit if you don't provide a work no.”
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.
Originally Posted by pie-eyed:
“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.”
“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.”
I cant ever recall being asked my work phone number by a credit card company and neither would I give it.
Either way if a credit card company is chasing you for payment its not something you can just ignore.
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