I am currently slightly behind on my car loan payments (not even 1 month just a few weeks late on one payment).
The company i owe the money to keep calling me at work i have told them that i am not able to take personal calls but they just keep ringing.
i have no idea where they have got the number from either, i did not give them it.
Is there anything in the law that says they must stop calling my work number once i have advised them it is not appropriate.
PS - I have every intention of speaking to them but i work from 8:30 to 18:00 monday to thursday, they open 9 - 5. My intention is to call them on friday.
2007-06-20 01:52:58 · 10 answers · asked by friskydragon 2 in Business & Finance ➔ Personal Finance
Next time they call, reference the "Fair Debt Collection Practices Act." They are breaking the law.
The Act prohibits certain types of "abusive and deceptive" conduct when attempting to collect debts, including the following:
contacting consumers by telephone outside of the hours of 8:00 a.m. to 9:00 p.m. local time
contacting consumers in any way (other than litigation) after receiving WRITTEN notice that said consumer wishes no further contact or refuses to pay the alleged debt (unless it is to say that collection efforts are being terminated or that the collector intends to file a lawsuit)
contacting consumers at their place of employment (after having been told verbally or in writing that this is not acceptable)
As for HOW they got your number, when you fill out your credit application you are required to put your place of employment and proof of income. It's just a matter of calling the company and asking for you.
2007-06-20 02:08:52 · answer #1 · answered by Stephanie J 5 · 0⤊ 0⤋
American laws.are not always the same as laws in UK. The Fair Debt Collection Practices Act is American. In England & Wales, the Office of Fair Trading issues guidance - in effect a voluntary code of conduct - for debt collectors on how to deal fairly with debtors, not a law.
You might get answers valid for your jurisdiction if you could "Add Details" to say which country you live in.
It would also help if answerers identified which country they live in.
2007-06-20 02:39:06 · answer #2 · answered by Jifri 2 · 0⤊ 0⤋
The only way they will stop calling you is if you speak to them - and some companies even have a policy that until the debt is paid they will not stop calling.
It might be best to contact them in another way - email or letter - with a payment plan of some sort. If you are struggling to maintain your payments write to them and your other creditors asking them to halt the interest and reduce monthly payments. Enclose a budget plan.
If you feel that they are harrassing you...
http://www.insolvencyhelpline.co.uk/debt_factsheets/harassment_of_people_in_debt_by_creditors.htm
Hope this helps. x
2007-06-20 01:58:25 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Unless you have another number they can contact you with during the day, they will keep calling. I suggest giving them a cell phone number for them to call and tell them you will reach them sometime on your break throughout the day. Or, you could give them a timeframe in which it is appropriate to call. As far as their concerned you could be a customer avoiding a phone call; make every effort to show them you are not.
As far as your question on how they got your work number, they probably got it from when you filled out your financing/lease application at your car dealer.
2007-06-20 02:00:16 · answer #4 · answered by Jessica L 2 · 0⤊ 0⤋
Unfortunately, they will keep calling you until a payment is made. They do this to keep you on your toes and to try and make sure that no late payments are made in the future. It is irritating, and in some cases, the person who takes the late payment by badgering you can get a bonus for it!! This is why they persevere and also, why it's a different person calling each time.
2007-06-20 02:11:37 · answer #5 · answered by Sue 3 · 0⤊ 0⤋
Anyone can legally phone anyone .. there are 'Codes of Practise' for direct sales organisations eg. double glazing (cold calling), however these are just 'codes' ..
You can report them for eg. harrisment, threatening behaviour or making nuisance calls - however it seems they have a legitimate reason for calling, so I doubt the Police will take you seriously.
The only way to get them off your back is to pay up ...
2007-06-20 01:59:11 · answer #6 · answered by Steve B 7 · 0⤊ 0⤋
I dont have any advice, but I understand what you are going through! The same happened to me, they kept calling me like 2-3 times a day on my work number - which I def didnt give them.
They had other numbers to reach me on, both my home and mobile numbers, but they kept on and on.
2007-06-20 02:05:22 · answer #7 · answered by OriginalBubble 6 · 0⤊ 0⤋
Once you tell them that they cannot call you at work they cannot do it anymore. Tell them you know you're late & you will take care of it but not if they get you fired because of these phone calls.
2007-06-20 02:04:38 · answer #8 · answered by Cheyenne 4 · 0⤊ 0⤋
they are going to keep calling you at work....until you write a letter telling them you cant have calls at work and to stop calling. But yes i would suggest calling them on your lunch break or something...the longer you take to get it worked out...the less flexible they are going to be...But write the letter!
2007-06-20 01:57:21 · answer #9 · answered by Anna J 5 · 0⤊ 0⤋
hi, it would probably be best to call them in your lunch break and get it sorted, only thn will the calls stop
2007-06-20 02:13:54 · answer #10 · answered by Anonymous · 0⤊ 0⤋