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Chased by Global Debt Recovery for debt I don't owe!

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11 posts • Page 1 of 21, 2

Chased by Global Debt Recovery for debt I don't owe!

Postby kathkath » January 14th, 2012, 4:37 pm

Since November I have received 4 letters from a firm called Gloabl Debt Recovery Ltd asking for payment of £113 for a debt with- Client Experto Credite, something I know nothing about,

the latest states that they are going to start collection procedures. I have checked my credit file with experian and have no outstanding debts or CCJ's. I have tried speaking with this firm but have got nowhere.

I have now sent the letter from this site asking them to stop contacting me unless they can provide proof of the debt.

Is there anything else I can do as I am now extremely worried. I could pay but don't see why I should if I do not owe anything,

I have also read quite bad comments about this firm on various internet forums and am concerned that if I pay it willl open the floodgates from them for further demands. Any ideas on what to do next ?
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Re: Chased by Global Debt Recovery for debt I know nothing abou

Postby Debtwizard » January 14th, 2012, 4:50 pm

Hello kathkath and a very warm welcome to the debt help and IVA forum.

Well done for doing the 'disputed debt letter' template from my website.

If you recall what is in the template letter, you threatened to go to the OFT, Trading Standards, their Trade Association and the Financial Ombudsman Service (FOS). So if they do not desist then this you will do.

I believe the letter will shut them up for good.

If you get another one back then come back on here pronto.

Did you send it recorded delivery as I suggested?

Best wishes

Mike
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby kathkath » January 14th, 2012, 9:14 pm

Thanks Mike, I have actually sent the letter registered post. I will let you know if I receive any response.
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby kathkath » January 20th, 2012, 7:17 pm

Mike,

I am please to let you know that this evening I have received another letter. No apology just one line stating that they have reviewed my case and the file is now closed.

So; I still don't know why they chose to chase me, what the so called debt was for and who it was with.

How can faceless companies like this get away with their bully boy tactics?

What is interesting about this is that Global Debt Recovery Ltd are associated with another company- Tower Investigations, they first send you a letter quoting that they are geneaogly specialists and would like you to get in touch to confirm some details! T

hey have the same directors , registered office and address, they have filed company house return to show that they can submit accounts for a doemant company. If they are dormant then why are they still using the company name to trick and mislead people. They do not appear to be very ethical.

I do hope that this information may help anyone else who happens to read this,

Thanks for your help.
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby Debtwizard » January 21st, 2012, 2:12 pm

Hello kathkath

From what you have just said I think you will now find they are in breach of the Office of Fair Trading Guidelines, if you can confirm some things for me then I will let you know what breaches and then you can fire off a complaint and report them to the OFT, Trading Standards and their Trade Association, that will make them act in a more professional manner!

Need to know this;

Did they dupe you into contacting them i.e. they never made it clear from the onset who they were?

Have they explained in the last letter what they were doing and said they will mark the file up that you are not the debtor? Any explanation of any sort?

Best wishes

Mike
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby kathkath » January 21st, 2012, 2:54 pm

Hi Mike,

the first letter was from Tower investigations, they never made it clear why they wanted me to contact them.

Since i sent a copy of your letter last week the reply I have had from Global Debt recovery only quotes the account number they were wanting payment for and states ' we have reviewd the above (account number) and have now closed our file'. No other explanations.

They have not confirmed that I am not the debtor.

I am presuming this should be the end of the matter, however I do feel that they are duping people and I have read some really bad comments about them. In deed when I did ring they were rude and difficult almost imediately and I therefore did not proceed further with the call.

kathy
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby Debtwizard » January 21st, 2012, 4:42 pm

Hello Kathy

In my view they have breached most if not all of the following Office of Fair Trading (OFT) Debt Collection Guidelines

UNFAIR OR IMPROPER BUSINESS PRACTICES

3.3 (g) - failing to provide 'debtors' with information on the outcome of investigations into reasonably queried or disputed debts.

Physical/psychological harassment

Section 3.7 (e) - When seeking to recover a debt, failing to take appropriate steps with a view to ensuring that available data/information to inform the pursuit and recovery of a debt is accurate and adequate, such that the debtor and the (amount of the) debt can be correctly identified from that data/information.

Failure to do so may result in:

• the wrong person being pursued for a debt, or
• a person being pursued for a debt that does not exist, or
• a person being pursued for an incorrect amount.

Section 3.7 (o) - ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make demands for payment without providing clear justification and/or evidence as to why the claims are not valid.

Deceptive and/or unfair methods

Examples of unfair or improper practices are as follows:

3.9 (a) - Sending demands for payment, by any means, to an individual, when it is uncertain whether he is the actual debtor

3.9 (i) - when a debt is reasonably queried or disputed, failing to investigate and/or provide details (possibly including, for example, details of account history, payment schedules and relevant correspondence

3.9 (j) - requiring an individual to prove he is not the actual debtor who owes an outstanding debt

3.23 (f) - businesses failing to update systems or records or CRA data (where applicable), where it has been established that an individual being pursued for a debt is not the actual debtor, or the debt has been paid

3.23 (h) - third parties, including tracing agents, debt collection agencies and law firms, which are involved in the debt recovery process, failing to pass on to creditors information provided by individuals who are disputing debts

So you can see I had some interesting reading yesterday when on a train for a few hours, are you thinking of writing to them to complain that they have breached the above, if you do so then post it recorded and then report them to the OFT, Financial Ombudsman Service (FOS) and their Trade Association. They need to be more professional and work with the guidelines!

Trust this helps.

Best wishes

Mike
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby mikeC » June 7th, 2012, 12:04 pm

Hello Mike and all forum users.

Ref Global Debt Recovery (GDR), I received a letter from a company called Winged Messenger about a week ago, after contacting them and telling them I had no debt at all, I then received a couple of the annoying phone calls and then today, a letter from GDR.
This letter informed me that I have a debt of £18,784.75.

I contacted GDR, and in no uncertain terms informed them that (a) I did not know the company they represented, Experto Credite. and (b) that I do not owe anyone on this planet £18,784.75.

When I demanded more information I was informed the client was Lombard Finance.

Now the mist began to clear, so of to the files and low and behold there it was. Bankruptcy dated 2009, and number 1 in the list of creditors Lombard Finance amount £18,784.75.

I did send them a copy of a photograph of the details that referred to them and on the image it also records the court details etc.

So it seems someone has tried it on and failed.

I declared myself bankrupt in July 2009. and if you want to see the email I sent contact me.
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby Debtwizard » June 8th, 2012, 11:22 am

Hello MikeC and a very warm welcome to the fee free debt help and IVA forum.

Thanks for sharing your experience with us re Global Debt Recovery, it would seem that they have purchased the debt for a very small sum and were rather hoping you would pay up a sum, not all of it but a lump sum to make it go away. Well that cannot happen because you are no longer required to make any payments on this debt because of your bankruptcy.

I find this happens all too often, creditors selling their bad debts on to any debt collector that is prepared tp pay something, usually around 6% of the balance.

If my theory is correct then Global debt recovery may have paid circa £1,127, they will not be happy to suffer that loss so I expect they may well try and resell it to some other debt collector. Called pass the buck.

The point I am getting to is that you may be contacted again from another debt collector.

To counter this next time add the following to any letter you send (recorded delivery).

As you are now aware that this debt is no longer payable and you continue to act in this irresponsible and unprofessional way then I / we will have no other alternative than to report you to Trading Standards and the Office of Fair Trading. I / we will also lodge a complaint with the Financial Ombudsman Service and your trade association, if appropriate, the Credit Services Association.

If I / we receive any communication from a / another debt collection agency then it will be evident that you have sold this debt on with the knowledge that it is no longer payable. Should this occur then I / we will report you to the government bodies and trade association detailed above.

I / We now await written confirmation that this matter is now closed, you are not to contact me / us by telephone, instead by letter only.


That should put an end to the matter.

Best wishes,
Mike.
How do we help at DebtWizard?

We can help stop the phone calls & threatening letters
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Re: Chased by Global Debt Recovery for debt I don't owe!

Postby Colin » August 8th, 2017, 4:18 pm

Mike

I have received a letter from Global Debt Recovery claiming I Owe £4142.61p on a Mastercard issued by Lloyds Bank, having checked with my bank they have no record of the card ever being issued to me yet the bank have records of everything else I have done with them. Having contacted GDR they say the bank would have have no record as the debt would have been sold on to them.

The last time I spoke to GDR(Today) I told them that this is not me who owes this money they told me to phone 03001232040 report as fraud get a crime number and send to them, I have not rung this number because I don't know if this number is linked to GDR.

Colin Edwards
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