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Loan company contacting work and family - my rights/ harrassment or legal?
Hi,
I have been reviewing 3 old loans I took out in 2013/14. I originally took out 2k, then 8 months later topped it up to 5k, then 6 months later topped it up to 7k. The interest rate as hiked up to over 90% for the last loan so in total I owed with interest over 20k. I struggled to repay the monthly payments, got very stressed, cut off all contact and the loan went into default, to a DCA and then I paid it off eventually.
I would like advice on the following:
During the time went I went into a 'hole' I received text messages all hours, 8/9pm saying I was in trouble - which I think constitutes harressment. However, I do not have copies of these but my mobile provider may still have.
But what I am feeling I need advice on is this:
I asked for a copy of my file - and the loan provider (not a high street loan, a bad credit provider), sent me 6 pages of notes in which they log how they contacted my father again and again from Oct 2013 - March 2015 asking him where i was, I had provided him as a contact name. Can they do this?
They gave the company names which had loans in the title so it was obvious I was in debt, then they kept calling him, texting him.
Also they traced me to an old job where I no longer worked and had not given them permission to contact - are they able to do this, call/email etc? They contacted my brother who i did not give permission to talk to - not sure how, possibly my father may have given a number - their notes say how my father is worried. It was obvious this was causing him stress. I am so appalled at this. Perhaps it is legal but i wanted advice to know if this is or is not.
They called him on 3rd Nov, 10th Nov, 21st Nov. 23rd Nov, 15th Nov next year my brother, then my landlord, 28th Nov my father, and my landlord, my father again on 13th Dec & 18th jan, they conducted a skip trace and found an old emplyer, and contacted 9 times in 2 months.
Is this legal or is this illegal/ harrassement/ any thing else?
I have been reviewing 3 old loans I took out in 2013/14. I originally took out 2k, then 8 months later topped it up to 5k, then 6 months later topped it up to 7k. The interest rate as hiked up to over 90% for the last loan so in total I owed with interest over 20k. I struggled to repay the monthly payments, got very stressed, cut off all contact and the loan went into default, to a DCA and then I paid it off eventually.
I would like advice on the following:
During the time went I went into a 'hole' I received text messages all hours, 8/9pm saying I was in trouble - which I think constitutes harressment. However, I do not have copies of these but my mobile provider may still have.
But what I am feeling I need advice on is this:
I asked for a copy of my file - and the loan provider (not a high street loan, a bad credit provider), sent me 6 pages of notes in which they log how they contacted my father again and again from Oct 2013 - March 2015 asking him where i was, I had provided him as a contact name. Can they do this?
They gave the company names which had loans in the title so it was obvious I was in debt, then they kept calling him, texting him.
Also they traced me to an old job where I no longer worked and had not given them permission to contact - are they able to do this, call/email etc? They contacted my brother who i did not give permission to talk to - not sure how, possibly my father may have given a number - their notes say how my father is worried. It was obvious this was causing him stress. I am so appalled at this. Perhaps it is legal but i wanted advice to know if this is or is not.
They called him on 3rd Nov, 10th Nov, 21st Nov. 23rd Nov, 15th Nov next year my brother, then my landlord, 28th Nov my father, and my landlord, my father again on 13th Dec & 18th jan, they conducted a skip trace and found an old emplyer, and contacted 9 times in 2 months.
Is this legal or is this illegal/ harrassement/ any thing else?
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