Scotcall

[Aguerooooo]

Hi

I received an email from this company saying they were going to call at my house regarding a debt for a mobile phone company (I am not sure the debt is mine). I sent them the letter stating the postman or asking for directions and not to call, and received the following reply, I am not sure where to go from here and any advice would be greatly appreciated.

Thanks in advance.

Correspondence <Correspondence@scotcallgroup.com>	15:32 (9 hours ago)
to me

Good afternoon,

The case you have referred to is not applicable to your circumstances. As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection.


We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies.

Yours sincerely

Correspondence Department

[seduraed]

Re: Scotcall

They have no power . No right of entry ,so when they call simply say "I'm not prepared to discuss this with you can you return the file to your office"

[wales01man]

Re: Scotcall

Only need to say 2 words to them if they come to your door the second one is off

[Kafka]

Re: Scotcall

A mobile phone contract is a service agreement anyway, not a credit agreement, so that gives you an idea of how sharp they are.

Scotcall are sometimes known as Notcall, because their main job seems to be sending out threatograms that they never follow up. Of course it might be because their admin is so bad that they never find the right addresses?

[FlamingParrot]

Re: Scotcall

Hi

I received an email from this company saying they were going to call at my house regarding a debt for a mobile phone company (I am not sure the debt is mine). I sent them the letter stating the postman or asking for directions and not to call, and received the following reply, I am not sure where to go from here and any advice would be greatly appreciated.

Thanks in advance.

Correspondence <Correspondence@scotcallgroup.com>	15:32 (9 hours ago)
to me

Good afternoon,

The case you have referred to is not applicable to your circumstances. As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection.

We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies.

Welcome to LB


Technically it's not illegal to send a debt collector round, but you have no obligation to speak to them.

The letter you received is obviously a template, hence the mention of 'credit agreement' even when it refers to a mobile contract.

Scotcall got in contact with me a couple of years ago, over an RBS credit card. I responded with an account in dispute letter along with the doorstep one you mentioned and they passed back the account to Regal, who were acting for RBS that was the very last I ever heard about that account, since Jan 2012! :bounce: :bounce:

I never got a visit from them either, the vast majority of such threats are just empty threats meant to intimidate people who often mistake them with bailiffs. It's a lot cheaper to churn out dozens of letters printed on cheap paper than to actually send someone round to visit you.

[Aguerooooo]

Re: Scotcall

Hi

Thanks for all the replies, I got a letter from them and it also has a letter from Lowell Portfolio saying it has been transferred to Scotcall. Surely they can't be allowed to just pass my details around like pass the parcel?

[FlamingParrot]

Re: Scotcall

Hi

Thanks for all the replies, I got a letter from them and it also has a letter from Lowell Portfolio saying it has been transferred to Scotcall. Surely they can't be allowed to just pass my details around like pass the parcel?

They are allowed to outsource collection to an external collections company (a DCA) and they'd need to have your details to do their job. Would be different if they'd shared your details with an unrelated and/or unauthorised third party.