Complaints Against HO Collections
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What To Do If You Get A Nasty Letter or Phone Call From:
HO Collections
HO Collections is a debt purchasing company or debt collecting company listed in the website of
DPC Registry is licenced by the Office of Fair Trading. Licence No. 633327 and are signatories of the Data Protection Act. Reg. No. Z1620707
Ho Collections and the Truth About Your Debt
Remember to always insist on handling the debt collecting companies by letter. Don't give out any phone numbers. The problem is during the first call they make, when your defences are down, they'll say they are calling from the bank or credit card company and this will make you feel inclined to cooperate. They seek your uncertainty and perplexity, so they want as much confusion as they possibly can: here is where HO Collections will have the best result. When they get hold of this information they will use it to pester you and even to scare you. The law is there to prevent this sort of thing from happening but the problem is that most people just don't know what to do and it is clear that the debt collecting firms will use it to their advantage. Bodies like the excellent CCCS or the CAB (Citizen's Advice Bureau) are there to offer help but often they are stretched to capacity so there are times when such help is lacking in detail.
The law in the UK seems not to notice when this injustice occurs, or so it appears. Many of the debt collection companies that trade in the UK are owned by foreign investment companies knowing where to make a fast buck. There are several laws in place regarding HO Collections, but for some unknown reason the debt firms manage to operate by breaking the rules whenever they think they can get away with it. They only stop when they are censured by a body like the Financial Services Authority or the oft. And even then the small punishment they are handed is such a tiny fraction of their overall receipts that they don't really give a damn, and they laugh at such punishments.
If you are having to deal with HO Collections you can draw comfort that a lot of the things that they are using to harass you remain illegal or have become so. These debt collecting companies or DCAs appear under very little obligation to do anything about improving their conduct until made to do so by some official institution or similar body.
Assuming that you are having to deal with HO Collections you'll be aware of all the nasty tricks they use to get money out of you so that they can profit from your misery. You may have already experienced bad dealings with them. They may phone you up when they know it is inconvenient or even embarrassing for you and on an unacceptably numerous number of occasions. They may write official appearing nastily worded letters or cards threatening that they will come round to collect the amount in full or that they will take you to court for the full amount. Their other tricks could include attempting a charging order on your home or make you homeless.
So ask HO Collections for a copy of the original contract when you took out your loan or credit card.
Even better, start an unenforceable credit agreement application here. If you want to check, in addition, missold PPI and recover all the credit card charges you've paid over the last 6 years (plus 8% interest) it costs an upfront fee of only £99 for a full audit to see what you're entitled to. Click here for more.
To find out if you qualify for an IVA or can benefit from a debt management programme, try the IVA Test. It's free to apply, and again you are protected by the consumer laws regarding debt management at all stages. Click here to go to the application form.
DPC Registry is registered and regulated under the Data Protection Act. Reg. No. Z1620707 and licenced by the Office of Fair Trading. Consumer Credit Licence No. 633327.
More Data On HO Collections
If you have any information that you would like honest people to know about Ho Collections then send us an email in complete confidence and we will try to corroborate it with the clowns involved.
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This Ho Collections website is part of DPC Registry website group. All rights reserved. Complaints Against HO Collections debt collectors.
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