BANKS AND DEBT BUYERS SKULDUGGERY.................

It seems that banks are again selling old credit card and other debts to unscrupulous debt collectors and clients are receiving phone calls and follow-up letters ( sometimes ) to start the act of claiming from debtors that do not know their rights: 

Here follows a few pointers about this:

1. When you get a phone call from a debt collector NEVER confirm who you are before the caller has answered the following questions: 

a)  Who are you?   Spell your name for me.

b)  On whose behalf are you calling? 

c)  Please supply me with your registration number with the COUNSEL FOR DEBT COLLECTORS

d) Please supply me with your company's registration number with the COUNSEL FOR DEBT              COLLECTORS 

E. Who is it you are looking for?   Give me the initials, surname, and id number. 

F   You can now either answer. That is not me( even if it is you) or you can say "that is me"

G. Next:  You ask: Why did you call me?   

From here on depending on what he answered the best is to ask him for an email address where you can respond to his call.   NEVER TRY TO ENGAGE WITH THEM ON THE PHONE - IT IS THEIR ONLY WEAPON. 

If you do get an email address from the caller thank him/her and kill the call

You can now follow this up with an email confirming the contents of the call and remember the words "' WITHOUT PREJUDICE AND WITH ALL RIGHTS RESERVED" 

TEMPLATE INSERTS TO FOLLOW :

QUERYING OWNERSHIP OF THE DEBT

ASKING FOR FULL DETAILS AND INSISTING ON GETTING SAME

INSISTING ON FULL AND COMPLETE STATEMENT OF ACCOUNT. ( 

INSISTING ON THE PROOF OF PAYMENT THAT MIGHT SUDDENLY APPEAR ON PRESCRIBED DEBTS.