Debt collection can be harassment, rules British court

[shabam]

http://www.theregister.co.uk/2009/02/26/debt_collection/

[lrprn]

Ummmm.....this happened in the United Kingdom. It has nothing to do with US collection laws or US bankruptcy law. Interesting, but not helpful to any of us here in the States.

[BigJohn]

Ummmm.....this happened in the United Kingdom. It has nothing to do with US collection laws or US bankruptcy law. Interesting, but not helpful to any of us here in the States.

I think this is helpful. This was a case were a person got fed up at being harrassed. Yes, this was in the UK but the situation and the laws on harrassment are almost identical to our laws.

I think we have been thinking within the box and not realizing if we step outside the box, there are things we can do. When somebody steps over the line with their harrassment, as far as I am concerned, we do have rights and this applies also to original creditors and collection agencies.

[shabam]

Well they should be the same. Never heard of anyone suing for frivolous bull crap, as you can do quite easily under our system. At least one country actually protects "we the people". The same country we went to war with. Oh the irony. Then again, I have never seen the word 'creditor, 'debt' or bondage to it in our constitution. Yet is sure feels like they have all of the power and rights to do as they please with us. Whereas we need to prove what we did with the money and so on. Why are they not held accountable for handing out credit cards when they very well knew people were already in debt and already having difficulties paying it off.

The trustee should be asking that question rather than eying down the recipient (us). Nobody says anything when they are earning millions in fees but kicks and screams when you cannot pay. Then you are made out to be some sort of Madoff. Then you are hunted down like a rapid dog, harassed and intimidated. Our bk system is the equivalent of punishing the user rather than the pusher.

In the UK it is also illegal for them to call let alone harass your family members, neighbors, work colleagues, pets etc. They cannot even speak to your spouse about your debt. Only the account holder. Credit agencies and creditors do not have access to anywhere near the same information that they freely have here. Unless they are a government agency, it is totally illegal to acquire it or store it. Let alone share it.

[BigJohn]

John can you please post what federal laws are similar to the UK law.

I never said Federal laws are similar to the UK law. What i said was "I think this is helpful. This was a case were a person got fed up at being harrassed. Yes, this was in the UK but the situation and the laws on harrassment are almost identical to our laws."

What constitues harrassment is almost identical in most countries I would say. If I speak to somebody from the UK about harrassment, they know what I mean and they know what is and what isn't harrassment. Our definitions are virtually identical.

[BigJohn]

I have filed two seperate Injunction of Harrassments against two people claiming to be representing original creditors. When they got served, it stopped there nonsense.

[2Bshinyandnew]

I have filed two seperate Injunction of Harrassments against two people claiming to be representing original creditors. When they got served, it stopped there nonsense.

How can I do this? What court/venue/pleadings? I would love to be able to file for an injunction against a certain representative who called from BOA and harassed my husband at work. Were these people you filed injunctions against lying about being representatives of original creditors, or were they the real deal? Did it cost you anything? I had no idea something like this was even possible.