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Jo C.
Jo C., Barrister
Category: Law
Satisfied Customers: 71057
Experience:  Over 5 years in practice
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Good evening my question is regarding a debt collection company

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Good evening my question is regarding a debt collection company who a couple of months ago sent an e-mail reminding me my payment was due unfortunately they sent it to my sons e-mail address I e-mailed them and expressed my anger at my son being given my account number and the fact my payment was due as it is none of my sons business they said they would look into it I also asked them to stop sending me reminders by e-mail to ensure this didn't happen again as I am well aware of when my payment is due (incidentally my payments are up to date therefore I do not appreciate them reminding me every month)Today they e-mailed my son yet again I am absolutely furious.can I demand they do not e-mail again ,seems to be the only way I can ensure my business stays my business.

Thank you for your question. My name is XXXXX XXXXX I will try to help with this.

Is your son the guarantor ?

Whats his connection to this?
Customer: replied 4 years ago.

No he is not a guarantor he was only 14/15 when this debt came into force his only connection is he is my son .

Whats his connection to this debt?
Customer: replied 4 years ago.

Absolutely none whatsoever. it just happens hes my son and lives here in the family home



I think you have grounds for a substantial complaint against the company. Firstly, for harassing you every month and secondly releasing this information to a third party.

However, having said that, I do not think that it is worth anything to you financially.

Releasing the information to a third party is a breach of the Data Protection Act, and you can refer it to the Information Commissioner as a complaint. Although you will get an apology, that is about all that will happen and it is unlikely I'm afraid that there will be any kind of sanction for breaching the Act.

In relation to both the release of the information and the constant reminders, I think you have a complaint that you could make to the Financial Ombudsman although, once again, other than the Ombudsman making them stop, and getting an apology from the company, it is not going to be worth any kind of compensation for you.

I am sorry if this is bad news, .

Can I clarify anything for you?

Customer: replied 4 years ago.

thank you very much I am not interested in compensation I would just like them to stop sending these e-mails to my son . it is my debt and nothing to do with him I have e-mailed this company again this evening and asked them to stop sending reminders to me how do I contact the information commissioner if this happens again?


Here's the link to the Information Commissioner

And here is the link to the Financial Ombudsman Service
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