Is this harassment

graham101@ta · 10-05-2011, 12:46

a freind of mine has got their mortgage with g e money and about 1 week before the mortgage payment is due they get phone calls to mobile and home phone everyday up to 8 times a day when the mortgage is paid they stop until its due again then they start is this legal or some form of harassment
thanks

PAKS4 · 10-05-2011, 13:25

What do they say when they ring?

graham101@ta · 10-05-2011, 13:31

they dont answer now because they know its them but when they did answer sometime ago they asked if they where going to make the mortgage payment on time what is the point of them phoning up when they pay their mortgage on time they say that its gets to the point of harassment that is why i thought id ask the question is this harassment

PAKS4 · 10-05-2011, 13:34

That's harassment.

rickiethecat · 10-05-2011, 13:35

Why don't they just set up a direct debit and save themselves all the hassle?

BananaSplit · 10-05-2011, 13:36

GE Money is part of Santander now I think.

That's surely got to be harrassment. Perhaps a call to the FSA for clarification?

graham101@ta · 10-05-2011, 13:40

Quote:

Originally Posted by rickiethecat

Why don't they just set up a direct debit and save themselves all the hassle?

because they have more control over the payment they have had trouble before with direct debit sometimes the mortgage didnt get paid so they got charges and the bank said it wasnt their problem so thats why they pay it has they do

PAKS4 · 10-05-2011, 13:47

Quote:

Originally Posted by graham101@ta

Quote:

Originally Posted by rickiethecat

Why don't they just set up a direct debit and save themselves all the hassle?

because they have more control over the payment they have had trouble before with direct debit sometimes the mortgage didnt get paid so they got charges and the bank said it wasnt their problem so thats why they pay it has they do

And you wonder why they ring?

graham101@ta · 10-05-2011, 13:53

Quote:

Originally Posted by PAKS4

And you wonder why they ring?

but that wasnt their problem it was a problem between the bank and the mortgage company but none of em would take responsibilaty so they had to pay charges

rickiethecat · 10-05-2011, 13:54

Quote:

Originally Posted by graham101@ta

but that wasnt their problem it was a problem between the bank and the mortgage company but none of em would take responsibilaty so they had to pay charges

You're saying not paying the mortgage isn't their problem?????

graham101@ta · 10-05-2011, 13:59

im not saying that im saying that the problem was between the bank and mortgage company so they pay itlike they do so then they know its getting paid have you never had problems with direct debit i know i have

Tomataheeed · 10-05-2011, 14:05

Quote:

Originally Posted by graham101@ta

im not saying that im saying that the problem was between the bank and mortgage company so they pay itlike they do so then they know its getting paid have you never had problems with direct debit i know i have

If direct Debits have gone wrong...set up a standing order. You'll have to set up a new one each time the payment changes.....which, if you have a fixed rate deal...is not too often.

Classic Rock · 10-05-2011, 14:20

The only reason that a bank will continually ring is because the client is on an at risk list, I imagine due to previous payment issues. I somehow doubt that they're getting all these calls due to one missed payment, has there been a history of irregular payment problems?

Your 'friend' needs to have a conversation with this bank to come to a satisfactory arrangement that will then take them off this register, which will probably mean arranging a regular payment and discuss any outstanding debts which have yet to be resolved - if there are any due to payment problems historically.

Very few people operate a mortgage in the way you have described. I'm surprised the bank are allowing it to be honest.