2 replies to this topic

[rayoflight48103]

I have been an avid reader of the Credit Board for years, but haven't posted much. I haved lived the UK for 6 years, working on my credit in anticipation of returning to the USA. Today a debt collector called my workplace in the UK, saying they were from Florida (can't remember the name of the CA)..they gave me a phone number and I wrote it down. I told them I would phone them back. I tried calling the number hours later but it wouldn't connect.

I called the Federal Trade Commission and the rep said (after consulting with her boss) that they didn't think FDCPA rules applied as I was located in the UK, as such there is nothing in the act about overseas debt collection from a US based CA.

My questions are:

Does anyone have any experience with this?
Can a CA actually call an overseas workplace?
Should I write a letter to the CA asking them to stop calling my workplace (it seems to me it shouldn't matter where in the world it is...FDCPA says simply "workplace")


Any help would be appreciated. I haven't had this problem in the 6 years I have lived here, however I have applied for new US based credit and perhaps this is "waking the beast"

[ICANHASMUNY?]

yes. you poked the bear...

read the pinned topic " Your collection Score"


Additionally, if you had any past due debts when you left the country, the Statute of limitiations may have been "tolled" while you were overseas, and these could be waiting for you when you return...


I would check English law - if there was any violation of debt collection practices, since it occured in England, English law applies. ( law of the forum )



http://www.oft.gov.u...debt-collection

[deadsosoon1776]

I have been an avid reader of the Credit Board for years, but haven't posted much. I haved lived the UK for 6 years, working on my credit in anticipation of returning to the USA. Today a debt collector called my workplace in the UK, saying they were from Florida (can't remember the name of the CA)..they gave me a phone number and I wrote it down. I told them I would phone them back. I tried calling the number hours later but it wouldn't connect.

I called the Federal Trade Commission and the rep said (after consulting with her boss) that they didn't think FDCPA rules applied as I was located in the UK, as such there is nothing in the act about overseas debt collection from a US based CA.

My questions are:

Does anyone have any experience with this?
Can a CA actually call an overseas workplace?
Should I write a letter to the CA asking them to stop calling my workplace (it seems to me it shouldn't matter where in the world it is...FDCPA says simply "workplace")


Any help would be appreciated. I haven't had this problem in the 6 years I have lived here, however I have applied for new US based credit and perhaps this is "waking the beast"

I use to work for a collection agency. We had a guy who moved to France tell us to FOAD and we had to close it. Long story short they can not touch you as long as you are over seas