The is a press release from the Credit Ombud about misconceptions consumers have around the proposed Removal of Adverse Information Project:
The past few months have had consumers eagerly waiting to hear how their ‘bad’ credit records will disappear as a result of the DTI’s Removal of Adverse Information Project which has now been given the go-ahead by Cabinet.
About the time the shops start filling with tinsel and other Christmassy trinkets, my inbox fills up with e-mails from people complaining about being harassed, out of blue, by debt collectors demanding that they pay a seemingly “thumb-sucked” amount.
Can collectors contact you many years after you last had dealings with a company and demand that you pay some alleged debt? Yes, they can.
Remember the days when all shop tills had a special display for the benefit of customers? Not only could you see the total amount you owed, but you could keep tabs on the individual amounts as they were rung up, to make sure that the prices on the shelf were mirrored at the till.
Well, some stores have done away with this courtesy. Customers are left to rely on the cashier to tell them what they owe, or peer over the counter to catch sight of the till total, as one reader put it, “like a stalker!”