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Hello?
Good afternoon,is this Rubén?
Yes, speaking.
My name is Raquel (...), I´m calling you from GSS,
the advisor calling on behalf of TTI Finance,
the finance company.
Ok? We are the company which has taken on your Vodafone debts.
I called a few minutes ago and the line was busy,Rubén.
Yes, yes, carry on.
Well, We´ve got an outstanding payment here from when you ended your contract
with Vodafone, it´s for one hundred and seven Euros, forty-nine cents.
An outstanding payment?
Yes, with an unpaid debt from that time.
The company I represent has bought this debt
and it´s now with a finance company.
Ok, carry on.
Ok, well when you terminated the contract
you had an outstanding payment, it´s stillunpaid... one hundred and seven Euros
forty nine cents.
Erm... no.
Why do you say no, Rubén?
Well because I don´t have any outstanding payments.
Yes, you terminated the contract, did you have any time left on it, Rubén?
I left Vodafone about, I don´t know, six years ago or something.
Yes, in 2007.
Exactly, because they wanted to raise the tariff.
Because they raised the tariff, but did you complete the contract that you had?
No, Vodafone no didn´t respect the duration of the contract that I had
and they wanted to raise the tariff early.
You sign up for a certain amount of time with a tariff, if you weren´t satisfied,
why didn´t you make a complaint, Rubén?
About what? about...?
The solution wasn´t to terminate the contract, you should have made a
complaint and had it resolved.
Yes, I did that, I did that.
You did that? Well it´s not listed here that you´ve made a complaint through the Consumer Authorities
or through any other official body.
Ah, it´s not listed? And how do you know?
Well because if the inquiry had shown any complaint you made
and if the inquiry had been stopped, then TTI wouldn´t have bought the debt from Vodafone.
And also, when we asked for your details from Asnef, the defaulter records,
if there had been any problem or any (mis..), anything that wasn´t
in agreement, Asnef wouldn´t agree to publishing the debt and your details
are going to be published.
But, are they published or are they going to be published?
From the moment that you receive a letter from us you have twenty-five days to make the payment,
if not the details, are handed over, made visible, by that date they will be made visible.
Ok, ok, but I´ve told you that I don´t owe money to Vodafone,
because there is no debt and what you are talking to me about,
well, I complained about it at the time.
Of course, so you have evidence that Vodafone
made a claim about this payment at the time.
I know that Vodafone told me that I had to take out the contract for a certain amount of time
and if I didn´t keep to the agreement then they would fine me.
Yes.
And I told Vodafone that I´d be more than happy do so
providing that it was for agreement that I had signed but
they raised the rate.
And the debt is correct and they will publish your details.
Additionally we´ll begin a complaint via the court, Rubén.
And where are they going to publish them?
Let´s see, have you received the letter from TTI Finance and the letter from Asnef, Rubén?
No, I haven´t received anything from Asnef
Well it has to be there, if it hasn´t arrived yet, it
must be on its way, Rubén.
And what does this letter say?
From TTI Finance with the Vodafone logo on the right, where it says
from which date we are the named creditors of your debt and the deadline you have
before your details are made visible on Asnef.
And... so what?
So what? Well you´ll see, if you don´t make the payment your details...
can be seen by anyone.
Ah, so I could go on Asnef and view the details of any defaulter?
Yes, yes.
Can you tell me how?
You can go Asnef website and then... if your details are not already visible,
in a few days if you still haven´t made the payment this week they´ll be made public.
And the whole world can see them?
Yes, in the... of course, they are public files, anyone can access them.
Can you tell me how?
How? Well on the website... on any website
with defaulter´s files.
On any page... here I´m on Asnef´s page.
Also, the... it´s not the same having a debt with a phone
company published on Asnef as having one with a finance company.
Your debt on Asnef doesn´t show up as one from Vodafone,
it shows up as being with a financial company.
Ah, and that´s more dangerous?
Well, I didn´t say it was more dangerous, it´s just that
if you go to your bank to renew your credit card or you go to make
a contract with financial services it won´t be allowed.
I´ve gone six years without having any problems with any companies
and now because you have bought a supposed debt from Vodafone
I´m now going to have problems.
Well now you´re informed of all of the consequences.
If you don´t make the payment this week, the issue will be taken to court.
You´ve been calling me almost every day for almost two months now
telling me that if I don´t pay a debt, which I don´t have,
you´re going to take me to court.
Yes.
And so why don´t you just take me?
Because you´re constantly calling me telling me that you´re going to take me to court
and I´m waiting.
Whilst we have the records here, we´ll try and resolve it
to avoid further costs.
But it´s just that I...
If the deadline ends and you haven´t agreed to make the payment
then they´ll call you from another department.
Ah, so in the end they´re going to carry on calling me from a different department, well look...
From the other department they´ll call you or they´ll send you
a court summons so that you go to the courts.
well, why don´t they send me now?
I´m tired of you constantly calling me
if I´m not going to pay the debt.
You´re not going to make the payment then?
But what payment? I don´t owe any money.
You don´t owe it?
Ok well then we´ll begin the appropriate legal action.
We´ll be in touch, Rubén, ok?
But are you going to call me again?
Of course, while we have the record, I´ll carry on calling.
You´re not going to stop calling me?
I´ve told you, whilst we have the records, we´ll carry on calling you.
But always saying that you´re going to begin legal action.
We are telling you about the legal consequences that not paying could have.
I was wondering about this. So, this is a never ending cycle.
I tell you that I won´t pay, you threaten me with legal action,
it never happens and you keep on calling me so that I´m
scared that you´ll take me to court.
No, I´m not saying that you have to be worried,
I´m telling you about the legal consequences that not paying
could have and informing you about everything, ok?
No, no, no I´m... sorry, but I´m not informed about everything.
Clarify it for me.
Excuse me, tell me what the deadline is.
The deadline? Well you have to make the payment this week, Rubén.
But you say this every week when you call me.
After the 17th we´ll see what decision the TTI take.
Ah, ok, and maybe they´ll decide to carry on calling me again, right?
Well I don´t know, Rubén.
It´s just, this happens every Friday. Until the world ends, you´ll
calling me every week to tell me that I have until Friday to pay or
you´ll take me to court, but you never take me.
Ok, well I´m telling you now that you have until the 17th, ok?
The 17th is the last time we´ll call you and we´ll see what decision the TTI take.
Of course, and they´ll probaby give me one more Friday, right?
I don´t know, Rubén.
It depends if...
Until Friday...
The deadline is Friday.
Then, depending on the decision that the TTI take we´ll call you.
So, you´ll keep calling me until Friday and when
Friday´s been and gone and then they´ll decide whether to carry on calling me again, right?
On Friday you´ll be called again and if you have any questions don´t hesitate to call us.
(inaudible) ... our phone number because it´s on the letter, ok?
But what do you want me to call you for?
When you decide to make the payment, if you decide to make it.
But I´m not going to pay something I don´t owe, I´ve told you.
Ok. Very well, Rubén.
But, in the end... in the end you... you haven´t clarified anything...
(Inaudible) ... take the appropriate action.
You haven´t clarified anything, come on.
Good morning, Rubén.
Hello, good morning, I asked if you could clarify something for me.
I´ve clarified all the possible information, Rubén,
and on Friday I´ll call you to tell you what action they´re going to take.
But I don´t want you to call me again, this is very annoying.
Ok, Rubén, well thank you, goodbye.
No, thank you no, sorry, I don´t want you to call me again.