1st Credit refusing monthly payment

smithy73 · 3rd June 2008, 12:00

Hi All,

Just wondering if anyone can help.
My brother owes £160 for a mobile phone bill. 1st credit are now chasing on their be half. He has offered to pay £20 per month but they are refusing to agree the payment plan saying their client's (telephone company) will only accepy payment in full or they will issue court proceedings.
Anyone got any ideas on how to resolve this.

regards,

Smithy.

PGH7447 · 3rd June 2008, 12:19

Send the payments to the mobile phone company and cut out 1st Crudit, does the phone company accept online payments?

babybear39 · 3rd June 2008, 12:23

I agree. A lot of mobile companies will accept the payments directly which p***es off the DCAs no end

smithy73 · 3rd June 2008, 12:33

Thanks for that chaps.
He has spoken to company direct and they have advised him of the same thing. Payment in full or court action. He does not have the funds to do this.
Can not pay online as when he enters his details it just kicks him out, so I would say the account is closed as it been pased to DCA.
What next?

babybear39 · 3rd June 2008, 12:37

1st crud are going to look pretty stoopid taking someone to court for £160 when they already offered £20 per month. Get your brother to write to them recorded delivery making the same request enclosing the first payment. If/when they write to decline, he then has evidence of thier being unreasonable.

Have they added any charge to the account?

Is your brother on benefits?

PGH7447 · 3rd June 2008, 12:40

BB39 is correct I can just see the judges face when presented with this, as BB39 says send the first payment with an offer letter, then send a payment every month. Once they get their grubby mitts on some hard cash they tend to go quiet, just dont default the payment schedule.

smithy73 · 3rd June 2008, 12:45

No he is working but has three kids and just moved house. i.e. rented accommadation. With the deposit, van hire, 1st months rent e.t.c. hence can not afford one off payment.
They have added no charges yet.

babybear39 · 3rd June 2008, 12:51

DO NOT let him phone to make payment with a card as some DCAs are known to take whatever they want whenever they want when they have your card details

Also DO NOT let set up a DD. SO is ok as he has control but with a DD, they can take what they wish.

Good luck and best wishes.

PGH7447 · 3rd June 2008, 12:55

Make em work, send cheques

smithy73 · 3rd June 2008, 12:56

OK thanks again for the advice.

regards,

Smithy.

babybear39 · 3rd June 2008, 12:57

Quote:

Originally Posted by PGH7447

Make em work, send cheques

Better still, postal orders, then they have no banking details

summer30 · 3rd June 2008, 12:57

£20 will apy it off in no time, tellhim to just pay it into their account, or send them cheques they will get processed and i can almost gaurantee this will shut them up.

smithy73 · 3rd June 2008, 13:02

OK. Advised him to send chq. with financial statement and cover letter explaining current situation and payment proposals by recorded delivery direct to telephone company.

Cheers guys.

babybear39 · 3rd June 2008, 13:06

You're welcome, that's what we're here for

babybear39 · 3rd June 2008, 13:10

Thanks for the rep. comment

smithy73 · 3rd June 2008, 13:13

No problem, credit where credit is due.

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