Thread: Payment problem

Surely DCA's don't tell lies to make sure they get their payment. Its no good talking to these people on the phone, you really do need to get everything confirmed in writing.

I would just pay the next payment when it fell due and if they start phoning and threatening I would send the Telephone Harassment letter.

Kind Regards
Bigandy

Originally Posted by 2Grumpy

My son has an arrangement (made using CAB) to pay a credit card debt.

He pays monthly, but a few months ago when he was unable to pay (we were getting lots of calls) I made one payment. I wasn't sure of the amount or when he could pay next, so I asked if I overpaid, it would be taken as his next payments. They said yes (otherwise I wouldn't have paid). When they started calling the next month, I phoned the DCA and they said that overpayments are taken off the balance and they still expect the next payment according to the payment schedule.

Has anyone else had any experience of this?

LEt's look into this a little more.. Who are the DCA, do they 'own' the debt, have you sent them a CCA ?

First NEVER talk to these "people" on the phone as they will try and get you to agree to anythin.

Before you even think about making any sort of acknowledgement or payment to a DCA you MUST ensure that they have the LEGAL right to collect the debt.
This is achieved by requesting a copy of the Signed, Excuted Credit Agreement via a Consumer Credit Act (CCA) request.
There is a template letter to be found here: http://www.consumeractiongroup.co.uk...templates.html
Letter N.
Is it important to start the letter:
I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY in Big Bold letters.

It is best to send this request via recorded/special delivery as there are some inportant deadlines to observe.

After 12 WORKING days the "debt" is in default and stays that way until the request is complied with.
If a FURTHER month passes then the DCA has commited a summary criminal offence and the matter should be refered to Trading Standards for action.

I hope this clarifies some things.A