Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hi
I wonder if someone could give me a bit of advice as to what I should do with this query I have.
Last year I started getting letters from Red debt collection services re a T-mobile contract that was not paid. This was for an account in my name but used by an ex partner so I know that I do owe this money.
Ive had numerous letters back and forward pay up or court action will be taken, these are the fees that you will incure etc etc. The letters have been from firstly red debt collection and then Hamptons Legal. I have ignored all letters but this morning I received one offering me the settlement figure basically half the price. So my debt was for £174.03 and now they will take £87.03 as final payment. So my question is should I just pay up now or carry on ignoring them?
Many Thanks
Jane
Yes ODC by passing it around their own companies they make it look like the claim is being escalated to outside lawyers who then, if not paid, will issue proceedings
Yes ODC by passing it around their own companies they make it look like the claim is being escalated to outside lawyers who then, if not paid, will issue proceedings When in actual fact its the same sh** sorry nonsense on different notepaper sent by the same ZX80 computer.
Even if that's the case, remember that the onus is on Red (or whoever) to prove that an enforcable debt exists - it's not your job to prove it doesn't.
Barclays:WON!!! It took four months but was totally worth it!
Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
Elephant.co.uk: VICTORY - they admitted there was no debt!
Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!
<--- If I've been helpful please remember the scales
Rubytuesday. Sometimes ignoring these muppets is often the best policy but Lowells have recently started issuing Statutory Demands like confetti. You cannot afford to ignore a Statutory Demand even though in my opinion Lowells are abusing the process. You can always ask them to prove that they have a legal right to be chasing you for the debt. Remember they MUST prove a debt actually exists and they have a legal right to collect it.
Send them something like this
Dear Sir/Madam
You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.
I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).
I am/we are familiar with the Office of Fair Trading debt collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.
I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.
Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.
I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.
I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.
Hamptons Legal/Red Debt collection services
services re a T-mobile contract that was not paid. This was for an account in my name but used by an ex partner so I know that I do owe this money.
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Originally Posted by JonCris
. They probably think MS Word is what you utter when you open you mouth
