Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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Last Will and Testament Kit


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BAILIFFS - The Law and Your Rights

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.

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Thread: Pcn

  1. 30th September 2008 00:23 #1
    Agathachristie Agathachristie is offline
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    Default Pcn

    I got some old pcnicon that are already with the debt agency. If I decide to pay the council direct the original sum, does the council have to take my cheque or can they refuse and tell me to pay the debt collectoricon?
    Thanks for your answers.

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  2. 30th September 2008 01:41 #2
    dx100uk dx100uk is online now
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    Default Re: Pcn

    this depends if the DCAicon has brought the debt or not

    dx

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  3. 30th September 2008 22:16 #3
    Agathachristie Agathachristie is offline
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    Default Re: Pcn

    Can you explain that please? My concern is when I keep paying the debt agency back then they get their fees first and then the original amount. If I question the fees then its more difficult for me I think. Rather they chasing me up for their fees (If I pay the council directly).

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  4. 1st October 2008 00:18 #4
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    Default Re: Pcn

    Hi AC,

    Moving this to Parking/Traffic Offences forum.

    You should get the right answers here.

    Link 1. OFT Debt Coll'n Guide - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf
    Link 2. Checking your credit Agreement - http://www.consumeractiongroup.co.uk...greements.html
    Link 3. Interest Tutorial - http://www.consumerwiki.co.uk/index....erest_Tutorial
    Link 4. OFT Guide re s.78 CCA1974 Requests - http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT1272.pdf

    Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.

    If I've been helpful, please click my scales.
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  5. 1st October 2008 00:32 #5
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    Default Re: Pcn

    Quote Originally Posted by Agathachristie View Post
    Can you explain that please? My concern is when I keep paying the debt agency back then they get their fees first and then the original amount. If I question the fees then its more difficult for me I think. Rather they chasing me up for their fees (If I pay the council directly).
    you say the debt is with a debt agency, you also say the debt is old.
    IS it with a debt agency [DCAicon] or with bailiffsicon?

    if it is with a debt agency, you need to know if they have brought the dent outright [as it is 'old' it could be so] or id the DCA are acting on behalf of the council in collecting the debt.
    if it is the latter , then pay the council direct.
    if it is the former, then, no you cannot pay the council as the DCA has brought it as it is an old debt.

    however, DCA's dont add charges [sic] so are these bailifficon charges?

    dx

    GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
    Credit Reference Agencies:Experian Equifax CallCredit <<<<CRA FILE INFO IS HERE<<<<

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan & Credit Card Charges Read Here
    4. The CAG Interest Tutorial Read Here
    5. Feel Bullied by Creditors or Debt Collectors? Read Here
    6. Staying Calm About Debt Read Here
    7. Thinking of a Full & Final Settlement? Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
    rather than hittting to be my friend - hit the star
    DX
    Siteteam
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  6. 4th October 2008 17:03 #6
    Agathachristie Agathachristie is offline
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    Default Pcn

    Quote Originally Posted by dx100uk View Post
    you say the debt is with a debt agency, you also say the debt is old.
    IS it with a debt agency [DCAicon] or with bailiffsicon?

    if it is with a debt agency, you need to know if they have brought the dent outright [as it is 'old' it could be so] or id the DCA are acting on behalf of the council in collecting the debt.
    if it is the latter , then pay the council direct.
    if it is the former, then, no you cannot pay the council as the DCA has brought it as it is an old debt.

    however, DCA's dont add charges [sic] so are these bailifficon charges?

    dx
    It's bailifficon charges. I did send a cheque to the council directly.
    What about prove of the bailiff charges? (visits, letters)

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