Thread: Am I paying before I should??

Hi
I have been trying to pay off debts over the last 2 years to a selection of DCA's and door collctors. I have found this site when I was looking to reclaim my bank charges which is well under way.

Have I misunderstood or if a DCA is requesting payment I can ask them for a copy of the agreement as in the template letter, if they don't comply what is the situation. I have recently been approached by lowell for payment and although was going to pay them £100/month I have seen no documentation to substatiate their request. I am also paying Conaught Collections but I think I should have asked them too.

Please can you advise. Sorry if I've missed this on the forum somewhere but I have looked.

Thanks

Jo

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you ask for the originail or a copy depending on which template you use, they have 12 days to produce after that any demand for money is i think uneforceable ? its either 12 or 30 days have a look around the general debt section under lowells theres loads of good advice poeple in similiar situations to you .

I have set up a DD to pay the £100/month to Lowells, should I cancel this until I have recieved the information? Am i entitled to a list of the charges and which of these do I have to pay?

I am currently paying £40/moth to Connaught, should I carry on paying this or again cancel until information is received.

Thanks

Don't cancel untill you are sure!

If they are in the wrong you can get it back anyway.

I can't find any paperwork from Lowells so I have got no numbers to refer to, I haven't started paying them anyway so if I cancelled that one at least they will write again so i have got something to refer to.??!!

Connaught are collecting on behalf of 1st credit should I write to 1st credit or connaughts?

Originally Posted by sparkle51

Hi
I have been trying to pay off debts over the last 2 years to a selection of DCA's and door collctors. I have found this site when I was looking to reclaim my bank charges which is well under way.

Have I misunderstood or if a DCA is requesting payment I can ask them for a copy of the agreement as in the template letter, if they don't comply what is the situation. I have recently been approached by lowell for payment and although was going to pay them £100/month I have seen no documentation to substatiate their request. I am also paying Conaught Collections but I think I should have asked them too.

Please can you advise. Sorry if I've missed this on the forum somewhere but I have looked.

Thanks

Jo

Hi Jo,

By all means send the CCA letters off to your creditors, don't stop paying though. The liklihood is they will end true copies of the agreement to you then you'll have to catch up which will make things worse.

Contact CCCS (CCCS -) or payplan and discuss with them a way of recuding your monthly outgoings to these debts if you are struggling.

Manage the debts first...

Karne
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