Ooh ok haha Ty for mentioning

Hi everyone, Just to let you all know, I contacted Halifax directly and asked if I could setle the account with them directly and bypass NCO, they are sending me a settlement letter and as soon as I pay them they will close the account and satisfy my CCJ - it's such a relief to know I no longer have to deal with NCO! In one 10min phone call to Halifax the whole mess was resolved. Should I still report Nco or just walk away as soon as the debt is settled? Thanks

Exactly Rory - it is a CCJ debt so I deffinately have to repay it - paying it isn't the problem, nco is the problem... I'll write and get that CCA though, I think I'll phone Halifax and see if I can pay them direct aswell. Thanks for all the info

The debt ended up with Nco after I got a ccj on the original debt because I missed a repayment - I set-up repayments to the court and assumed all was ok.. then suddenly I got this letter from Nco saying I owed them the money and not the court - I was suspicious and refused to pay them until I knew who they were.. I contacted the court and they said they had been using my repayments to pay the court fee's and not actually sending it to halifax where the debt originally came from... therefore halifax assumed that I was still not paying the debt and hence sent Nco after me. The court told me to pay Nco and stop paying the court - so that's how it all started. The debt with Nco is about 3yrs old now.. the original debt is much older (I'm older and wiser now and trying to sort my youthful rebellion mess out!) - the only agreement I've ever recieved from nco is one stating the repayment agreement of £10 pcm. I am happy to repay the debt, I want it sorted out, my concerns are that Nco just arn't professional and I'm concerned to give them a large sum of money when they don't act professionally, irrespective of how I ended up with the debt in the first place. They don't have my cc details, just my bank details for the DD... I wondered if I could bypass Nco completely and pay Halifax directly... I don't know much about how all this works...

*moved from another thread* Hello - I'm new to the forum, found it while looking around for any info re; Nco and their continuous calls... so here I am . I had a debt refered to Nco several years ago now, they set up a minimum payment of £10 pcm as I was on a low income.. this stayed the same to-date. Last yr I was in a position to pay a fair amount off the original debt and attempted to contact them to no avail - 6 months later (after moving house and obviously having to dip into the saved stash) Nco decide it's time to start harassing me. Over a week I probably get approx 10 phone calls to my home number which we duely answer - but no-one is ever on the end of the phone, it's just dead - I get the same amount to my mobile too. I spoke to Nco and asked them to stop calling me and all I got was 'Well it isn't me calling you maam' and the guy hung up on me! About 2yrs ago I went to CAB about Nco as they took more money from my debit card than they had permission to take - but nco refused to refund it saying they would -use it as a voluntary payment towards my debt-, at that time CAB requested that Nco should only contact me via post and that they should also provide me with monthly or quaterly statements to show how much the debt was decreasing by - I've never had any statements from them at all, so no clue how much I still owe without taking their word for it, frankly I don't trust them one bit! But I do owe the money and can't risk bailiffs knocking on my door. The latest from Nco is a letter saying they have used their 'Investigators' and found that I'm living at my current address and that the debt is still unpaid and I must pay it in full immediately to avoid their 'field force' coming to collect all outstanding monies? It was me who gave them this address when I moved house, they didn't investigate it at all!! Also I pay them by direct debit every month, so I have no clue why they are even bugging me, it's not like I'm not making an effort, I've paid them religiously! Presently theyre offering me a 25% reduction of the total debt if I pay in full, I asked them to put that in writing before I pay it... I am awaiting the written confirmation at the moment, but still Nco are pushing me to pay by credit card even though it's my choice to pay by giro slip into a PO or to send a cheque...... I'm concerned that I wont get any proof from them that the debt has been settled, any idea's of how to tackle them? They're boring me stupid! Thanks

*Applauds* I'll copy/paste my original post to a new thread thanks

Hello - I'm new to the forum, found it while looking around for any info re; Nco and their continuous calls... so here I am . I had a debt refered to Nco several years ago now, they set up a minimum payment of £10 pcm as I was on a low income.. this stayed the same to-date. Last yr I was in a position to pay a fair amount off the original debt and attempted to contact them to no avail - 6 months later (after moving house and obviously having to dip into the saved stash) Nco decide it's time to start harassing me. Over a week I probably get approx 10 phone calls to my home number which we duely answer - but no-one is ever on the end of the phone, it's just dead - I get the same amount to my mobile too. I spoke to Nco and asked them to stop calling me and all I got was 'Well it isn't me calling you maam' and the guy hung up on me! About 2yrs ago I went to CAB about Nco as they took more money from my debit card than they had permission to take - but nco refused to refund it saying they would -use it as a voluntary payment towards my debt-, at that time CAB requested that Nco should only contact me via post and that they should also provide me with monthly or quaterly statements to show how much the debt was decreasing by - I've never had any statements from them at all, so no clue how much I still owe without taking their word for it, frankly I don't trust them one bit! But I do owe the money and can't risk bailiffs knocking on my door. The latest from Nco is a letter saying they have used their 'Investigators' and found that I'm living at my current address and that the debt is still unpaid and I must pay it in full immediately to avoid their 'field force' coming to collect all outstanding monies? It was me who gave them this address when I moved house, they didn't investigate it at all!! Also I pay them by direct debit every month, so I have no clue why they are even bugging me, it's not like I'm not making an effort, I've paid them religiously! Presently theyre offering me a 25% reduction of the total debt if I pay in full, I asked them to put that in writing before I pay it... I am awaiting the written confirmation at the moment, but still Nco are pushing me to pay by credit card even though it's my choice to pay by giro slip into a PO or to send a cheque...... I'm concerned that I wont get any proof from them that the debt has been settled, any idea's of how to tackle them? They're boring me stupid! Thanks