The true scale of fees being charged by the various collection agencies appears to be grossly high. Let me use CAG's example of the parking fine. Fine cost £120. A visit paid by the collection agency £500.00. Someone is using the current rules and regulations to, on the face of it, extort money from people who can least afford it. The wolves operating in the enforcement sector need to be reined in and not just given a rule framework to operate within but carefully worded legislation so that the fees that are charged are fair and that are truly representative of the actual costs of sending an agent to someones address. Any fee charged in whatever sector of employment should be commensurate with the level and type of service provided. In the case of collection personnel the level of pay need not be more that the national minimum rate. Should they wish to receive a higher salary then perhaps a professional examination, nationally recognized, could be devised before such personnel begin to operate. This is only an opinion.

Just a little advice to those suffering from debt problems. The use of a telephone should be avoided when responding to debt collectors or their agents. They record what you say and may use information that you gave but did not mean to give against you at a later date. The chances are you will forget what you said to them whilst they can recall what you said putting you on the defensive. Only respond in writing. You will have the opportunity to keep a record of what you said in your letter for later referral and you will have had time to think of what you wanted to say in the first place. If they call you by all means don't be obstinate and do be polite.

All the best to you all

APW

I agree that it is not right to overcharge those unfortunate enough to not be able to pay these debts and these outrageously high fee's can only make there debts worse.

I am lucky that I have no debts now but have been in that position several years ago, when we were reduced to living of Beans on toast, and going without other necessities, it came close to breaking up our family, I would not wish that on anyone.

I bought a R reg Clio ( the old model ) in March this year, Great little runner, however have noticed in the recent warm weather, that the little minx does stall at times, i put this down to myself not controlling the revs and clutch good enough, my partner does'nt have the same problem with the Escort. nor do i when i borrow it, i have also noticed that when i 1st use the car in the morning, the 1st time i brake, i hear a slight scraping noise, this i have had checked at kwik fit, and i'm assured nothing is wrong with the brakes etc. another thing that bafflied me. but all said and done, i find the clio a great little car, great for the city where i live and good on fuel consumtion.. Keep hold of the car, as it wont lose much in value.

Yes I replaced my brake disks and pads, with cheaper ones, and min makes that noise after a wet or damp night, it is only for the first few times brakes applied, then alright for the rest of the day, I just asume it is getting rid of a light coat of rust. I hope this helps you, but no need to worry.