I will keep a log of all the calls I can. Even though I leave the answerphone on permanently when I'm not around the DCA does not leave a message so I can only find out who the last caller was with 1471. I check the caller identity before I answer any calls when I am at home and often the caller shows as 'private' or 'number unavailable' so I can log those too but some of these calls may not be from the DCA. I have used who calls me, it is very useful and leads to me discovering forums related to the DCA. I will continue paying the reduced figure through Paylink and will not enter into any discussions with any creditor. Maybe one day I will have a good income and can make an offer to pay off all my debts. I will ensure I keep to the negotiated schedule of payments for the electricity to keep on top of that. Thanks and regards S

I remembered it isn't Nat West (Rovburghe now possible DCA) that debt was one of the ones that was cleared, it was Nationwide credit card. It would be helpful if every time a debt was sold on we could be informed who we are supposed to be dealing with. It's a bizarre concept that these debts are passed on and we are not informed by the original debtor we will be dealing with or by their successor as the new DCA doesn't inform us of the change either. As the debt get sold on I get a flurry of phone calls from 0800 numbers and withheld numbers but I don't answer any of these and as they don't leave a message (1571 always on) I can't be certain who makes the call. I can log all these calls but if I can't prove who is calling it may not help me stop them. Thanks for your time and effort, I really do appreciate your advice. S

Hi I'm not sure who the DCA is at keeps phoning me as I never answer unknown calls, probably Roxburghe. I think Roxburghe is to do with a Nat West bank account. It went into the red because they cashed a cheque and charged me £38 which took me over my overdraft facility and of course the problem got compounded and I stopped using the account. I have got a payment card for the electricity so I can pay a fixed amount twice a month as arranged and keep on top of the bill. By the end of the summer it should be virtually nil balance and I will then set up a direct debit again. I gather you approve of my decision to reduce my Paylink standing order so each of the 6 gets £1? Thanks S

I have tried to make sense of the Paylink statement but without relevant information from them it's difficult to follow the history. It appears there are now only 6 debts out of the original 10. And one company, Roxburghe, have taken over one of these 6 very recently and are receiving £4 per month while 4 are receiving £1 and 1 gets £2, making up the £10 total. On the statement it says the £4 to Roxburghe has been 'agreed' I don't know who agreed this but I certainly didn't. My original offer was all 10 were to get £1 each. Paylink have never contacted me asking about my financial circumstances to see if I still have £10 disposable income per month. As I have a rather 'large' electricity bill after this harsh winter I need to pay a little more towards that. I have decided to reduce my direct debit to Paylink to £6 per month then they can do the initial agreed distribution on £1 to each. I intend to carry on with this arrangement as I'm not disputing the debts and may even be in the position one day to make them all a reasonable offer in full and final settlement. I did consider making direct debit payments individually to each without going through Paylink but I see on the statement one company does not have a bank account number or sort code. 2 of the 6 are not the original creditors. Please an you clarify that if a debt is sold on that the original creditor no longer receives any payment from me and that it goes to the DCA? Thanks for you r help and if there is any more information I can give you please let me know. Regards S

Thank you very much. I'm going to print all the documents that have arrived and will try and work out who bought what debt. I haven't a clue where Roxburghe came in. Regards S

I have just received the statement from Paylink and it appears I have been paying Roxburghe International £4 per month (I need to go through all the pages to see for how long). As none of my creditors was allocated more than £2 per month I don't understand how this came about. I do appreciate the time and attention you have given me so this latest info is for feedback for you. Regards S

I have already contacted Paylink and will do as you suggest to SAR Sainsbury. When I have confirmation of how much of the £10 is being allocated and to which creditor I will reduce the SO correspondingly. I really appreciate the help and advice you have given. Regards S

Thanks once again. I will contact Paylink yet again and ask for/insist on a full statement accounting for all money paid to them so far. The 2 credit card companies send regular statements of accounts so I'm happy for this arrangement to carry on. If Sainsbury is still getting paid too then that is one less concern but I haven't had any contact from them since they sold the debt on many DCAs ago. I had presumed when they sold the debt the payment to them would be transferred to the DCA. From my understanding now R Way can be ignored?,

Thanks for such a quick response. I have tried every way I can think of to contact Welfare Rights( including the guy who was my 'agent' there), even hand delivering a letter but no response. I'm not paying the £10 to Welfare Rights, it goes to Paylink who in turn distribute the money to the creditors. Paylink send me statements when I ask for them but when I speak to them they tell me to contact WR for any information about them. So I go in circles. I keep paying the £10 per month to ensure that if any DCA comes after me (legitimately) then I can't be taken to court because I'm adhering to my contract with Paylink. As far as I can see I have 2 original creditors left, both credit cards, who are listed on the all the Paylink statements. They both contact me once a year to ask if my circumstances have changed, which they haven't, so I inform them and they carry on accepting the nominal payments. It seems only 1 debt (Sainsbury loan) has been sold on and now with R Way. I was wondering if Sainsbury still get the £1 per month or does R Way now get it? I presume R Way are getting the £1 per month, if so then I shall carry on ignoring them as as they are getting paid and I have no intention to change the current arrangement set up by WRs. The other 2 are content with the current arrangement so once again I would prefer to leave sleeping dogs lie. Although I would prefer to know that these 2 were getting an increased amount from the £10 (such as £5 each and get rid of R Way) as they have never given me any distress. I don't want to make any contact with RWay, thereby acknowledging their interest. I really don't want the hassle of renegotiating with anyone personally because of health issues. I would be happy for Welfare Rights to do so but I can't make any contact. I did wonder what would happen if I did stop the standing order and waited for the 2 creditors to contact me, if they would consent to a private arrangement on the same terms i.e. I pay the £10 per month directly to them but split between them.

Hi I've asked this question a few times before but never had a response which may be because no-one knows the answer. I'll try again just in case someone has now got some information. Welfare Rights negotiated with all my creditors on my behalf, 10 in total. 6 were getting £1 per month and 2 were getting £2 per month all paid by one standing order through Paylink. Some creditors were paid off quickly as amounts were so small. My last Paylink statement shows that only 2 are the original creditors and they are the only 2 who contact me on a yearly basis to ask if my circumstances have changed and always accept the agreement will carry on as originally negotiated. One debt has been sold on many times e.g to Cabot and now Robinson Way who are harassing me and threatening a home visit. As I'm still paying £10 per month originally agreed and only 2 creditors and Robinson Way are making themselves known so where is the remainder of the £10 going? To the original creditor who RWay bought the debt from or the 2 creditors left in the loop receiving more than £2 each? I have tried many times to contact Welfare Rights but I think they may have closed down. Thanks for reading.

Thanks to all! I will follow the advice. Could I just ask who my debt is now with. Sainsbury's, Cabot or FIRE? Regards Sina

Hello Deb The company is FIRE - Financial Investigations and recoveries (Europe) Ltd who have asked me to 'make a reasonable offer'. But underneath their address is Client -Cabot Financial Group Original Lender-Sainsbury's Original Ref *******632 "Despite repeated requests for payment, you still owe our client CFG ......etc Does this help? I am already bombarded with phone calls but it's a recorded message not a person. I don't answer but the call leaves a message each time which fills up my answerphone capacity. Thanks Sina

Thank you very much for the information Dicky. I will definitely follow your advice. I'm so impressed with the quality of information here but mainly the quick knowledgeable advisor Silverfox and now you. Regards Sina

Hello Siverfox Thank you so much for a very comprehensive reply. I will do what you suggest first thing tomorrow. I can't see any clues in the letter to say whether the debt has been sold or whether the DCA is acting on Sainsbury's behalf. From the tone of the letter I would make a wild guess they have bought the debt. Could I just clarify the following questions you asked Was this account ever defaulted? Was this account ever terminated? Did you receive a notice of Assignment of the debt? What do you mean by the account 'being defaulted' or 'terminated' other than I was no longer able to keep up the repayments hence going to WR to negotiate a payment I could afford? I presume receiving notice of assignment of the debt refers to informing me it being handed over to the DCA? I can record the phone calls if I phone the DCA. If I answer the DCA calls they are just recorded messages telling me to phone a number which I will not do because it will be at my cost. The reason I did not respond to this company is because I'm still paying the same monthly amount (consolidated through Paylink) and if one of the creditors has taken themselves out of the arrangement then I consider it their choice. That also brings up another issue, what happens to the payment allocated to the Sainsbury debt? Could you tell me if this amount then goes to the other companies? Thank you once again for this help, it is more than I could have hoped for. Regards Sina

Please can anyone advise me. I had a debt to Sainsbury's Bank and some as well as some other debts. Welfare Rights negotiated with all of them on my behalf and I pay monthly by direct debit to repay them. Over the years I have always paid the correct amount and on time. During this period a couple of them have contacted me and I have provided them with information about my current financial situation and they have accepted the payment WR originally negotiated to carry on with the same arrangement. It appears Sainsbury's have sold the debt on to a very aggressive collection agency without informing me and not llowing me to renegotiate terms. This company phones me every day including Sundays and if I don't answer the phone they leave a recorded ...well I was going to say message....but it's garbled version of my name each time and nothing more. I now have to check my phone on a regular basis to clear these 'messages' as they fill my answerphone capacity and people who I do want to contact me are unable to leave a message. Firstly, what is my responsibility to this 3rd party regarding the debt and secondly what are my rights about their constant phone calls and letters which are harassment? The letters are asking me to pay the debt in full or to make a reasonable offer. There is no way I can pay off this debt and would be quite happy to stick to the arrangement made by WR to pay these debts on a monthly basis. Thank you in anticipation Sina