Jump to content


Private eye costs


drizztdourden
 Share

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5123 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi,

 

I had been paying an old debt back at £25 a month for some time. I then changed jobs/banks and subsequently forgot about this debt for a couple of months. Apparently the solicitors collecting the money wrote a letter, which again I must have mist. However, then then sent a man to the house who asked my wife if I lived here. Naturally she said yes and with that he left.

I didnt think anything of it but by coincidence remembered about the debt and phoned the solicitors up and arranged to resume payments. By my reconing there was about £250 left to pay so only 10 more payments..Oh no they said we have added nearly £500 to the bill as we had to pay for a private investigator to confirm you still lived at the address you had given us...

Is this perfectly acceptable practice and its just me that this its way way over the top. As I now have a debt of £750 instead of £250. Are debt collectors etc allowed to just add whatever cost they deem neccesary and just add them onto the bill?

 

P

Link to post
Share on other sites

That's not acceptable, and is against OFT guidelines.

 

Losing your home: OFT debt collection guidance

 

Charging for debt collection

 

 

Charges should not be levied unfairly. Examples of unfair practices are as follows:

  • Claiming collection costs from a debtor in the absence of express contractual or other legal provision
  • Misleading debtors into believing they are legally liable to pay collection charges when this is not the case, e.g. when there is no contractual provision
  • Not giving an indication in credit agreements of the amount of any charges payable on default
  • Applying unreasonable charges, e.g. charges not based on actual and necessary costs
  • Applying charges which are disproportionate to the main debt.

Applying a £500.00 charge to a £250.00 debt is completely unreasonable!

 

Regards, Dave.

  • Haha 1

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

Link to post
Share on other sites

You are still living at the same address and are on the electoral register why do they claim they need a private detective to confirm information which is in the public domain. Would YOU spend 500 quid to recover 250 quid.

Link to post
Share on other sites

They could have written to the occupier, your address, to see if you do infact live there. This is an unfair charge , as the guys have said.

WARNING TO ALL

Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

Link to post
Share on other sites

Personally I think they are trying it on. In the unlikely event that this ever went to Court the greedy barstewards would have to prove they made a £500 outlay and I doubt the man at the front of the Court would make little boys out of them for their apparent GREED

Link to post
Share on other sites

£500!!! They are having a laugh. I would suggest that this work would have been carried out by an enquiry agent for £50 max. If there are potential clients out there who would pay £500.00 for an occupancy check, please email> Don't need too many of those a month!!!

Link to post
Share on other sites

I have to admit I did think it rather steep meself.

I shall send them an SAR and then take it further once they have responded. Yuod have thought that as a firm of solicitors they would know what is and isnt acceptable, but then again they are probably hoping I don't question it and just pay.

Cheers for replies, youve all just confirmed what I had a suspicion about.

 

P

Link to post
Share on other sites

Why waste a tenner on a SAR ?!

 

Paste the OFT guidance into a letter and tell them if they don't remove the charge that you'll be complaining to Trading Standards and making a claim against them to the FSO.

 

Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.

 

FAQ's

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

 

Trying to stop smoking?

http://www.consumeractiongroup.co.uk/forum/give-up-smoking-here/

 

A dummies guide to the forums

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

--

KEEP WILDLIFE IN THE WILD

http://www.bornfree.org.uk

BORN FREE FOUNDATION

--

Link to post
Share on other sites

A solicitor probably never saw the letter let alone signed it, You didnt say who the solicitors were but sounds to me like an in house DCA shower. Go with DMDS advice and see what shamblic response they come up with

Link to post
Share on other sites

Well, to say gobsmacked would be an understatement.

I thought Id try phoning them first....got through to a young lady..I asked as to why they had added such a large amount to the bill and what the justification was for it. She said 'hang on' and went away.

Next thing I know a chap has taken over and is apologising for the mistake?? He confirmed that the outstanding balance is as it should have been with no added charges, and he would send me a letter in the post to confirm outstanding balance. He didn't even put up a modicum of a fight.

I wish Citicards were so understanding about refuding my charges!

Cheers guys, I couldn't have hoped for a better result!

P

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...