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just advice plse


frazer85
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FIRST

 

NEVER EVER SPEAK TO THESE PEOPLE ON THE PHONE. THEY WILL TRY TO GET YOU TO AGREE TO ANYTHING.

 

The first thing you should do is establish whether these muppets have proof of the debt and proof of their right to collect on it. This is simply done by sending them a CCA request along with a £1 postal order. Once they prove the debt exists and they have a legal right to collect then you can agree a payment plan that suits YOU.

 

Creditors and DCAs - Letter Templates & Budget Planner letter N

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DO NOT CALL THEM!

 

Write to the address on the letter they've sent requesting your CCA (consumer credit agreement) and statement of account. This will establish thier right to collect any alledged debt.

 

Use this template letter:

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY

 

YOUR ADDRESS

DATE

 

 

THEIR ADDRESS

 

Dear Sir/Madam

 

Re:− Account/Reference Number XXXXXXX

 

With reference to the above agreement, we would be grateful if you would send us a copy of this credit agreement.

 

We understand that under the Consumer Credit Act 1974 (Sections 77−79), we are entitled to receive a copy of our credit agreement and statement of account on request. We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. This payment is NOT to be paid used for any other purpose.

 

We understand a copy of our credit agreement should be supplied within 12 working days.

 

We understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

 

We look forward to hearing from you.

 

Yours faithfully

Mr A N Other

 

...adjust to your needs, enclosing £1 postal order (keep record of PO number) and send recorded or special delivery.

 

Hope this helps.

 

Good luck and best wishes,

 

BB

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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many thanks matei think that it is just the in house debt collecters but do not want them at my door so wanted it sorted a.s.a.p

They have NO legal right to appear at your door. If they do threaten a doorstep call there is a vey simple letter to send to stop them in their tracks

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At the very least you need to see a statement of the account to establish if there are any unlawful/unreasonable charges on it. It's always best to establish thier right to collect as well which the CCA request would achieve.

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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As the other guys have said, you should NEVER just pay up without establishing that they are collecting lawfully.

go through the CCA procedure first, then, IF the debt is enforceable, set up a payment you can afford - but do it all in WRITING, NEVER on the phone.

 

You'd be surprised how often these debts are unenforceable - just spend a bit of time reading a few other threads....

 

;)

Barclays (2 accounts) WON

Lloyds TSB (Daughter's) WON

 

Cohen's: WON (discontinued)

DLC: Given up, gone away.

Eversheds: Trying!

Equidebt: In default

Intrum J: Return to OC

iQor: Stopped paying.

Link: In default.

ScotCall: Return to OC

Thames: Stopped paying.

 

 

I am NOT a legal or financial expert. There are many CAG members and staff who are better qualified. Please do not make major decisions based on my advice alone.

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