DCA problem

[tiaposy]

I owe some money to Direct save Telecom. I am not disputing I owe them, just the amount, which if they answered my first letter in September, would not have ended with the cancellation of services (phone/broadband). The last statement we recieved was in November and we have not had any letters since then

I wrote to them again on Wednesday but this morning I have recieved a letter from a debt collection agency. The statements I have total £430 but the DCA want £1300!! (in 1 week!)

I know I did not sign a credit agreement and have never had and terms & conditions for this. Does this mean I can write to the DCA and ask for a copy of the (non-existant) agreement. Also, the account is in dispute so surely they shouldn't have sold the debt on?

Any help much appreciated

[PriorityOne]

Unfortunately, an account isn't "in dispute" just because you say it is. As this one won't be covered by the CCA Act, you need to write to the DCA (recorded delivery) asking for a breakdown of the amount that they allege to be outstanding. Do not do this over the 'phone and if they try to get hold of you by 'phone, hang up.

 

In writing only.

[MrSensible]

in addition, pay the £430 you dont dispute immediately.

[clutchingatstraws]

As P1 says, in writing only, almost certainly these people have added unlawful charges and will try to trick you with an unbelievable 50% reduction.

 

 

I know its difficult but don't worry about meaningless threats establish what you genuinely owe then offer to pay back at a rate you can afford.

 

Post up for further advice.

[tiaposy]

Should I write to DCA saying I do not acknowledge any debt to your company and try to deal with the telecom co. I did write to them twice and they never replied - no final warnings, letters etc. I think they are being a bit quick with this.

[tiaposy]

how can I prove the charges are unlawful and I don't even want to pay the £430 as I was disputing the amount with the telecoms co.

[clutchingatstraws]

You can SAR them or ask for a full statement of the account.

[tiaposy]

Thanks for everyone's help on this. I rang the telecoms co. who said they had recieved my letter in Sept but had done sod all with it! I have agreed amount of £350 & will be sending them a chq.

[clutchingatstraws]

Whoa

 

Make sure you get this in writing and that it will satisfy the account in full.

 

Before the cheque is written.

[tomterm8]

I absolutly agree with clutchigatstaws, it must say "full and final settlement".

 

at the minimum, make sure you write on the letter it is for payment in full and final settlement, attach the cheque to the letter, and photocopy both.