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    • Very good, BN.   I did read earlier that one of the Scottish scientists said measures in Scotland are starting to work but that there's a way to go.
    • lets cut to the chase, HB,  Christmas is Cancelled,  it already is by the Wee Nippy in Scotland it seems, where she is talking of a Zoom Christmas. so record a parody Christmas song.  Zoom Christmas a parody of Bing Crosby White Christmas I might just do that today Fire up the DAW plug in the mic
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    • I'm trying to understand the whole story.   However it would help if you would identify the companies you have been dealing with
    • @honeybee13I genuinely think Boris is confused about what to do. Economic disaster v even more unexpected deaths.    The big problem with this virus is that many people have very mild symptoms or no symptoms at all, but can still pass on the virus to others.    And with winter bugs having some similar symptoms to CV-19, there are probably thousands in workplaces with CV-19 who just don't know they are risking others lifes.   If Government are going to lockdown the country for a period, it has to be really strict and that includes schools and Colleges.  They should have done this in a planned way around the half-term period.   
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      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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Really dont know where to put this thread.

 

All I need to know is ho owns my debt?

 

I have 2 outstanding bills with 3 mobile. They must have sold the debt on to Moorcroft and DLC. I had the usual threatening letters from them demanding payment. I CCA'd them. No response.

 

This morning, I had bills (after no bills from 3 for about 3 months) from 3 asking for the exact same amount the the DCA's were asking for.

 

Who exactly owns this debt? According to 3, if I pay the DCA's, they will pay 3. But I told 3 that the DCA's bought the debt from you anyway, so if I pay 3, you will be getting the money twice.

 

What should I do and who should I pay? Any advice?

 

Thanks

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If you intend to pay without argument and if you can Pay 3, then do so, at the very least you will be depriving one of these bloodsuckers of their commission

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

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The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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It would be worth pointing out to 3, that if they are incapable of sending you a statement for several months, then how on earth do you know how much you owe them.. try it, it might work.

 

Are you sure that the amount demanded by the DCA is the final amount you owe to 3? The DCA would have put their "commission" on it, and the amount that 3 said, should be less that.

 

I would ask for the missing statements, so you can check.

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Hi.

 

I know that if DLC are chasing this balance then they don't 'own' the debt and they will be working the debt on behalf of the creditor, known as commision.

 

I am unfamiliar with the other DCA, have you spoken to them to ask who actually owns the debt? I would advise write a letter and send a cheque to 3 direct with payment.

 

Hope that helps and all the best!

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I would do as SH said and pay 3 direct take DCA out of loop.

They miss out on any commision and it drives them crazy when you do it.

I did it with 1st Crudit a while back and just paid BT direct, 1st went apesh*t

but debt got paid..:D

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Thanks for our responses.

 

I agree, I shall pay 3 direct and let DLC sit there and steam!

 

Going back to what slideshowbob said, that was my biggest problem. I didn't want to pay 3 if DLC had "bought" the debt from them, in essence paying 3 twice. But then I would rather pay 3 than any DCA.

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Sending a CCA Request to a telecoms service provider is pointless, as one won't exist because the service isn't covered by the Consumer Credit Act.

Thanks

- Hobbie

 

--------------------------------------------------------

Under no circumstances should you speak with a Debt Collections Agency via telephone, request that all future correspondence is done in writing, a letter template for this can be located here.

 

Any views expressed are solely that of my own, any advice or information offered is provided in genuine good faith, and should be checked prior to acting upon.

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I think I remember reading somthing like that before.

 

When I pay 3, should I then get anymore letters from DLC, would you suggest just writing to them with a receipt of some kind stating this account has been paid, now go forth and leave me alone? Or should I do something else once I have paid 3?

 

Thanks

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I wouldn't be too surprised if you get some further contact with the DCA but this just emphasises why you need to get everything in writing.

 

once you have proof that the debt has been paid and if the dca continues to chase you, you will have all of the cards in your hand

 

Refuse to communicate with the dca and complain vigourously to 3, after all, the dca is acting as their agent and is besmirching 3's "reputation" also complain to ts about the activities of the dca.

 

they should then scuttle back under whatever stone from whence they came

Hope this helps

 

 

If you feel that this site has helped you in any way please leave a donation if you can afford to do so.

 

If you feel that have been helpful please feel free to tip the scales.

 

 

The large print giveth, but the small print taketh away. ~Tom Waits, Small Change

 

 

Please note: i am not a qualified lawyer, any advice is offered in good faith and is based on my own and others experiences and a penchant for research and a desire to help others to empower themselves

 

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