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Payment to Debt Collectors

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Am I right in thinking that if you offer a payment to a Debt Collector they have to legally accept it or take you to court?

 

So if someone offered to pay £1 a month for the next 60 years to pay off a debt they would have to accept it?

 

Anyone know, or am I talking out of my backside here? (wouldn't be the first time!)

 

It's just something I saw on a website and I just wanted to check if it was true or false?

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I don't think so, although I am very willing to be proved wrong.

I belive it's all down to what a court decides what one can afford.

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Hi,

You tell a DCA what you are going to pay, not them tell you.

 

If the DCA hold a VALID CCA then they could take you to court (they even try it without a valid CCA). A judge would take into acount you living costs and other reasonable expenses then make an order to pay which will be less than the DCA want. You are both then bound by this unless either party goes to court to vary the amount.

 

When anyone (stupidly) phones a DCA, they will badger to get financial information out of you and them start making demands for stupid amounts. (they could be on commission) They have no right to your financial info, only a judge does.

 

Bit of a waffle on my part :)

 

fox


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No, they don't have to accept what you offer and most of the time they don't. But they do have to accept a court order.

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YOU decide what YOU want to pay a DCA. They have no rights to demand more than you can afford. Only a court can make that decision, so unless they go down that route, pay them however much you can afford. They will tell you that you're wrong - but what would you expect from the DCA's?


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

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