NCO Europe - Payment arrangements

[lrak]

Hi there,

 

I stupidly put off a payment to Paypal to resolve a negative balance and subsequently NCO are now after me to recover the money.

 

I phoned them up and paid £20 off the debt (£184) in total and agreed to pay the remainder on my payday, this is however looking bleak as its looking like I'm not going to be able to afford it.

 

Would a company like this be sympathetic at all and accept maybe 3 or 4 installments to settle the debt?

 

I would appreciate any input on this,

 

Thanks

[zazen.warrior]

Well initially I'd ask them to substantiate the debt, but I'm assuming you want to pay it from your post. In which case I would TELL them how I intended to make my payments, how much, how often etc. and ignore any nonsense from them after that.

 

Mainly you need to not panic about this

[lrak]

Phew!

 

I get really worked up about these things, I have aspergers which can mean I forget very easily, and totally inadvertently about what I owe. I just hope they can understand from my point of view that paying in one lump is too much.

 

Thanks for your advice, I shall let you know the result after I ring them tomorrow

[zazen.warrior]

Don't telephone them because they will try to bully you into paying more than you can afford, put it in writing.

[mr.ton]

I wouldnt worry about what they think as they are not legally entitled to money off you anyway.

[lrak]

Okay thanks for all your advice so far, its giving me a clearer picture of the process.

 

They have set up a payment to leave my account via debit card on my payday, are they legally obliged to cancel this upon my request?

[mr.ton]

Put a block on your debit card 1st thing tomorrow morning at your bank & order a new one.

Do not give them any card or bank details in the future.

[zazen.warrior]

Well to do otherwise would be an unauthorised deduction. Can you cancel the payment?

[lrak]

Okay I'll speak to them first, if they refuse I will block the card, and make all further correspondence by post.

 

Do I literally just need to tell them what I can afford to pay and thats it? or can they if they so wish demand full amount and leave me with no choice?

 

thanks.

[zazen.warrior]

They can't demand anything altho' they will try to convince you otherwise which is why you should deal with them in writing only.

[lrak]

Okay, I'll get onto this tomorrow.

 

Thanks ever so much for all your help

[lrak]

And can't demand anything, so the requiring some form of payment in 7 days or further action will be taken threat is... empty?

[zazen.warrior]

And can't demand anything, so the requiring some form of payment in 7 days or further action will be taken threat is... empty?

 

The further action they would take would be to send a nasty letter - who cares!

[lrak]

Didn't know that.

 

There is a way with these monsters, and I thought I was totally doomed!

 

Thanks once again, I'll keep this updated with whats going on

[zazen.warrior]

Yes please do.

[ashmk]

Cancel your card today !!!!!

 

I had the same thing with NCO. They called me and demanded I pay up (about £60) I told them they were not going to get a penny and to not waste anymore of there time. Its paypals problem and not mine, they gave the refund not me.

They called twice and I have no heard from them since.

 

Your problem is you have already given in once and paid up and they will prey on that weakness.

 

All they do is call a few times and send some threat letters, they really are not worth the time to be bothered by them. Just ignor the fools.

[lrak]

Hi guys,

 

I phoned NCO today and they seemed surprisingly accommodating. I offered to pay back £40 a month and they were fine with it, I have been told it has been put in the system and I'll receive a phone call on payday for the money.

 

Now... is this totally legitimate or are they still going to attempt to take the money...?