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Gruffle

Call Serve / Debt Managers help please :)

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Hi, I'd like a bit of advise regarding how to deal with Debt Managers chasing up a debt of mine...

 

A bit of background, Npower screwed up my electricity bill a couple of years ago, I moved house shortly afterwards and forgot all about the letters I had received etc.

 

I received a letter from Call Serve regarding the outstanding debt, which at the time stood at £400 i think, I setup a payment plan with them etc and paid some of it off, then I got into difficulties with money and stopped paying them.

 

I later received another letter from them asking for payment, I rung them to try and sort something, they told me that the debt had been passed onto Debt Managers, who started sending me letters about it.

 

They're the usual "we DEMAND payment or we'll send the boys round to take your stuff" sort of thing, but because I'm in arrears with the payment plan I made, they won't accept any other payment or make another payment plan until that is paid off, which i just can't afford at the minute (i'm £110 behind on my payment plan)

 

If there anything I can do? Surely they should accept a token payment to get me started then I can get back on track?

 

I'm also a little concerned that the debt was passed on to another agency without telling me but as i rang them and started paying I suppose its too late to do anything about that?

 

Any advise is welcome :)

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never never never too late i,m sure someone with the right knowledge will be on here soon ,sit back relax have a cup of tea ,cheers.

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They have no choice but to accept what you can afford - you are in control of what you will pay, not them. So of all you can afford is £5 per month then that is what they get. Don't speak to them on the phone- ever - as they will only try to bully you into paying more than you can afford. Everything in writing so you have a paper trail on file. Ask for a statement so you know exactly how much you have to pay. Don't let them add admin charges or fees. They are now allowed to charge you anything that wasn't in the original contract.

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