Iqor/GPB chasing old OD debt

[aquila]

Hi all CAGers,

 

I have just received the first solicitor letter from 'them', for a sum of money I owe which is around £700.

 

I live in England and the debt is from a bank account overdraft I didn't pay, and was defaulted on about a year ago.

 

Now the DCA has got in touch with some solicitors, and these solicitors just sent me a letter which I have 7 more days to respond to with full or part payment to the DCA, or else they say, they will be instructed to commence legal proceedings.

 

They also say that any legal action they take will attract interest and additional legal costs, which I am obliged to pay.

 

My question is

- is this just a scare tactic, should I ignore it?

And how much additional 'fees' would I have to pay, on top of the £700, if they do commence legal proceedings?

 

Thanks all,

 

Aquila

[dx100uk]

yep ignore

just their sham solicitor

or more correctly the dca secretary just put a diff letterhead in the printer.

 

name and shame the fleecers please.

 

dx

[harrassed senior]

I would agree, just ignore for now, their use of the word 'solicitor' is just a scare tactic, same office, next desk along etc.

 

Keep this thread updated with their next efort!!! help will be available at all stages.

[debt4get]

if you let us know the dca and tame solicitor it would make it easier for us to advise

[postggj]

Realy Debt4get

 

Its A Criminal Offence For Them To Use The Word Solicitor When They Have None

 

Just Protituting The Name

 

I Bet It Says At The Bottom Of The Sols Letter

 

traniee Solicitor Or Litigation Assistant

[postggj]

Let Me Guess

 

Mortimer Clark

H L Legal

 

Surly Not Cohen Or Carter

[ODC]

Who are the DCA and which alleged solicitor are they using

[aquila]

iQor are the DCA, and the solicitor is geoffrey parker bourne solicitors. Actually I think the solicitors are genuine since I just googled them. Anyway, I will ignore the letter from the solicitor.

 

Aquila

[debt4get]

they send out threatograms for the dca..they are designed to get you to ring and give them money...do not... you would only have to pay court fees..if they took court action..and YOU lost...they have to prove you owe the money

[ODC]

GPB is a solicitor for rent. One of the ones who allow the DCAs to send out threats using their notepaper. The supposed letter from GPB will have emenated from IQORS threatomatic printing press.

[dx100uk]

hehe

 

GPB....biggest imitation solicitors there is !!

 

ignore the lot of 'em

 

DON'T do anything.

 

dx

[aquila]

Thank you all for the responses, I feel a little better now, and will ignore them. I will keep posting here any further action that they take, just so I know I am doing the right thing.

 

One final note, how much are 'court fees', if they were to launch court action for the £700 i owe, and if I lost, I would have to pay the debt + their court fees.

 

I would just like to get an idea of how much these court fees would be on top of the £700 if anybody knows.

 

Thank you for your responses and help,

 

Aquila

[dx100uk]

£75 i think

but i'll never get that far!!

 

dx

[aquila]

Hi fellow CAGers,

 

I have an unpaid, defaulted bank account overdraft of around £700 with bank x. It was sold to iQor, and they have supposedly been in touch with Geoffrey Parker Bourne solicitors.

 

So I ignored the first letter from GPB, and now they have sent me a second one, saying that I have 7 more days from the date of the letter (the time is up in 2 days), or they will commence a county court claim.

 

They have also given me some totals of the extra costs that I will incur if they start court action, which is £60 court fees and £70 for their solicitors costs, that's an extra £130 on top of the original £700 that I owe. They also say that further costs may be added on top of that is Judgement is awarded.

 

Should I ignore this second letter, or shall I call them, I really don't know. The 7 days that I was given in this second letter will expire in 2 days, I am not sure what I should do?

 

Thanks for your help,

 

Aquila

[saintly_1]

I have merged the threads concerning this matter so that people can see what has happened earlier

[aquila]

Hi fellow CAGers,

 

I have an unpaid, defaulted bank account overdraft of around £700 with bank x. It was sold to iQor, and they have supposedly been in touch with Geoffrey Parker Bourne solicitors.

 

So I ignored the first letter from GPB, and now they have sent me a second one, saying that I have 7 more days from the date of the letter (the time is up in 2 days), or they will commence a county court claim.

 

They have also given me some totals of the extra costs that I will incur if they start court action, which is £60 court fees and £70 for their solicitors costs, that's an extra £130 on top of the original £700 that I owe. They also say that further costs may be added on top of that is Judgement is awarded.

 

Should I ignore this second letter, or shall I call them, I really don't know. The 7 days that I was given in this second letter will expire in 2 days, I am not sure what I should do?

 

Thanks for your help,

 

Aquila

[NailPost]

Do NOT call them.Never, ever speak to a debt collector of any kind on the phone. they will say anything to get you to pay them, even if you acnnot afford to do so.

 

An overdraft is not covered by a CCA request to these leeches to make them prove they have the right to collect this debt. But I'm sure you must have received some correspondence from your bank informing you they were getting a bit fedup waiting for you to pay and you should have received a default letter. If these are not in order you may be able to force GPB, who is quite well known on these forums, to crawl back under his stone.

[unclebulgaria67]

More information needed. What did you receive from the bank that held the overdraft? Did they issue a termination notice and advise you they were selling the debt on ? When did you stop making payments to the account?

[miss muppet]

There does seem to be some confusion over whether overdrafts are covered by CCA so here's a link which may be helpful. Also you could Subject Access Request the original creditor, this letter can be found in the debt collectors library and you should enclose £10 postal order and don't sign, print your name. Send by recorded delivery. This should produce more detailed information on your account:-

[miss muppet]

Sorry, try again:-http://www.consumeractiongroup.co.uk/forum/legal-issues/262588-natwest-loan.html

[miss muppet]

http://www.consumeractiongroup.co.uk/forum/natwest-bank/262400-nightmare-natwest-incasso-courts.html

[dx100uk]

please do some reading

 

what you are getting are std threat-o-grams

 

how much of this od is unlawful charges?

 

 

dx

[MONX]

Dont panic!

 

They sit at their desks making up these sums of money in order to panic you into contacting them. They put things like court costs on top of the alleged debt as a scare tactic but until you go to court and lose (no where near that at the moment) those costs are not payable.

 

Did you ever receive something from the bank saying that they were assigning the debt to the DCA?

[aquila]

Hi all CAGers,

 

I have two questions. I have a couple of current account overdraft debts amounting to around £3,500 (£650 with one, the rest with the other), and I read somewhere else that there was this person who had about £6,000 of initial debt with a DCA, and he ignored them, and after a few years it had supposedly jumped up to £30,000!

 

Can this happen? I am currently just ignoring all post and phonecalls they are making to me, not replying at all. Will they come back to me in a year or two's time and say I owe them like 20k???

 

Second question, if they proceed with filing for a CCJ, if I pay this full amount immediately within one month, does the CCJ get cleared from my credit file like there was no trace of it, or will there be some indication that a CCJ was recorded against me but I paid it within one month?

 

Thanks all!

[Tingy]

They can legitimately add costs and interest to debts. You need to stop burying your head in the sand and face up to the situation. Which bank are we talking about? How old is this debt? Have you had any contact or made any payments at all?

 

If you face up to it now, your second question should be irrelevant as it shouldn't come to that. If it did go to court and you got a CCJ, where would the money come from to pay it (+ court costs etc...)? If you have that money, why are you not paying it off the existing debt?