Round and round and round we go...

[Jam_Buttie]

I asked Natwest to write off my debt of £2500 as there is no way on this earth we can pay it. Even on a payment plan with Triton Credit Services at a fiver a month it will take me over 40 years to pay off...

 

So they gave up contacting me...

 

So I now get a letter from Newman DCA, whom I'm about to start the whole process with again lol.

 

Round and round and round we go...

[acutetomato]

They're counting on you winning the lottery

[Jam_Buttie]

Wonder if I could send them a bill for all the ink and stamps I've bought...

[BRIGADIER2JCS]

Hi, Has the debt been assigned to Newmans??

[Jam_Buttie]

They have just been assigned the debt from the OC.

[sillygirl1]

Report the lot to the OFT - http://www.consumerdirect.gov.uk - passing on debts whilst in dispute is a no-no, as is using multiple agencies to collect.

[BRIGADIER2JCS]

The old theory on debts not being ''sold or assigned'' whilst

in dispute seems have lapsed it is happening on a regular

basis and the fact has been tested in court and there has

been no favourable results in my experience.

[sillygirl1]

I think the fact that these debts are continally passed around is that some 'big boys' are the backers behind the parent companies and the Debt Buyers and Sellers Group are misusing their 'authority' in getting things 'overlooked'.

[BRIGADIER2JCS]

Debt sold in massive portfolio, usually all on disc with minimal

detail, the purchaser attempts collection if they fail on to another

sale, again with little detail and so it goes on,

[Bazooka Boo]

So I now get a letter from Newman DCA, whom I'm about to start the whole process with again lol.

Round and round and round we go...

 

NW won't write off debt, what they will have done is to sell it in a portfolio of other 'defunct debts' that they are unable to collect, get a few pence in the pound for them and claim the rest of their insurance to recoup their supposed losses.

 

The 'new' owner will then claim you owe the full balance and they can offer you a discount if you pay X amount in full or monthly, this is because they have not paid for the full amount they claim you owe or that they have nothing in the way of enforceable paperwork and very little history of the debt.

 

Continuing the game of letter tennis will only prolong the cost of postage and stationary to you, as I doubt you send these letters by 2nd class post? IMO continuing this game of letter ping pong is pointless, someone somewhere needs to take the bull by the horns.

[Jam_Buttie]

True.

 

I have written to the OC to ask for it to be written off but haven't recieved a reply as of yet.

[theghost]

they are entitled to ask for more money on a regular basis because peoples circumstances do change - obviously your individual circumstances may or may not change

 

it is poor form to get another DCA involved if you are already in a payment plan with one DCA and it is accepted you cannot pay any more - woudl check the debt collection guidance to see if there is anything in there about that.

[Bazooka Boo]

Again JB, they will not write off debt, that is a misnomer.

 

All you can do is to stick to the payment you arranged, and pay that amount, if it has been passed on to another DCA that you have no knowledge of or have not been informed of, then stop payments until the OC informs you IN WRITING, that they have farmed this out to a third party, and who it is, what you need then is another letter from said third party informing you that they have been instructed to chase the lemon.

 

STAY OFF THE PHONE.

[PriorityOne]

I asked Natwest to write off my debt of £2500 as there is no way on this earth we can pay it. Even on a payment plan with Triton Credit Services at a fiver a month it will take me over 40 years to pay off...

 

So they gave up contacting me...

 

So I now get a letter from Newman DCA, whom I'm about to start the whole process with again lol.

 

Round and round and round we go...

 

Have you made a CCA request?

[citizenB]

they are entitled to ask for more money on a regular basis because peoples circumstances do change - obviously your individual circumstances may or may not change

 

it is poor form to get another DCA involved if you are already in a payment plan with one DCA and it is accepted you cannot pay any more - woudl check the debt collection guidance to see if there is anything in there about that.

 

I think using many DCAs is probably against the OFT guidelines. If JB is unable to pay one DCA any more, then he is unlikely to be able to pay more to new one. IMHO that has to be harassment.

[BRIGADIER2JCS]

What sort of account is thiis???

[BRIGADIER2JCS]

Only harassment if the same DCA keeps chasing

but as they pass the parcel in the hope that a debtor

will finally get so teed off with it that they pay up:madgrin:

[Jam_Buttie]

They can keep passing it about. The more they pass it about, the less chances of me actually paying up.

[PriorityOne]

They can keep passing it about. The more they pass it about, the less chances of me actually paying up.

 

That's being very naive.... sorry. You may end up with a very tenacious lot on your case at some point and subsequent court papers because they see you as an easy CCJ (County Court Judgement). What kind of debt is this and have you made a CCA request?

[Jam_Buttie]

Its fora credit card. And no I haven't sent the ma CCA request yet. I've sent them letter "K" from the library asking for it to be written off first.

[BRIGADIER2JCS]

There is absolutely no reason

for them to write this off as said

they are more likely to raise a claim

for it and take £1 a month forever

and you end up with a CCJ.

[panther12]

Are there any charges applied from at least 6 years and as far back as your statements go. With interest this could wipe out a huge chunk of the debt.

[PriorityOne]

Its fora credit card. And no I haven't sent the ma CCA request yet. I've sent them letter "K" from the library asking for it to be written off first.

 

They won't write it off; that particular template is a waste of time. Without a CCA request being made, you are simply leaving yourself wide open to having court papers issued at some point. If you've made the decision not to pay, then at least go down the proper channels and protect yourself because the "ner-ner-nee-ner-ner" attitiude has no place in this industry; not the way you're doing it anyway.

 

[Jam_Buttie]

I'll see what comes back and then I'll CCA them.

[Seminole]

It's extremely unlikely that you will get any reply other than more computer generated garbage. You would be better off making the CCA request now.