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Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Moved here.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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I wouldn't advise binning any documents you receive that relate to an alleged debt, even if you know the likleihood of them following up on it is next to zero. By all means file in a drawer and forget, but its inadvisable to bin them.

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I wouldn't advise binning any documents you receive that relate to an alleged debt, even if you know the likleihood of them following up on it is next to zero. By all means file in a drawer and forget, but its inadvisable to bin them.

 

What debt? At the end of the day its a penalty. Penalty issued by a private concern = zero debt as it cannot be legally recovered. It carries about as much weight as the site team sending you a demand for £50 for breaking forum rules (not saying that you have btw). What would you do with that?

 

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What debt? At the end of the day its a penalty. Penalty issued by a private concern = zero debt as it cannot be legally recovered. It carries about as much weight as the site team sending you a demand for £50 for breaking forum rules (not saying that you have btw). What would you do with that?

 

It IS an alleged civil debt. One party claims another party owes them money. The debt remains alleged until such time as it is put in front of a judge and they decide. The fact that the claimant's case is rubbish is irrelevant. Chucking away any documentation that MIGHT (albeit extrmely slim) result in a court claim is stupid. Feel free to ignore my advice. Its only advice.

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Read what I said again [EDIT]. Any paperwork that alludes to potential legal action should not be thrown away but put away somewhere. Regardless of the odds of being taken to court, which in this case are 0.0000000001% because the claimant has suffered no damages whatsoever. That doesn't stop some [EDIT] (parking companies) taking the odd futile punt in court now and again though, so the paperwork should be kept for that albeit extremely unlikely event. The OP has done NOTHING WRONG. I'm just advocating common sense in the face of potential provocation from PPC[EDIT]

Edited by seanamarts
taken out personal insults
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Yes by all means retain the computer generated threats, but SS makes a valid point, why clutter up your draws with irrelevant nonsense? We all know that PPC tickets and threats are toilet paper, and yes it may be beneficial to keep or bin them, but SS is only advising, I assume?, as to what he would do or has done in the past.

Granted I keep ALL of the letters TVL or any trin pot DCA sends me, simply so I can ridicule them on the phone, but not everyone is as confident, I think what SS is trying to get across is the actual trivial nature of these pathetic letters, therefore there is no need to keep them and refer back to them as bugger all ever happens.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Yes by all means retain the computer generated threats, but SS makes a valid point, why clutter up your draws with irrelevant nonsense? We all know that PPC tickets and threats are toilet paper, and yes it may be beneficial to keep or bin them, but SS is only advising, I assume?, as to what he would do or has done in the past.

Granted I keep ALL of the letters TVL or any trin pot DCA sends me, simply so I can ridicule them on the phone, but not everyone is as confident, I think what SS is trying to get across is the actual trivial nature of these pathetic letters, therefore there is no need to keep them and refer back to them as bugger all ever happens.

 

Extremely naive advice, but its only that - advice. I'm not aware of anyone in our legal team that would ever throw away any bit of paperwork that even hints at potential legal action, regardless that the odds of actual follow up are very very low. Still, its only advice.

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