Rossendales Collect and their letter....

[clemma]

I can't scan the letter which they have sent so I will attempt a good copy. Not sure if it is entirely within the OFT guidelines. Anyhow, not overly worried about them. This is NOT the bailiff side of the company just the debt collection side. I have sent (twice) the "you are not to visit letter) but they have chosen to ignore it. Fair enough.

 

Just wondering what people think?

 

Client xxxxx

Reference xxxxx

Our ref xxxxx

Date 19th October 2012

 

Outstanding amount £xxx.xx

 

WARNING - YOUR CREDIT RATING COULD BE SERIOUSLY AFFECTED

 

You WILL be VISITED by a DEBT COLLECTOR

 

PHONE IMMEDIATELY TO AVOID ACTION - WE ARE HERE TO HELP

 

0844 XXX XXXX

 

Then it has a barcode for payments and at the very bottom the address of who sent it.

[dx100uk]

you've done your bit

 

its just a threat

 

you know w hat to do if they do turn up anyway!

 

whats the debt all about?

 

dx

[clemma]

Its for over payment of housing benefit. It isnt for much but they refused the payment offer we made. When we were still claming housing benefit £10 a week was being deducted from the benefit towards the arrears. We offered Rossendales the same. This letter seems to be their next plan of "intimidation". Not sure it can affect my other halfs credit rating either.

 

And, yep. I know what to do if they come a-knocking ;-)

[cerberusalert]

Not sure it can affect my other halfs credit rating either.

Nope as it's not a credit debt, unless they obtain a CCJ which will.

[clemma]

Thought as much. I don't know how successful they will be at getting a CCJ. I may just start paying £5 a week using the barcode on the letter. They'd struggle to get a judgement against the other half if he is paying something. Plus I have all the letters from them, including the refusal to accept the payment offer.

[Bazooka Boo]

But check the credit file just in case they are as foolish to attempt to mark the file with incorrect inaccurate data.

[clemma]

Ah, good plan. I can't check my other half's credit file on line as they want him to send a million pieces of ID before allowing him access. I will just request a postal copy.