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jackiekebab

Letter from NCI re haliifax debt

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Just had my Mam on the phone she said I have recieved a letter at their property from a company called NCI with a fella saying for a debt with Halifax it has been passed to them as Halifax want them to set up a meeting with me and this lad is to make a visit to the property if I don't respond by today, but she said no one has came today.

 

I assume the letter must be dated a few days ago.

 

I got the reference number and the blokes mobile number, what should I do here, do I tell him where I live now, ask for time (I'm currently waiting till I get paid on the 22nd so I can go and collect new passport to set up bank and start paying these people?

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NCI are a debt collection agency

they are not BAILIFFS and have

NO SUCH LEGAL POWERS

 

what is the debt?

 

dx


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Overdraft with Halifax £3500.

 

Going to start paying it with CCCS as soon as I get a bank set up as also got fiddled through some quit smoking thing which would withdraw £140 a month if I had money in it so stopped my wages going into it then setting up a DMP with CCCS once I get a new account.

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So what do you reckon I should say, is there anything I shouldn't answer or refuse, just tell them to hold off and I'll be in touch, gonna ring him this evening when I get in from work.

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no do not ever ring a dca

 

you you saying you have sufferdd OD charges too?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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Yeah have to pay for the overdraft and will have went over now with wages no longer going in. What should I do if I don't ring then, don't want him to turn up and start knocking on my Mam and Dad's that's all mate?

 

Cheers

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there is not alot you can do

 

you could sent the doorstepper letter but often thats ignored

90% of the time these muppets never show anyhow

its a threat to make you contact them...DONT.

 

 

if the OD has PENALTY charges you need to complaint to the OC under BCOBS

 

are you on benefits?

 

and did you get that money back off the anti-smoking people

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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Nah not on benefits nah mate.

 

I'll send the doorstep letter and e-mail it and tell them I don't live at my parents house as well, don't want them going there that's all.

 

Nah the smoking thing I stopped by getting my wages into my mates bank so they couldn't take it or would have charged me £140 a month each month.

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i'm sure you should have recourse under BCOBS

 

Dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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i'm sure you should have recourse under BCOBS

 

Dx

 

Will have a read of that tonight, cheers mate, I hadn't even heard of that before ha, I'm useless with stuff lie this, learning loads here.

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