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EDF Debt - Debt Collectors - Credit file


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Hi,

 

I left my last property and I had a big Electric/Gas bill outstanding for about £500.

 

When I moved to new place, i agreed a payment plan with EDF but didn't follow it properly cos I thought i had set the STO but it wasnt correct.

 

after 2 months in January 2013 - they moved my debt to one of the debt collection agency, which contacted me and I agreed a payment plan with them for over 10 months.

 

I have checked my report on CHECKMYFILE but there is nothing regarding EDF on it as yet

 

My questions are:

1) Even though it's passed onto debt agency and I've agreed a payment plan, can they still add this on my file?

 

2) Will they definitely add this on my file?

 

3) I asked Debt agency to send me a confirmation letter that we've agreed a payment plan and they refused to send me. they said we only do it if you agree by direct debit. Can I get in trouble and will this effect me later?

 

4) My Credit rating is pretty average but this will be the first time i will be defaulted and I am scared this default will effect me for years to come?

 

any advice or opinion on this please? I am really nervous about the whole situation.

 

Please help

 

thanks

 

Please note: I am not trying to avoid my debt, I am more then happy to pay it off in installments. Just worried about being defaulted.

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it wont go on your CRA file.

 

rarely do util bills show.

 

its just a threat

 

you are 100% correct NEVER EVER give a DCA your bank or CARD details

 

IMHO i would pay EDF that will stop the dca taking any UNLAWFUL handling fees out

of the money you pay them.

 

you are under NO LEGAL OBL to talk or converse with a dca

they ARE NOT BAILIFFS

 

and HAVE NO SUVH LEGAL POWERS

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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