Getting debt sent back to the original creditor

[llama247]

Hello,

Can anyone help me or point me to a thread about geeting a debt sent back to the original creditor.

Situation is with a mobile company, they sold the debt to a dc due to unpaid line rental. Also there is a person who paid for the rental who isn't me as they used the phone/contract.

 

So can anyone please help, thanks.

[citizenB]

Sorry, are you saying that the account doesnt belong to you or that it does and someone else uses it ?

 

You arent being very clear.

[llama247]

It belongs to me and someone else used and paid for it.

[citizenB]

Erm, if you are named on the contract, then I am afraid you are responsible for it.

[BRIGADIER2JCS]

Yes totally responsible.

[llama247]

I think we have things mixed up I know that as my name is on it etc but I want to know if I can get it sent back to the original creditor and then the person who uses it can deal with it 'on my behalf'.

[llama247]

Sorry I mean the company it was taken out with as it has been sent to a DCA.

[BRIGADIER2JCS]

If the account has been sold it is not likely to be returned to the original creditor, there is no reason for this to happen.

I'm afraid this is the danger of allowing a 3rd party to use such an account in your name.

[llama247]

Okay so a revival of this as it has been passed to Lowell, So I sent a letter to them saying that a 3rd party would take over payment and they said they cannot allow this as they would need me to sign a document to let the third party deal with it. Does anyone know how I would be able to allow the third party to get access without a signature or make it to that if they did try to lift it or any funny business it would be obvious/ not possible.

[BRIGADIER2JCS]

Please forget this nonsense about lifting signatures I for one have NEVER seen this proved.

 

What ever you do and whoever pays the debt will still remain your responsibility.

 

All that it needed is as follows.

 

To whom it may concern:

 

In the matter of an outstanding debt for £xxx.xx, I.........you name......................address formally authorise xxxxxxxxx her name of ............ address............. To make ALL payments in regard to this matter (Lowell ref:xxxxxxxxxxxxxxxxxxx.

 

Signed...................................... Dated...........................:

 

All further correspondence should be addressed as follows:...................................:

 

I ....................her name.................; Accept responsibility for the amount owing £xxx.xx: Signed...................: Dated...........:

 

Signed

[llama247]

Thank you very much for the letter draft, I would still like some more security before sending this, call me paranoid if you must.

[BRIGADIER2JCS]

As said whatever you do the account/debt is in your name, if you want the 3rd party to pay this is the way to do it.

[llama247]

I'm going to use the letter, thanks.