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Getting debt sent back to the original creditor


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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.

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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.

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Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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  • 2 weeks later...

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

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Yes totally responsible.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 3 weeks later...

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'.

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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.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 4 months later...

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.

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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

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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  • 1 month later...
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