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eBay passed a debt of £2333 to transcom worldwide.

They are demanding £200 a week and they say this is the least they would accept I could pay £130 how can I get them to accept???

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Are transcrap the owner or acting on behalf of ebay?

 

Can we have more background info on the debt so we can advise further?

 

Regarding repayments, they are to be made according to YOUR financial situation. Not whatever a silly DCA says. However, before you even consider making ANY repayments, is the debt enforceable and legit?


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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The debt is legit. I think they are acting on behalf of eBay. I told them

I couldn't afford the first payment and they then said they would accept £130 just this once. I could afford that each week and would be willing to do that how do I get them to agree?? I don't want them taking me to court

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Can you post some background info? It's rare ebay debts are legit, as ebay love to ignore people, pile on charges and then sell the debt off.

 

You don't have to of course, but with ebays reputation, it is prudent to make sure everythings in order before you make ANY payments.

 

If you want to pay them however, give them a figure that YOU can afford, like £10 a week. If they refuse it, then drop them to £1 for the life of the debt. Especially if you have other debts to pay. Theres absolutely nothing they can do. It is a low priority debt. They can take a running jump by trying to tell you how much to pay.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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So I can pay them less without them taking me to court??

They are very demanding and insist that I couldn't pay lower when I first spoke to them

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a dca is not a bailiff

they have no such legal powers to demand anything.

 

your money...you are in control.

 

dx


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aha

 

threat monkeys on the phone...

 

never ever speak to a DCA on the phone

 

in writing ONLY

 

put the phone down.

 

dx


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

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Since eBay is not a credit service it should not go on my credit file right??

Transcom said it would not go on my credit file is this true?

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can you please give us the full history

 

how old is this debt?

 

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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This debt is from feb this year.

I tried ringing ebay and sorting it with them but they went interested in payment plan

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is all the debt of your doing?

 

no PENALTY charges been added?

 

how come you have a balance that high?

 

did a deal go bad....?

please ..the story is important

to how you deal with this...

 

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

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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Yes a deal went bad. No penalty charges have been added I tried paying bits as I could. Do u think they will accept lower weekly payments

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They have NO CHOICE but to accept lower payments. They are trying to threaten and harass you hoping you don't know the law or rules that they must play by. However, you came here and you can now be educated. TELL them, dont ask, what they will be getting from now on, even if its only a tenner a month. If they shout or refuse, simply tell them you are now dropping them down to £1 a month for the life of the debt, or until they agree with your original proposals. ALso tell them that if they do NOT agree, you will be making a full complaint to the OFT about their blatant breach of OFT guidance.

 

Please do NOT be coerced or fooled into thinking the DCA has any right to tell you what to do. They dont. At all. In any way.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It isn't goin to go on my credit file either?

I take it u have experienced these sort of people

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If ebay hasnt put it on your file, then no. Your credit file will be safe. It's worth checking with all 3 agencies to be completely sure though.

 

As already advised, a DCA cannot do ANYTHING. They have no legal rights at all unless specifically stated by the creditor OR they have bought the debt. None of those apply to your situation. Please do as advised in posts #9 and #13.

 

 

Regarding paying the dca, i would prefer to tell them to get lost, ignore them and deal with ebay direct. They have an obligation to talk to you and help you out. Not simply ignore you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you so much you've given me a lot of hope and taken a big weight off my shoulders

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No probs ksmith. First thing tuesday morning, send off the CCA request with the £1 postal order. Give them 12+2 days to send the ORIGINAL agreement and terms and conditions when you opened the account , and what they were when the account was closed.

 

DOnt pay anything more. If they cant come up with the CCA, then tough luck to them. If they send something, post it up here minus personal info and we can advise further.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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I have another letter today saying £200 a week starting from next week

There saying it's an agreement. I can't keep to that

I paid£137 I can afford to keep paying that should I just pay that amount again on Friday??

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There is no agreement unless you specifically set one up with ebay. Even then you can still change it at any time.

. Please do as already advised.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Doorstep collectors have no rights. Your neighbours cat has more.

Please start taking the advice you gave already been given. You are starting to believe the lies the dca is feeding you.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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it doesn't matter if they do

 

THEY ARE NOT BAILIFFS

 

and you tell them to leave your property

 

its all idle threats

to get you paying.

 

IF they could have gotten you in court

 

EBAY would have done that months ago.

 

all hot air.

 

as a side line

 

what cost you +£2k?

 

that you owe this

 

very rare to see a debt at this level with ebay.

 

if it were legit, they'd have been in court within 7days

 

something smells

 

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

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It is a legit debt.i was on way to post 4 expensive items and I stopped at shop I stupidly didn't lock car and they were stolen.

Sorry to keep going on with this forum just scared that's all. Don't want people knocking round as my girlfriend know nothing

Of this.

I am hoping they will accept my offer

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