Collectica DCA chasing council summary repairs bill

[Scouse Paul]

Sorry for the quietness,

thought everything had been sorted but they are now they are going a bit too far and want to know if I can make a complaint against them to OFT etc.

 

We received an email from them saying they accepted our repayment arrangement and £30.40 was to be paid on the 27th of each month

 

Email was sent from them on the 23rd September.

 

We made the payment as agreed on the 27th September electronically through my online account.

 

Today we got a letter dated 13th October saying that due to no repayment plan being agreed

and no payment being made they would commence further action with a door stop collector calling round in 7 days

from the date of the letter unless we settle the balance in full.

 

I did speak to them on the phone (convo was recorded ) and thet initially said the agreement had not being agreed

by their client but when I read the email to them over the phone they changed their tune

and the guy on the phone spoke to a "manager" who then said they would be honoring the agreement.

 

Due to us having received the email and making the payment do we have ground to raise a formal complaint against them

with the powers that be over the letter they sent us.

[BRIGADIER2JCS]

A Formal Complaint to Collectia is the next move.

[Scouse Paul]

Thanks Brig, I will send one off pronto

[dx100uk]

I hope you are not paying the DCA but the council direct?

 

dx

[Scouse Paul]

We are paying the DCA, should we stop paying them and start making payments to the council?

[dx100uk]

YES!!

 

dx

[Scouse Paul]

My biggest worry is if we do this, the DCA will get really snotty and instigate formal proceedings

[dx100uk]

they cant they are a dca they don't OWN THE DEBT.

 

only the OWNER can take you to court.

 

pay the council

 

as sadly you were advised to twice before to do

 

its a summary debt

 

it is NOT A PRIORITY DEBT

 

pay the council directly at the level you can afford.

 

cut out the fleecing no powers DCA

 

dx

[Scouse Paul]

I do take on board what you guys have been saying but I don't trust the DCA's when it comes to not doing what they are supposed to

[dx100uk]

in what way..exactly please

 

dx

[Scouse Paul]

They are a bailiff firm as well

 

so what is to stop them sending their thugs round,

 

they are arsey enough to deal with as it is and that was only via emails.

 

When we start paying the council direct

 

what's to stop them or the council from being arsey and going through the courts.

[dx100uk]

you are missing the point

or not wanting to grasp it.

 

the ONLY time bailiffs would ever be involved in a summary council debt

is

IF the COUNCIL took it to COURT

IF they won.

IF they get a CCJ

IF you refuse to pay

IF they then go back to court

If then a bailiff is assigned.

 

carry on with what you are doing.

 

you are paying the COUNCIL

it is the COUNCILS debt.

 

why don't you complain to the council

you are still getting threat-o-grams?

 

dx

[Scouse Paul]

Hi All,

 

I have been paying of a debt to Collectica who were the DCA that were dealing with it, I have been up to date with payments and are not behind with them.

 

I tried phoning them today to make the payment for December but they are now saying there is no record of the account on the system when they searched through the ref number and the address details.

 

What should I do in a situation like this, should I just write the debt off as there is now no record of me on their system or should I wait for them to contact me in regards to the payment plan falling behind and then argue with them over their poor record keeping

[Bazooka Boo]

Most certainly STOP paying them.

And definitely STOP ringing them!

 

Never ever ring a DCA, how long have they been conning you into paying them?

 

What is this so called debt?

Who was the OC?

How much?

 

STOP paying, and never discuss financial matters over the phone, especially with a fleecing DCA!

[Scouse Paul]

The debt is legit, it was through the council for damages that deemed were outside of the tenancy agreement.

 

it was for £1500 initially but its now down to just under £700, we did try referring it back to the council and offering to pay them directly but the council were not interested and said we had to deal with Collectica, couldn't be arsed to argue with council to just took the easy way out

[Bazooka Boo]

Who is the LA?

 

You should complain about them to the councillors, the leader of the LA and your local MP too.

 

LA's are a law unto themselves, if ours is anything to go by they are anyway!

 

Get onto the LA and make a complaint and exhaust their complaints procedure, this is why they need to take responsibility for debts instead of farming them out to powerless DCA's.

[citizenB]

I think you need something in writing/email that they are unable to find your details or that of the debt on their records. Especially as this is for a LA debt. You don't want something unpleasant happening, should their system just be having an off day and they later start pursuing you.

[dx100uk]

these summary council charges to supposed damage to properties you move out of are 90% of the time bogus.

 

 

you appear to have been spoofed by collectica into thinking they were bailiffs

and able to demand said summary charges

 

in this instance, they are NOT, they are acting as a no powers DCA.

 

if you go make a simple call to the original council that levied the summary charges

 

you'll probably find they've never received a penny of the money collectica have been fleecing you of.

 

 

dx