Threatened with DCA unpaid Library charges

[juanlanesra]

In a similar position myself. The library sent me a letter saying that the DCA could affect my credit file.

 

Surely not?

[citizenB]

In a similar position myself. The library sent me a letter saying that the DCA could affect my credit file.

 

Surely not?

 

http://forums.moneysavingexpert.com/showthread.php?t=4721665

 

 

Post # 5 in the link above - apparently they cannot record a default for a library fine. Which DCA is it who has said this ?

[citizenB]

Was that statement made in writing to you ?

[juanlanesra]

Hi CitizenB, the library said this to me "we will instruct our collection agency who may affect your credit rating" and it was in writing via email.

[renegadeimp]

Can you post that email up minus any personal info?

[juanlanesra]

URGENT: NON PAYMENT OF FEES

 

 

 

Despite my previous communication, you have failed to contact me and the below balance still remains unpaid.

 

 

 

Outstanding: £398.77 ‘221.97 COST OF BOOKS + 176.80 FINES’

 

 

 

Current balance outstanding: £398.77

 

 

 

Please will you telephone Finance Department on or before 19th June 2014 telephone number 01202 961228 and 961600 or e-mail [email protected] to arrange for a method of payment.

 

 

 

Alternatively, you may make the above payment in person at Cash Office in Uni House; or, on-line by a card on below link:

 

 

 

website

 

 

 

You will need to input your student reference number and date of birth, so that, payment will be allocated to your account.

 

 

 

Failure to contact the University on or before 19th June 2014 will result in your details being passed to an external collection agency which may affect your credit rating.

 

 

 

Yours sincerely,

[dx100uk]

as post 4

 

dx

[citizenB]

Hells bells, how on earth did you rack up library charges of nearly £300.00 ?

[goodatresearch]

The listed didn't rack up these fees, her son did.

[juanlanesra]

Cheers dx and citizenb - they will be ignored.

 

@citizenb - 3 books! Although they've got a record of me returning them they cant find them and therefore they think the onus is on me to pay for them (yeah right!)

[citizenB]

Cheers dx and citizenb - they will be ignored.

 

@citizenb - 3 books! Although they've got a record of me returning them they cant find them and therefore they think the onus is on me to pay for them (yeah right!)

 

If they have a record of you returning them, then tell them to shove it ?

[juanlanesra]

Gone to a Credit Management Company - one of the more legit looking ones by the seems of things - ACT Credit Management Ltd.

 

 

"this is your final opportunity to rectify the matter. We will allow 3 days for your response."

 

It seems like a next step will be a notice of issue from the university. It amazes me that I can actually feel worried about this as I know I returned the books. However, I only have my word.

 

The record they have on file is of me visiting the library upon receiving the first fine letter and remonstrating that I returned them.

 

I'll take it to court but what's the basis of defending this.

[goodatresearch]

Post #14 stated they have a record of the books being returned. Is that not so?

 

Are they actually threatening you or your son? You are not the library card holder so if their chasing you, you need to make a formal complaint in writing.

[dx100uk]

you mean DCA

 

act are very low life

 

dx

[renegadeimp]

If you can prove that they have the books, then this wont go near any type of court. The DCA does NOT care ( there are not legit looking dca's. Theyre all the same). All they want is the money stated on their information so they can get their grubby little hands on it.

[juanlanesra]

ok thanks for the advice - Im usually very careful with details and what have you yet somehow they have got my mobile number!

 

The record that the university had which I thought was of the return of the books was actually just a record of a fuss being made when I came in to protest that I had returned the books. Why they would keep such records baffles me.

 

I've since had an email from ACT also, is this best ignored and wait to respond to the Notice of Issue from the Uni?

 

 

p.s. Admins - I donated to the site but forgot to include my username! I cant email Bankfodder as his inbox is full! (no action required I just thought I'd let you know that the advice on this site is appreciated and valued!)