sterling debt recovery

[*northstar*]

Hi all need some advice regarding this debt letter please. thanks

 

483 Green Lanes

 

London

 

N13 4BS United Kingdom

 

Sterling Debt Recovery is a trading name of Sterling Outsourcing Sp zoo, Registered Office : ul. Batorego 1/4, Krakow, 31-135, Poland.

 

Mr M

 

 

OUTSTANDING BALANCE NOW : £4,198.85

 

Dear Mr M

 

This letter gives you notice that Sterling Debt Recovery has been instructed by our client to take appropriate action to collect the outstanding balance on your account.

 

You should read both sides of this letter carefully, follow the instructions and respond as soon as possible. If you have any queries or if any of this information is incorrect then please contact us on the number below.

 

If you have any reason to dispute this debt or you believe that you are not liable for payment then please contact us. Our intention is to resolve this matter with you without the need for legal action.

 

You should now either:

 

If you are unable to pay the full value of the debt then you should contact us to agree a payment plan.

 

If we are not able to resolve this matter with you then we may commence legal proceedings and report the debt to credit rating agencies which will affect your credit rating. Yours faithfully

 

Anthony Kelly

 

Sterling Debt Recovery

 

Tel : +44 208 8199223

 

Email : [email protected]

 

Direct Dial: +44 208 8199223

 

Email: [email protected]

 

Email : [email protected]

Direct Dial: +44 208 8199223

Email: [email protected]

Fax: +44 203 7738872

Date: 02 September 2016

PAY THE FULL DEBT INCLUDING INTEREST

AND LATE PAYMENT CHARGES.

PLEASE READ OVERLEAF FOR DETAILS

OF HOW TO MAKE PAYMENT.

CONTACT US ON :

0208 8199223 OR EMAIL US AT :

[email protected]

OR

483 Green Lanes

London

N13 4BS

United Kingdom

Sterling Debt Recovery is a trading name of Sterling Outsourcing Sp zoo,

Registered Office : ul. Batorego 1/4, Krakow, 31-135, Poland.

Payments should be made immediately by bank transfer to:

Account number: 54235768 Sort Code: 30-92-79

You should include your reference in the transaction detail : 100001056

For payments from outside the UK you will need the following details :

IBAN: GB87LOYD30927954235768 BIC/SWIFT: LOYDGB21264

At this late stage sending a cheque is not a viable option for payment. If you are unable to organise a bank

transfer then please call us on 0208 8199223 to discuss.

If you are unable to repay the full debt amount now then you should contact us to agree a payment plan. If

you do not do so then the cost of this debt is likely to increase significantly.

Total invoice value overdue (please contact us if you require a statement):

£0.00

Plus interest under the late payment act:

£0.00

Plus reasonable debt collection costs and late fees under the Late Payment Act*:

£445.35

Total payable as at 02 September 2016

£4,198.85

* Interest and fees have been added under the Late Payment of Commercial Debts Act 1998. Interest will

continue to accrue and these fees must be paid to avoid further action.

On behalf of our client we have added reasonable debt recovery costs at 10% of the total outstanding

invoice value, plus late fees of £40, £70 or £100 per invoice depending on their value as allowed by the late

payment act.

You can see details of the Late Payment Act at http://www.gov.uk/late-commercial-payments-interest-debtrecovery

[maroondevo52]

Hi,

 

What's the story of the debt.

[*northstar*]

bit of a long story. started work for a agency in the construction field. agency overpaid me, i tried to repay it back but they sent it to this agency. thanks

[dx100uk]

so you are being chased for a debt of wages over payment from your time in Poland

but now reside in the UK?

[dx100uk]

aha

 

 

http://sterlingdebtrecovery.com/recruitment-agencies/

 

 

so poss not you worked in Poland ...sri!!

[*northstar*]

no only worked in the uk. thanks

[lookinforinfo]

Interesting that they think they can add late payment fees, interest and recovery fees without a contract with debtors.

The Late Payment Act refers to the original debtor being able to charge late payment interest and debt recovery costs not a debt collector. In any event the debt recovery costs for amounts between £1000 and £9999 is £70 but only if you are the supplier.

When did the overpayment occur as the Late Payment Act didn't come into force until 2013 and in any case it may be debatable that it is a commercial debt if it is an overpayment of wages. Perhaps others more knowledgeable could advise.

[lookinforinfo]

Sterling debt recovery was TAK-outsourcing originally and was registered with the FCA as Tak.

That licence has now lapsed and does not appear to have been renewed by Sterling Outsourcing,

 

 

Sterling debt recovery nor Sterling legal [whose director speaks Polish and possibly the connection with that Country].

If not now registered with the FCA, that is a serious matter for both them and your creditor.

 

To confirm please call the FCA [ 0800 111 6768-they are pretty helpful on the phone] and check their registration.

 

 

Also ask if

1] are overpayment of wages classed as commercial debts

 

2] can a debt collection company charge you fees under the Late payment act

-surely the Law applies only to the creditor since otherwise what is to stop the creditor from charging you again.

 

3] [only if the overpayment was made before march 2013] confirm that the Late payment act 2013 does not apply but what does instead.

 

4] if debt collectors can collect fees is 10% of the debt a reasonable figure to charge right from the start virtually for one letter to you as well as charging you interest on the debt etc.

[*northstar*]

agency made the over payment on the 19.8.16.

[lookinforinfo]

Under the Late Payment Act

[and I am unsure that you are even liable under the Act]

you have 60 days within which to repay the debt and collection can only start after that.

 

 

The Act refers to goods or services [not wages over paid]

and normally there would have been a contract between a supplier

and an end user before goods or services changed hands.

 

In your case, you had no prior contract, I guess, to repay any over payment in wages?

 

 

You were overpaid something like £3000 plus

-did you know you were overpaid at the time

or do you dispute that you owe that much

or anything at all

and when did the creditor inform you in writing of the overpayment?

 

 

Did you respond by saying that you couldn't afford to repay since they have been very quick [too quick?]

off the mark to reclaim the money.

 

That sort of over payment could be quite significant unless it was monies due over several months or if you were a gang master for example with quite a few men under your control.

 

When you speak to the FCA please also ask if they should be chasing you straightaway fro the debt as the Act allows 60 days grace.

 

 

If they are not waiting that long then it should not be considered a commercial debt and therefore Sterling cannot charge you fees etc.

[*northstar*]

what does fca stand for ? thanks

[dx100uk]

Financial conduct authority

[martin2006]

NS it would help enormously if you gave us the full background to this