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Two DCA's chasing same NPower debt


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I am a little confused about some debt I had owing to NPower when I moved home four years ago.

I used to pay for my gas via pre-payment meter, but still ended up owing a lot of debt to them.

 

When I moved house I decided I wanted a different supplier so NPower wrote to me requesting I pay instalments, which I agreed to do.

I kept on paying these instalments until I got a letter from Pastdue Credit Solutions who told me they were working on behalf of NPower to collect the payments and so I ended up paying instalments to Pastdue instead and have done so for a couple of years.

 

Sometime in March this year I ended up being sent a letter from Buchanan, Clarke, Wells stating that I now owed the debt to them and they had added more intetest to the debt.

 

I phoned Pastdue who I thought were part of NPower and I arranged to carry on paying Pastdue as I didn't want to pay someone that had increased the debt to even more.

I even told BCW that this was my intention.

 

To cut a long story short

I received a letter 3 days ago from another DC called Arvato for the same debt.

I phoned them and explained that I was still paying debt off and that there was no reason to sell the debt to someone else, especially as they had also increased the debt yet again and that I had no warning of this.

They told me that they used to be Buchanan, Clarke, Wells and now changed their name to Arvato.

 

I phoned NPower up and they told me the debt was nothing to do with them anymore and that they hadn't received any funds from me since March this year.

 

I told them that I had been paying the debt every month so where was my money now going? They told me they sold the debt in June for £456.00.

 

All I can think is that I have been paying Pastdue and they had been passing my money to NPower and stopped paying N Power from March onwards this year.

 

I have continued to pay Pastdue, but have had no letters to say the debt has been resold to anyone else. Now Arvato want £525.

 

Im really getting fed up with knowing who owes the debt.

I'm also fed up of trying to get hold of Pastdue who seem to be continuously keeping me on the phone, but nobody seems to pick up the calls.

 

I don't know what to do, other than withhold all payments to anyone, which could end up being sold again with more interest.

 

What will happen if I have been paying wrong DC?

I am so worried about this, that my depression and anxiety are getting worse and my doctor may have to up-titrate my Prozac.

 

Sorry for the long-winded post. If anyone could suggest what the next best step would be, I would much appreciate it. Thank you.

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These debts just get passed around, as they just see it as an asset to make money from. As you are repaying the amount and they are adding interest, they just see it as win win. I doubt that NPower sold the debt for much, Pastdue made a profit and they then sold it on.

 

This is what i would do.

 

1) Stop payments to Pastdue.

2) write to Avarto asking for them to prove that they legally own the account from NPower, with a copy of any deed of assignment and copies of any other documents that confirm the sale of the account from NPower. Ask for a full breakdown of the account and a copy of the last statement of account from NPower.

We could do with some help from you.

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keep those figures handy and stop paying the dca If you didnt get a notice of assignment at the time then you dont owe any money to them. Interest cant be added as no credit agreement signed so work out how much you have paid and to whom adn when they start writing again you wil be able to ask them some awkward questions.

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Oh dear

You fell for the oldest Trick in the book

Paying a powerless DCA

They are NOT BAILIFFS

 

Stop phoning them!

They have no legal powers

 

You've been funding their nights in the pub long enough!!

That money goes straight in their pocket!!

 

Write them a letter

Demand all you your payments back

On a bogus debt

 

Give them 14 days before you will take it to the FCA

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Oh dear

You fell for the oldest Trick in the book

Paying a powerless DCA

They are NOT BAILIFFS

 

Stop phoning them!

They have no legal powers

 

You've been funding their nights in the pub long enough!!

That money goes straight in their pocket!!

 

Write them a letter

Demand all you your payments back

On a bogus debt

 

 

But could they take it to the courts and subsequently get the bailiffs in?

 

When you mention bogus debt I was wondering if this means there was no debt at all. I know I owed N Power and they apparently sold the debt to a DC, but do I still have to pay and if so, which one do I pay?

 

Thanks

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who was on their letters past dues client

no they cant get bailiffs

stp watching stupid channel 5 programs

they are not HCEO's

they have NO LEGAL POWERS AT ALL

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So the DCA can't take me to court even though it's not statute barred?

 

It is whether they ever would. They mostly just pass around lists of people to make money from.

 

Was this debt from NPower ever proved to be owed, with a full statement of account provided confirming how it was calculated ?

 

Did NPower ever tell you that they had sold the account to Pastdue and they would contact you to make a payment arrangement ?

 

What paperwork have you ever received proving that any DCA actually owns a debt they are chasing ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

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I don't remember having any paperwork being sent to me to say it had been passed to debt collectors. Unless of course it went to the old address by mistake.

 

First I knew was when I got a letter from Pastdue telling me they were acting on behalf of NPower to recover the debt. That's when I started to pay Pastdue directly and I have done so ever since, my last payment being on 1st October this year.

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so your payment should have gone to npower

you say they did not...

 

 

whats the truth..

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I must add in that Arvato, Pastdue and BCW have never sent me any notice of assignment,

I wouldn't even know what one was.

 

 

All I have got from either of these DCA's are letters to say that I owe them money,

which keeps escalating with each company.

 

 

On each of the letters it states that their client is NPower.

 

 

I must also add that since I moved house my name has gone back to my maiden name because I got divorced, so each DCA call me by my married name

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so your payment should have gone to npower

you say they did not...

 

 

whats the truth..

 

 

dx

 

I was paying NPower until I got a letter from Pastdue telling me that I had to pay them instead, which I have been doing since 2014.i got a letter from BCW saying that I had to pay them, but I didn't, I kept on paying Pastdue. Now 3 weeks ago I get a letter from Arvato saying I owe it to them.

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they are the SAME PEOPLE

Arvato, = BCW they don't buy debts

neither do PDCS

 

 

so all your payment should have been fwded to npower

 

 

you need to find them

i'm wondering if they've gone against your old name

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I have been paying Pastdue via bank transfer

looking through my statements I have done so since 2014.

Prior to this I was paying NPower.

 

 

When I got in touch with NPower when I got the letter from Arvato 3 days ago to find out who actually owns the debt, they said that it had nothing to do with them anymore as it had been sold on in June 2016.

 

 

All they could tell me is they last received a payment from me in March this year.

For this reason I assume that Pastdue had been forwarding my payments to NPower, but stopped doing so since March's payment.

 

 

So since March all the payments I have been paying Pastdue have been pocketed by them and they have never written me a letter to say that I should be making payments to any other DCA

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stop payments

 

 

await next letter

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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