United Kash purchased Different Money Debt

[richardidk123]

Hi all,

 

I have been viewing this forum on and off regarding debt problems throughout the years and have recently had a disturbing phonecall with United Kash.

 

They have advised unless I pay £530 they will do an attachment of earnings to my employer to recover the sum.

 

The debt is from 2013 originally with Different Money. They were very demanding on the phone so I have since blocked their number. They also advised they may send someone out to my parents home, where the alleged debt originated. I didn't know this was lawful in sending someone out in N.I.

 

Can someone advise how to best deal with this. I don't have the finances to pay this debt. They want a copy of my I&E, bank statements and copies of recent payslips.

 

Many thanks in advance,

Rich

[Guest]

payday loan?

is there a court judgment on the matter, or is it just a template empty threat letter. what exactly has happened. further details needed

NI = northern ireland?

[dx100uk]

please don't fall for their tactics

doesn't matter where you are

THEY ARE NOT BAILIFFS

no DCA has ANY LEGAL POWERS

 

 

and be told to leave or you'll call the police

 

 

pers i'd be ignoring UK kash

use out search and you'll get the idea

I've moved your thread to the PDL forum too.

 

 

dx

[richardidk123]

payday loan?

is there a court judgment on the matter, or is it just a template empty threat letter. what exactly has happened. further details needed

NI = northern ireland?

There is no court judgement. And yeah it is Northern Ireland.

 

 

They said they would send someone out to collect the debt but it is my parents home and don't want them involved. Are they likely to go to court for a small debt? I am worried about the potential attachment of earnings. Is this likely with them?

 

please don't fall for their tactics

doesn't matter where you are

THEY ARE NOT BAILIFFS

no DCA has ANY LEGAL POWERS

 

and be told to leave or you'll call the police

 

pers i'd be ignoring UK kash

use out search and you'll get the idea

I've moved your thread to the PDL forum too.

 

dx

Thanks for the reply also.

 

Have had a look around.

How would I go about stopping them coming out or going through the courts for an attachment of earnings?

 

 

I offered £1 a month which they literally laughed at and declined.

 

 

They want to see pay slips and bank statements.

[Guest]

There is no court judgement. And yeah it is Northern Ireland. They basically said they would send someone out to collect the debt but it is my parents home and don't want them involved. Are they likely to go to court for a small debt? I am worried about the potential attachment of earnings. Is this likely with them?

one of those template empty threats then. there can be no attach of earnings or collection at home unless there is a court judgment and then following an application for enforcement.

they shld have to do a formal letter before claim before they go to court.

as asked, give us some more background to help us help you.

have you done a cca request.

[dx100uk]

not sure why you are panicking so much here

let me guess

you've been talking on the phone to them??? if so STOP.

 

they cant get AOE

and they wont be sending anyone out

 

threats on the phone they'll never pu in writing.

 

gotta get a judgement first

 

and UKcash don't go to court

 

IGNORE

[richardidk123]

one of those template empty threats then. there can be no attach of earnings or collection at home unless there is a court judgment and then following an application for enforcement.

they shld have to do a formal letter before claim before they go to court.

as asked, give us some more background to help us help you.

have you done a cca request.

 

Haven't done a CCA. Ok I'll run through everything.

 

Took the loan with DM in 2013 for £150.

Did not pay it back as I had then lost my job and prioritised other debts over this.

 

 

Didn't hear anything until June this year when DM emailed saying they sold the debt to United Kash.

Now they have been calling and sending emails looking for payment.

 

 

Have spoken loads with them and there only seems to be two people there.

They issued a final response when I complained about the level of service.

Rejected outcome. Not going to bother escalating.

 

After reading yours and DX's comments I think I'll ignore them from now on.

My only concern is someone calling out to the home or them going to court.

Although these are unlikely, would they inform me prior to any home visit or court proceedings?

 

Any further info please ask.

 

Thanks.

[Guest]

would they inform me prior to any home visit or court proceedings?

as posted, they wont be visiting.

and, re court, a letter before claim shld be done.

 

have you been to the fos

[dx100uk]

ignore them now

you fell for the threats over the phone

 

never ever discuss your debts over the phone with anyone.

 

they say things that can never happen

simply to spook you into agreeing things.

 

ignore from now on

unless/until a claimform appears

 

and you wont get one of those now

[richardidk123]

as posted, they wont be visiting.

and, re court, a letter before claim shld be done.

 

have you been to the fos

With DM I didn't escalate after the final response so no. And haven't escalated the final response from United Kash as they didn't acknowledge or reply to my whole complaint. Still within the 6 months.

[ericsbrother]

There are not a mass of people volunteering to work as freelance debt collectors in NI and the loan sharks couldnt afford the insurance premiums for permanent staff. they are not coming round, This is a stock threat thye give to everyone. I doubt if the assignment of the debt is properly done, see what happened to MotorMile Finance this week. get following the correct procedures with a complaint and remind them of this and they will be more circumspect.

[RobbingHood]

Devils advocate here, but ultimately you'll still need to repay the loan - you did have the money after all. Just maybe don't pay the DCA, see if you can repay Different Money instead?

 

Just looked at Different Money's website, are you able to login to their account management area to make a payment? They still have a phone number on their site, maybe try that?

 

At the end of the day you will have to repay something to someone, debts don't simply disappear. Have you tried offering the loan amount plus one months interest and maybe an extra £15 for missing the repayment? That would be reasonable I would have thought. Based on £150 I'd say an offer of £200 would be sensible. As the others have said, only communicate in writing. Thing about ignoring demands like this, which I agree with the others are probably all empty threats, is that they still play on your mind. One thing is for sure, do not pay them £530.

 

You can choose to ignore them, put up with them contacting you on the phone/email (which they would be entitled to do) and perhaps then selling it onto anoter DCA in a few months time and the process starts again or just try and deal with it now and move on.

 

The loan was taken out pre-FCA rules so they're probably adding all sorts of fees to the loan which you should try and avoid paying

[dx100uk]

Debt is 3yrs old

And I expect irresponsible lending too??

[richardidk123]

An update:

 

Received a final reminder letter from United Kash. Basically it says they have written to me before with no reply and the next stage may be litigation action. Goes on to say any additional costs will have be payable by me if judgement is found in their favour. They've then offered 25% off the total owed as an offer of F&F settlement to end any possible litigation action. Finally it states I can make an offer or complete I&E.

 

Another empty threat? By far the most aggressive Debt Purchaser letter I've ever seen.

[richardidk123]

Debt is 3yrs old

And I expect irresponsible lending too??

It was my only loan with DM. I was in a bad way with late payments and defaults when they completed their checks. Also final response from them three years ago was rejected and I did not escalate. Is there any way of getting them to look at it again?

[dx100uk]

but that's all the can do is threat.

these people are not bailiffs

they have no more legal powers than you or I.

[richardidk123]

but that's all the can do is threat.

these people are not bailiffs

they have no more legal powers than you or I.

My only worry is them applying to court without my knowing of, and getting a summons letter. I do understand though it is unlikely. Just never had an instance of such aggressiveness from them.

[dx100uk]

why don't they know your real address then?

 

tell you what we find

those that scream and threaten the loudest

are usually the ones that have very few cards to lay on the table when pushed.

 

and they are offering a discount

speaks volumes.

[richardidk123]

Just got a text from them.

They're arranging for a debt recovery officer to call out within 14 days..

how do I stop this?

Or is it another empty threat?

[dx100uk]

Ignore

No powers to do anything

Not bailiffs

Dirty Mac brigade

[RobbingHood]

Why is the answer always ignore on this subforum?

 

It's not that easy, getting texts like this can really unsettle some people and advising people to ignore their debts isn't the answer.

 

I understand what you're trying to say, they don't have any powers like bailiffs but still it would be best to try and get it sorted one way or another - it obviously isn't going to go away.

 

Advising people to ignore debt collectors on a debt forum is poor practice, there is still a legitimate debt outstanding (amount should be queried).

 

If you can't afford to repay what they want, complete the I&E and get a payment arrangement in place, it wouldn't take long to settle a debt of that size. Get a breakdown of the debt first, query the charges and fees as well. It'll stop the texts/calls for a while.

 

As I said before, you did take the loan so you should make an effort to repay something as long as it's reasonable and affordable.

[Guest]

it may not necessarily be a 'legit debt'.

alot of payday 'debts' are irresponsible etc, on the say so of the authorities.

 

its ok to say ignore a text saying a collector will be coming, cause they wont (unlikely) be coming. and even if they do then they are trespassing.

 

let a matter go through the channels, inc the fos if necessary.

if its 'legit' in the end, then so be it. can deal with it then if required.

 

but, of course, if someone wants to pay on consideration of everything, and isnt up for challenging things, then fine.

 

richard, do a cca request,

and put a complaint in re any irresponsible lending, charges, etc.

if at the end it is what it is, then can negotiate a settlement.

 

texts are harmless, most modern phones can block them.

when i reported collection texts to loyds branch,

the manager rang loyds collections dca and told them to stop immed.

 

 

i know you're dealing with paydayers which maybe different to a 'loyds'. but, the practice is not condoned.

[RobbingHood]

Well, they applied for the loan, received the money and then never paid it back, so how can it not be legit?

 

Irresponsible lending is all well and good, when it suits the person who owes the money. Unfortunately recently it seems a lot of people look to that to avoid paying their debts (not referring to the OP here, just generally) - they don't mind taking the money and spending it then claim they should never have got the loan, well, you know what you shouldn't have applied for it and spent it. As much as lenders are responsible for poor checks, borrowers do need to take account to some degree too.

 

I'm not saying it was responsible or irresponsible, I don't know the background, my point was that ignoring debts is never a good idea.

[Guest]

so how can it not be legit?

as per my post. if the authorities say it isnt on consideration of the applicable law/rules etc.

 

my point was that ignoring debts is never a good idea.

not necessarily. eg one of mine is now barred mainly thanks to ignoring. the default has gone. no prejudice in the meantime re the default. as you note though, all depends on ones particular circumstances. which i pointed out.

[dx100uk]

Why is the answer always ignore on this subforum?

 

It's not that easy, getting texts like this can really unsettle some people and advising people to ignore their debts isn't the answer.

 

I understand what you're trying to say, they don't have any powers like bailiffs but still it would be best to try and get it sorted one way or another - it obviously isn't going to go away.

 

Advising people to ignore debt collectors on a debt forum is poor practice, there is still a legitimate debt outstanding (amount should be queried).

 

If you can't afford to repay what they want, complete the I&E and get a payment arrangement in place, it wouldn't take long to settle a debt of that size. Get a breakdown of the debt first, query the charges and fees as well. It'll stop the texts/calls for a while.

 

As I said before, you did take the loan so you should make an effort to repay something as long as it's reasonable and affordable.

 

but that's the moral stance

and as we too well know these people couldn't care a stuff about morals nor the legitimacy of debts they chase

 

you've missed a very important word out in this sentence..

 

Advising people to ignore debt collectors on a debt forum is poor practice, [if] there is still a legitimate debt outstanding (amount should be queried).

 

there should be a real big red IF

 

yes ofcourse debts don't go away

but that because of the DCA industry

buying and selling debts

if everyone simply stopped paying debt collectors

the whole industry would fail overnight

and you'd get the situation whereby original creditors cant and wont add anything to a debt and start to be, like what yo portray, reasonable

till then stuff 'em..

 

irresponsible lending and their responsibility for creating the situation the op is in is the true answer

not paying off bogus debt

to bogus DCA's that just use the money to line their pockets

and fund the 750'000 Claimforms theyt issue every year

again to linetheir pockets

to simply keep the whole threat-o-gram machine afloat

 

they have no legal powers

they are NOT bailiffs

ignore

 

 

the only time you never ignore is if you get a claimform.