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Hi - Help Re: J&J Collections


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Hi Everyone,

This is my first visit to the site, I have been experiencing problems with a company called J&J Collection, I have no address for them just a PO BOX in Chester.


Problems started when I lost my job & i knew I wouldn't be able to keep up the full payments on my AA Loan, I called them & they agreed that i could pay the minimum (just interest) which worked out at £30pm.


I was given the impression by the AA that my loan would just take longer to pay off as i wasn't paying the full £134 for a few months.


This was not the case, the money didn't just get added onto the end of the loan it created a seperate arrears account which i knew nothing about until I was contacted by another company called J&J Collections who were demanding the full £1,760 odd pounds. So now i have 2 loans to pay really.


I answered a phone call from them shortly after & told what had been agreed with th AA and that I was now in employment & could start back on my normal re-payments. Card details were taken & a direct debit set up for my usual monthly £134 that i was paying before.


I then this weekend recieved around 20 missed calls from this place! I answered the next call and my loan amount had changed, after much harrasment & trying to scare me into giving them another payment of £134 they said my last card payment had declined & continued to try & belittle me & make me feel like a complete loser. They were very un-professional, rude & scared me. I told them I only get paid so much & was willing to pay some money to the arrears aslo.


Surely if the card declined you get some kind of written notice? how do i know if they are telling me the truth?


Also every time I answer the phone to them a charge of £10 is added to the account, can they do this? I habve no choice but to be contacted by them as it is just an automated answer machine when i try and ring them!


I was also told that I am currently being charged at 25%, they wouldn't tell me how often or anything else.


Are the allowed to do this? I have been completely willing to carry on paying this loan & know nothing about this company, theres no record of themn on the internet etc & they could be anybody. Also I don't think there is anything about this in my original T&C from the AA.


I am really worried about this now, I saw a programme on this a couple of months ago about companies using the same nasty tactics & feel I am being treated the same.


Can anyone please give me any advice on what I can do about this if anything!



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