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Abbey sell on aged debt to third party whilst court case in process


moontrev
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Hiya,

We had an account with the Abbey, which we have been trying to close for 6 months. We have a court date to take them for bank charges, unfortunately due entirely to these charges our account (which we have not used for 6 months) is overdrawn.

Their debt management department have been in touch, who state that they will now "sell this debt" to a debt collection agency.

As this account is subject to a greater claim on them than the ammount the account is is debit, what will the debt management agency be able to do?

Presumably they will have to apply for a court order before the bailiffs can become involved, if so would the judge take into account the fact that we are claiming from them more money than we owe them (If that makes sense)

Any help would be appreciated

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Hiya,

We had an account with the Abbey, which we have been trying to close for 6 months. We have a court date to take them for bank charges, unfortunately due entirely to these charges our account (which we have not used for 6 months) is overdrawn.

Their debt management department have been in touch, who state that they will now "sell this debt" to a debt collection agency.

As this account is subject to a greater claim on them than the ammount the account is is debit, what will the debt management agency be able to do?

Presumably they will have to apply for a court order before the bailiffs can become involved, if so would the judge take into account the fact that we are claiming from them more money than we owe them (If that makes sense)

Any help would be appreciated

 

As you have a claim in court I would assume that even the abbey twits would know that the account is in dispute send them a letter by registered post advising them of this and keep a copy if they sell it on send copy to debt collection with CCA request from them.This should (if they have any brains) make them send debt back to abbey.

 

good luck dpick

cannot find it A to Z

 

http://www.consumeractiongroup.co.uk/forum/consumer-forums-website-questions/53182-cant-find-what-youre.html

 

 

Halifax :D

Paid in full £2295

 

MBNA:mad: 20/03/2008 settled in full out of court

 

Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs

 

Littlewoods :-D

12/08/2007 write off £1176.10 debt.

 

JD Williams charges refunded in full £640

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Thanks to both of you for your suggestions, the PDF was particularly useful. I will post further when I have more news.

I will be writing to the Abbey debt management agency to infom them of the legal state of the account, ie is is subject to County Court Action.

Best regards Trev

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