Comments on: How to fight against Debt Collectors – Rules and Regulations

By: owolari

owolari — Tue, 27 Jul 2010 09:56:48 +0000

hello i will like to ask a question please a credit collector wrote to me to contact them then i called them and he satrted telling me to confirm my details i told him no because i dont know who they are and they might want to use my details for fraud. then i gave him some details and he asked me for my previsious address that i lived about 8 yrs ago. i told him no i will not give him that information because the question was getting to much he then said they have been tracying me for a debt. but my question is that if i dont know about any debt in my name from previous address 8yrs ago wat can i do. pls help thanks bye

By: consumer credit counseling services maryland

consumer credit counseling services maryland — Wed, 14 Jul 2010 16:11:49 +0000

Benefits of Credit Consumer Counseling Services Benefits of Credit Consumer Counseling Services by Radhia Gulam Before thinking that all hope is lost and you will have to consider filing for bankruptcy, why not take credit consumer counseling services? Credit consumer counseling has helped many ….

By: David Kennaway

David Kennaway — Sun, 09 May 2010 14:13:21 +0000

I have recently settled in full a parking ticket offence debt with Newlyn PLC – The debt was paid in installments ,but due to severe cashflow problems, it took longer than agreed, So on making my final payment to clear the £356 debt, I found an additional sum of £123 was added, (on my account, which I had notreceived any prior notification about. Can the company llegally do this?

David

By: Loopylo

Loopylo — Mon, 29 Mar 2010 15:45:10 +0000

I have had 2 debt collection firms sending letters c/o addressed to me to my workplace.

Our MD opens all the post, my MD as said that these should not be sent to myworkplace and now he says if anymore are received then he will take displinary action against me.

what is the best way to go about complaining about these 2 companies

By: S. Broberg

S. Broberg — Thu, 17 Dec 2009 09:19:51 +0000

Here’s a Question I need help with.
I e mailed a debt agency
I offered cash, if they sent me a payment slip. They ignored the offer but I was then sent a leter from a legal firm claiming I had not made an offer, they offered me 20% off the bill if I paid them within 10 days. Do they have to write off the cash if they ignored the first offer I made? I think the offer of all the monies owned in cash is reasonable, so why would they ignore it?

By: Private

Private — Sat, 21 Nov 2009 11:41:19 +0000

In my honest opinion:

1. If you do not confirm your details to the “unknown caller” they are stuffed.

2. If you make it clear that “whatever” the issue is they must pursue in writing, and from this point onwards do not call contact me by telephone, if they still keep calling you then they will be on line for a harassment claim. (cause of action: harassment act)

3.Unless specified in the contract almost always, only the company who you entered the contract into with can sue you and NOT the debt collection agency as they have NO CAUSE OF ACTION to start legal proceedings, that includes their bluff of bailiffs. They make money out of your ignorance and fear.

4. If the debt is for just a few hundred pounds it is highly unlikely that you would be taken to court as they have to take you to county court under small claims track and it will cost them more than £500 to go that route and as they can not claim cost under small claims track they are generally stuffed. it is always worth disputing a debt upto £500 and taking the risk of going to court, worst case scenario is they win and you get ordered to pay. The court has to be reasonable so why not ask to pay say £5/week.

4. Never take a phone call from Debt collector as they will do their best to trap you into “an verbal agreement”. If they falsely claim that you have made an agreement first dispute it in writing and then ask for proof.

If people wanted to be really revengefull they could pay them in 1p instalments say 50×1p instalments one day, same the other. I wonder how much would it cost them if everyone was doing that I think it cost them 70p per instalment, I think they would go bankrupt.

By: Debbie Brown

Debbie Brown — Wed, 28 Oct 2009 08:19:26 +0000

Well Mary, if you are facing problems regarding this entire matter, let me tell you that in UK there is an organization OIA or The Office of the Independent Adjudicator For Higher Education. They provide free help to students who are facing problems while pursuing higher education. Since your matter has no court involvement you can get in touch with OIA and explain them your situation. They can help you to find out the information you are seeking. I have heard about OIA helping during similar cases.

Post:
OIA
Fifth Floor
Thames Tower
Station Road
Reading
RG1 1LX
Telephone

Enquiries Team: 0118 959 9813
(Calls to and from this Office may be monitored or recorded for quality control and training reasons.)
Fax

0118 955 9099
Email: enquiries@oiahe.org.uk

Visit their site: http://www.oiahe.org.uk/

Visit their section on How to Complain at: http://www.oiahe.org.uk/how-to-complain.asp

You can also find out whether the University has any Student’s Association. They can also help you to find out the relevant information.

By: Mary Ryan

Mary Ryan — Tue, 27 Oct 2009 19:13:38 +0000

The University said that they would inform the debt collectors if they were able to reduce the amount to £2000 but meanwhile to chase us for the full amount of £4000.00. The debt collectors have emailed saying there is no dispute and could I contact them to make payment arrangements for the full amount at this time. I am worried that the University will just say that they havent been able to reduce the amount and I will end up paying £4000 which I am not able to do. Is there any way I can find out if another student has occupied the room my daughter was due to get thereby reducing the loss to the Uni?

By: Debbie Brown

Debbie Brown — Tue, 27 Oct 2009 05:59:49 +0000

Mary, has the University told you that they will be informing about the reduced debt amount? If yes, then you will have to wait till they let you know. If not, then contact your debt collectors and ask for the details of the debt amount. They are bound to give you all the information. If they refuse, you can always report it to OFT.

By: Mary Ryan

Mary Ryan — Mon, 26 Oct 2009 14:31:27 +0000

Thank you for email.The Uni have emailed today stating that debt has been transferred to debt collectors and to deal with them and they had no further role to play in this. They ignored my comment about waiting until they confirmed that my daughter only owed the lesser amount of £2000.00. Do you think I am within my rights to wait until I get notification from the Uni about owing the reduced amount or do I have to contact the Debt Collection agency about this? Many thanks