Certain Debt collection agencies or the collection departments of certain banks run a huge business by exploiting customers based on their ignorance in matters of law and order. Some even try to deceive you. Do not become a victim. Fight back these malpractices. Here are 4 legitimate ways to stop debt collectors and collection agencies:
Debts that you do not recognize:
If a debt collection agency contacts you about a debt that you do not recognize here is what you should do to stop debt collectors:
Send a letter to the debt collection agency, that states that you have no idea about any such debt that the agency claims. Mention the account numbers or reference number that they are making the demands for.
According to the guidelines set by the Office of Fair Trading and CUPTR (Consumer Protection from Unfair Trading Regulations) 2008:
- It is unfair for debt collectors to demand for payments from an individual when they are uncertain about the debtor/debtors.
- It is unfair to track third parties for payments when they are not legally liable.
- It is unfair not to freeze collection activity during the investigation period of a queried or disputed debt.
Disregarding or ignoring claims of debts that have been disputed or settled and continual unjustified demands for payments result in psychological harassment and can be subject to prosecution.
Ask the debt collection agency to make no further contact with you regarding their demands for payments without evidence except a letter from them that clearly confirms that the matter is closed. Otherwise you may lodge a complaint with Trading Standards and inform the OFT about the same.
Doorstep visit threats from debt collectors:
If a Debt Collection agency threatens you to make a doorstep visit then draft a letter that states that you will communicate only via mails. Let them know that you have logged their constant attempts to contact you by telephone which includes the time and date of every call they have made so far. This should stop most debt collectors.
If they make an attempt to further contact you over phone it would be considered as harassment and will be dealt with accordingly.
If they intend to organize a ‘door step call’, advise them that under the rules set by the Office of Fair Trading (OFT) , they can only visit you at your home if you wish to make an appointment and you have no such wishes.
Under English Common Law for people in the United Kingdom, they can not visit you on your property without your permission. Inform them that you may revoke the implied license under English Common Law (that allows people to visit you on your property without your conveyed permission) for them and any of their representatives. If they still visit you on your property then they will be trespassing and action will be taken against them; in police attendance if necessary. Please remember never to sign your name on the letter.
Statute barred (debts older than 6 years):
If you receive demands from creditors in regards to debts older than 6 years then you can write a letter to your creditor stating that the last payment/acknowledgement on the account referred to was made 6 years ago and under section 5 of the Limitation Act 1980, your creditor can not take any court action against you to recover the alleged amount. Do mention that the OFT states that it is unfair to pursue a statute barred debt.
If the creditor persists to press for payments after the debtor has declared that he/she will not pay the debt because it is statute barred then it is harassment according to the OFT.
If you are to follow Scotland law norms then you need to mention that under The Prescription and Limitation (Scotland) Act 1973 Part1 Section 6 the obligation of paying the debt shall be considered to be extinguished if there were no acknowledgement on that particular debt made within 5 years.
Record telephone calls to stop debt collectors:
In case of continual harassment you can record telephone calls that you can use against a debt collecting agency or your bank in the event of any court action. It will serve as legitimate evidence. It is not illegal. Though this will not help you immediately but you can definitely stop debt collectors in the long run. Sometimes if you say them that you are recording their harassing calls, they may stop.
The Office of Fair Trading has clearly implemented some debt collection guidance in 2003 (updated December 2006) to protect the debtors from unfair business practices. You can read them for further help.
Do not let Debt Collectors or Collection Agencies intimidate you into paying money. Fight back these malpractices. It is true that going up against the Debt Collectors, Debt Collection Agencies or the banks is like facing ‘goliath’ but remember that as long as the law is on your side you can stop debt collectors.
Need suggestions on how to stop debt collectors in a specific situation? Write a comment here or let us know about your situation via the Ask a Question Box.
Thank you for the advice, I have been feeling scared as I have received a letter today to inform me that a debt collector will call at my home. I thought I was in dispute with the bank and asked them to send a court date, no date arrived but then this letter. My question is why, when you write to them to say they should only come to the property invited, should you never sign your name on the letter?
many thanks
Marie
Dear Sir/Madam,
I am a UK national living overseas and need your expert advice.
Yesterday, I received contact from a UK based debt collection company informing me that they had been contacted by my former bank regarding unpaid over draught amounts. From memory, the amounts were 6,000 pounds sterling which I was in dispute with the bank as I had previously asked to govern my over draught limit to zero. This took place in June 2004 and because I was living and remain living overseas I never responded to the bank as I felt I did not get a fair reaction.
Since then I have moved around living in other countries as is the nature of my work and I have never received any letter or notification from either the bank or the debt agency. Letters may have been sent but never by me.
It is my understanding from the caller yesterday that the amount of 6k would have increased considerably to over 100k can you advise if this this is the case and what is the expected amount of increase or such an amount is expected to be over a 6 year period?
I did not respond to the caller yesterday as he was abrupt and arrogant resulting in me not confirming who I was so he put down the phone after 20 minutes.
I would like your advice on the below points if you would please.
1) With the changes in 2006 to the 1974 consumer credit act would I be correct in saying that credit agreement terms issued by the bank in 2004 did not contain certain details now required under the amended act?
2) In this case, being contacted by a UK based agency can the agency enforce any actions on me living overseas (Asia), such as arrest, bailiffs, enforcement at country immigration points etc.
I thank you for your time and your response.
Kind regards
David.
Hi David,
With changes in the Consumer Credit Act, 2006 as compared to 2004 there have been a number of complaints regarding credit agreements in UK. Main issues that come up from these credit agreements are regarding loans taken before April 2007 for amounts less than £25,000 and for payments for more than £2,500 . In this case you can file your own claim with the issuing bank. You can get in touch with a legal representative to deal with this issue.
As a safe way, it is best to contact the Financial Ombudsman Service (FOS) that is now dealing with complaints for these consumer credit issues. They take action abiding by the fair and reasonable laws, codes and regulatory rules in UK. There is no charge for taking a consumer credit complaint to the FOS. The FOS can award up to £100,000. Visit them at: http://www.financial-ombudsman.org.uk.
Since your debts are not 6 years old and the debt collection agency has called you, so they can chase you as well. If they get your current address they can pursue you as well. If you feel that you are being harassed you can of course get in touch with Citizens Advice Bureau, the Office of Fair Trading, and the Consumer Credit Counselling Service. Before taking any step, it is always advisable to seek legal advice from national organizations in UK. Here are the details for your benefit:
Enquiries and Reporting Centre Office of Fair Trading
Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX
Online: http://www.oft.gov.uk/contactus
Citizens Advice Regional Office
46 Donegall Pass
Belfast
BT7 1BS
Telephone: +44 (0)28 9023 1120
Fax: =44 (0)28 9023 6522
Call the CAB hotline at: 98451 264 264
Email: info@citizensadvice.co.uk
Consumer Credit Counselling Service
Wade House
Merrion Centre
Leeds
LS2 8NG
Visit: http://www.cccs.co.uk/
Dear sir / madam
I have been contacted by a debt collector from Marston Debt Collection stating that i owe over £1100 for an old unpaid parking fine. They state they have been sent by court and have a warrent. This has been the first and only time i have been informed regarding any such dept as they state they have been sending letters to an address that i have not lived at for over three years can they still charge me this crazy amount for an apparent fine that i have never been aware off?
Can you help please
Kind Regards Jason Bennett
Hi Jason,
Sometimes debt collectors target the wrong person while they are recovering debts. This is called a ‘mis-trace’. This happens due to reasons such as a debtor changing his address. The best way is to write to the debt collection company and explain them the situation as well as telling them not to call you. Some debt collectors check the electoral register to identify the right debtor. You can also tell the debt collection agency to do the same. For more help get in touch with the Office of Fair Trading at:
Call: 08457 22 44 99
E-mail: enquiries@oft.gsi/gov.uk
Address: Enquiries Centre
Office of Fair Trading
FREEPOST
London
EC4B 4AH
i have debts that are over 6 years old, from around 2000-2002…i stayed at the address they were attached to till 2006 and did not get as many debt collection letters as i do now! i have since moved and have not heard anything in the last 4 years , i was in employment at this address till recently and since i have been recieving benefits i have been contacted by all of them…i find it strange that the minute i went on benefits that debt collection agencies targeted me….it is my belief that the DWP has given them my address! is this true? can the DWP give out my address to creditors? as i know thats whats happened, i have tried to prove on several occasions that there is somebody who works at the DWP (who i know and we dislike each other intensely!) who is abusing thier position in a government post, but without any success as i have no tangeable proof….just suspicion e.g. ive been harrassed, had my benefit stopped on numerous occassions and then told it was an error with no further explanation or apology and even had my home under surveilance and then brought in over benefit fraud allegations all of which have been dropped (as i was innocent!) then after the allegation was dropped it was re-opened a year later and when i complained was told it was a mistake!!! (i had demands in letter format for the recovery of fraudulently claimed benefits!) even though no proof of the case being re-opened could be found on thier system..and this i believe is due to the person i mention above…im just wanting to know whether it is legal and normal practice for the department of work and pensions (somebody in a position of power…and trust) to give out my private details? as thats where these creditors have obviously been given my address, i am NOT on the electoral role and i have not applied for any credit in this house…i just want to rule out the DWP giving out my address to creditors as maliscious, if its normal practice then so be it, as i have to keep a log of harrassment apparently to bring this person to justice…many thanks sarah
Hi Sarah,
Since your debts are more than 6 years old, and your creditors did not recover it, they are considered Statute Barred. This is stated under the Limitations Act 1980. So, your debt of 2000-2002 is not valid as of now.
When it comes to the DWP, there is a DPA (Data Protection Act) according to which, they are not supposed to disclose one’s information to any private body. So, it is highly unlikely that the DWP could have given your address to the debt collection company.
If there is someone who is trying to harass you by giving out your contact details to the collectors, you can take action, provided you have enough evidence. In case of such personal dislike, it is difficult to predict the next course of action. Try getting more information in order to take any action.
Finally, if your debts are over 6 years old and still the creditors are harassing you illegally, you can always take help from the Office of Fair Trading (OFT) in UK.
You can contact OFT in writing at:
Enquiries and Reporting Centre Office of Fair Trading Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX
Online: http://www.oft.gov.uk/contactus
I received a letter today about a debt that is 5 years old, so I want to ask can they still follow up on this, or can I write to them and get it to go away, and my second question is my wife filled out a stupid online experian credit report, and that is how the debt company got my details, are experien allowed to give out personal details of someone.
Any help you could provide would be very grateful.
Thanks
Gary
HI Gary,
Debts are considered Statute Barred if your creditors fail to recover debts from you for 6 years or more. This is stated under the Limitations Act 1980. But your debts are just 5 years old and can be recovered by your creditors. In UK, the Office of Fair Trading (OFT) has laid down certain rules that governs the debt collectors. If you feel that they are harassing you, you can either write to the debt collectors to stop their action or report the case to OFT straight.
You can contact OFT in writing at:
Enquiries and Reporting Centre Office of Fair Trading Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX
Online: http://www.oft.gov.uk/contactus
I took out a mobile phone contract with 3G in January 2004, I had problems with the phone and tried to return it within the 14 day cooling off period, the shop refused to take the phone back. I have been in dispute since this time with both 3G and different Debt Collection Company’s (I take it my debt has been sold on). I have never acknowledged this debt and refused to pay it. I had contacted a Solicitor who wrote to the company’s involved since then I received a letter in September 2009 from a Debt Collection Company advising that I no longer owe any money and that my credit file will not be affected.
I recently asked for a copy of my credit file from Experian on my file there is a defaulted amount from another debt collection company who say I owe them £370 odds which I am still disputing. I contacted Experian and explained my situation to them they contacted the company on my behalf who then wrote to them asking that I contact them directly which I done last week. I was told that the account had indeed been cancelled and that no money was owing. I requested it in writing and asked them to update my file.
Yesterday I received a letter from the same company saying that I owe them £537 odds. I called them up yesterday to explain AGAIN my situation and was told that there is no record of my call last week or the letter from Experian and that I still owe this amount.
Can you please advise what my options are.
Many thanks
Tricia
Hi Tricia,
Debts are considered Statute Barred if your creditors fail to recover debts from you for 6 years or more. This is stated under the Limitations Act 1980. So, if u had a debt in 2004, it is not valid as of today.
As you mentioned that Experian already has a record of you owing £370 from a company, there is no way that the same company can now claim that your debt is £537. You would need to contact Experian again about this issue. Another important thing to keep in mind is that always ask the name of the person (from the debt collection company) you are speaking with. Keep this for a record. If there are discrepancies, you should inform the company that you had spoken to Mr. A and he had given you a different story. Try to get the same Mr. A over the phone for no confusion. Keep written record of every step that you are taking, be it Experian or any debt collection company.
If the problem persists, you need to report the case to the Office of Fair Trading (OFT) in UK.
You can contact OFT in writing at:
Enquiries and Reporting Centre Office of Fair Trading Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX
Online: http://www.oft.gov.uk/contactus
hi in 2004 i ignored my debt payment like unsecured loan £25000 and credit cards £8000, i went of the rails had a bad time drugs and drink and never made another payment, im finally back on track but lately been getting letters from debt agencys about £3000 debt if i pay £850 it will be wrote off
what do you mean when you say statute barred? does that mean i will not need to pay it or when i have the money they will come for it then?
really confused
Hi Jason,
According to what you have said, you have accumulated in total a debt of £25000+£8000= £33000. Then how are the debt agencies asking you to pay £850 in order to write off the debt? Is it a one-time payment they are claiming? Have you enrolled in any debt settlement or consolidation program? I am asking you all of these questions in order to figure out the issue and hence find the best possible solution for you.
Debts are statute barred only when your creditor does not contact you and hence fails to recover the payback amount within 6 years. If there has been any active contact through mails or telephone then it does not get statute barred. For further information, you can contact OFT in writing at:
Enquiries and Reporting Centre Office of Fair Trading Fleetbank House
2-6 Salisbury Square
London
EC4Y 8JX
Online: http://www.oft.gov.uk/contactus
hi patricia,
apparently mail has been sent to an old address, ive never replied to them and the persons who were living there at the time ignored them or sent them back saying not known at this address or phoning them and telling them the same, but i myself have had not replied to any mail, and have had no telephone calls,
the £850 is to write of a debt of £3000 and if they dont get a reply by the 3rd march 10 they will send the paper work to there lawyers
im not enrolled in any program
does this statute barred still take effect with me personaly not replying to mails, or is it if anyone replys to them (without me knowing)
regards
jason
hi me again , does this statute barred mean if you havent made a payment for 6years or made contact with the creditors when they have tried to contact, as some had nbeen replied to when i was out off the country from some one who moved into the property i lived in as i moved out permamently and they got in touch with them saying i no longer lived there, i got they told they did this a few years ago when i bumped into them shopping,
but i myself have never been intouch or replied to any letters since 2003 – 2004
as i went off the rails
regards
jason
On 02/02/2010 an debt collector contacted me per mail stating I owed £53.97 on one of their accounts, the original creditor appears to be a cable/telephone company. The letter stated that this was the second letter they had written. The letter made references to possible court actions, affected credit ratings, liability for legal fees and statutory interest. Additionally, the possibility that field agents would be sent to my home to collect the full amount was also raised.
I replied to the the firm stating that this was the first time I had heard from them, that I had no recollection of incurring this debt, I was disputing I owed any money to their client and that it may be statute barred under the Limitation Act. I then requested a history of my account with the original creditor. In lieu of that, I asked for written confirmation that the matter was closed and that they would not contact me again.
On 22/02/10 I received another letter from the agency. This one stated in bold print ‘72 HOUR NOTICE. The letter stated the file was being reviewed to decide the course of action, court or a home visit from a collector. It also stated I was on ‘72 hour notice’ and “would only have myself to blame” for failure to deal with this matter within that time frame. The letter further made it clear that the way I was treating this account was “totally unacceptable” and I may eventually have to “attend court to answers questions about your lifestyle”. After another reference to court proceedings the letter closed by stating “in absence of payment or any valid dispute” they would pursue this matter.
It is more than obvious to me that the agency is in violation of a number of OFT’s guidelines regarding debt collection and I am considering complaints to the appropriate agencies. I believe if I owe a debt, I should pay it, however I feel I am legitimately disputing this debt. Is the agency required to provide me with a History of the Account, if I request it? Would they have legal standing if they were to take it to court without providing that information? Is it another violation with this letter when I stated i disputed the debt and they are continuing to press for payment?
Thank you for your help.
Regards,
Tracey
Hi Tracey,
There are a few things that need attention. First, did the debt collectors send you a history of your account? You certainly have the right to ask them for the same since they are making such claims. Just a letter from an agency stating any arbitrary amount of debt or loans cannot be produced against you by some debt collectors, unless backed up by some evidential record. Second, if the debt was never yours, why should it even be statute barred?
Write to the agency warning them that you would lodge a complaint against them since they are charging you with a debt that is not piled by you. This can work at times.
Make sure you keep record of each and every correspondence or communication of any form with this agency. This will be required if you need to take help from the OFT. See the OFT guidelines from http://www.oft.gov.uk.
OFT has a complaint form where you can lodge your complaint against debt collectors in UK. You can get in touch with OFT with your complaints and queries at:
Call: 08457 22 44 99
E-mail: enquiries@oft.gsi/gov.uk
Very good post I like your site carry on the good blog posts
Hi
I left GB on April 2008 and left my car to be sold by friend of mine. He kept it in the garage for a few months then put it away to refresh a car and sold it. Unfortunately he left it on a public road (few yards away from his drive) and I got a fine (keeping a vehicle without a valid vehicle licence) stated at my name few weeks later.
The problem is that my friend has not passed any correspodence to me at all until now.
I’d received few of letters from the police then from Magistrates Courts.
The last dated letter (mid November 2009) states that the local Magistrates had issued a warrant for mine arrest and appearance before the Court.
What actually should I do? I’m not British, have not been it the UK since I left (2 years by now), I have not realized about this legal matter. Can this case be subject of Statute Barred (or any other debt prescription) after 6 years (about 4.5 from now)?
kind regards
Tom
I have a loan which l took out in 1998 and l had insurance which was meant to look after me in the effect of redundancy, loss of job or illness.
When l lost me job two years later, l was told it could not pay out because l was not in receipt of Unemployment benefit at that time. So there was no claim from the insurance company and l could not afford to pay.
The bank now gave me a default and CCJ which lasted for 6 years. In 2006, a debt collection agency contacted me for repayment and l entered into repayment with them cos l did not know my right which was the debt should have been Statute Barred.
Last year l stopped paying due to the economic problem and now they have applied to the court to claim the money.
What should l do?
hi
how will that statute barred come into effect if the credit agency or the people who chasing you for the money been to court and obtained a judgement against u… also the debts i have are more then 12 years old…. so do i have to pay it still….
i was sent a letter today from newmans asking for 80.35 gbp
asking for immediate action of payment if full balance
this is because i havent payed my ebay sellers payment but i was not informed as i closed my email
they are asking for a reply in 7 days or they will take legal action
i called them and they said i need to pay now or i will have to pay more
i have 5 days left to pay they
i was contacted my ebay but i got there email late as i forgot my password
and i closed down my email i am nw informed my a letter it is scary i know its not alot of money but i dont want to pay what shal i do is thi sfair
Hi, My husband and i purchased our first home 2 years ago, My husband had debts over 6 yars old, We have recently been bombarded with letters from debt collectors including telephone calls demanding these debts to be settled. We have not made any contact with them as these debts are very old, We recieved a letter saying that they can now use our house to pay off the debts. Can this be done with old debts, I am getting very scared now, i dont want to lose our house.
Hi
Last year my company ( Limited) went into administration after failing due the global recession. My partner and I started a new business and purchased assets from the administrator.
The old comapny owed approximately £15,000 to one particular company. I have been recieving phone calls from a debt collectoer who refuses to give give a full name or a company name. The phone calls have been of an intimidating nature of the ‘we know where you live’ nature and ‘i’ve just got out of jail’ type. The debt is not legally owed by either me or my new comany.
I was paid a visit and asked for £6,500 to settle the matter in full, which i agreed to and therefore paid. The phone calls stopped for about 2 months but have now started again.
Any suggsetions would be greatly appreciated.
hi
i have recieved a letter from a debt collection agency claiming a reduced settlement order, from a credit card bill from about 2005, i am currently unemployed, and i cant remember the exact date might even be sometime in 2004. what can i do?
thankz
Hi,
I received a letter yesterday from a Debt Recovery agency stating that I owe £1,196.52 for a 3G contract that was taken out about 6 years ago. The letter states that the last payment made by myself was on the 11/06/2004 but the disconnection date wasn’t until 08/09/2005.
I remember taking the contract out and when it came to the end of my contract I told them, as it states in their terms and conditions, that I wished to cease supply with them. However, because it was so long ago I don’t have any proof I did this.
This is the first I have ever known about this matter as the contract was taken out when I was living with my parents and they still live at the same address, but nothing has ever gone there saying I had an outstanding balance.
I have no copy of my contract with them as to when it was taken out so cannot prove how long the contract term was (back then I think it was only ever a 12month contract).
I have tried to work out where this strange sum has come from but it doesv’t seem to add up.
Please help!!!!!!!!!
Kind Regards,
Daryl
hi we had a morgage over 16 yrs ago it was repossesed we owe 3,000 it has being passed from debt collecter to debt collecter we try and pay what we can but they insist they want more we cant afford to pay any more sometimes they threaton us with court letters my partner has high blood pressure and kidney disease and cant cope with the stress from them were do we stand with them is there anything they can do legaly if i dont pay as we are struggling thankyou.
I recieved a letter off 1st Credit saying we owed £408.20 to their client United Utilities Water Tameside. We queried this with U.U. W and found that the debt was for the period from April 2009 at a house we had sold in July 2008 so it was most certainly not our bill and some one may have used our name at that house which we know is being rented out now. We explained it all to U.U. W and we are still gettng letters off 1st Credit and they have amongst their three letters to date said they will give us three days to pay or send a debt collector to our door. This is causing us some degree of stress as u may understand. It is quite clear to us that it is not our bill. A rather worried Mr Ludlam and very annoyed with U.U. W to say the least. The new property we are in is rented and U.U.W is taking out water rates out of our bank via direct debit so they obviously know we have moved. We did inform them of our move as advised on one of their bills by phone before we made the actual move, so all should have been well.
Hi,
I have had my house repossed and have moved back to my hometown. A company who has a secured loan on the house contacted me a few days before it was repossed and I gave them my parents address as a C/O address incase I could start to get the arrears paid off before I lost it. Before I could sort anything out the house was repossed and now regret giving them any details at all.
I must admit the last two years I have been very stressed, lost my well paid job and now work earning peanuts to make ends meet. I have made an agreement with one creditor and will clear all debts eventually, I just need a bit of time to work to build up reserves [not being pestered by these morons] before I can.
They have a secured loan on a property worth £170,000, well that is what the property is presently on the market for. Total loans and mortgage secured on it is in the region of £140,000 so there is plenty of colateral if they sell it.
As I earn nothing, I offered to send them a £1 cheque per month until the house is sold as a good will gesture after which I will agree some form of payment to clear any balance over time. But the criteria was that they had to stop pestering my parents, who are elderly. I dont live at their address hold no assets there and have confirmed that with then in writing. I have also requested that all correspondence from now is in writing so I can log the agreements. They refuse to write and continue to telephone my parents.
Is there any statute that I can throw at them that covers distress to a third party I have said to them that if I get any more ill or if I cant work due to stress I will never be able to pay them what is due, nothing seems to helps, my parents are elderly and both have had a stroke in the last two years. I am living at a friends at the moment and dont want to upset him by having them chase me there. I just dont know what to do.
They hold my house as colateral for the debt and I am assuming that I will get nothing back when it sells even if there is a balance after the debts have been cleared.
Can you offer any advice?
Hi I have just had a knock on the door its 9.30pm on a Friday evening I have 2 children and not very happy. I opened the door to find a debt collector for the sum of £350 I had a letter from them and replied the last correspondence being 3 weeks ago and was awaiting there reply to see if they accepted my proposal I have had no further correspondence from them except the debt collector. What can I do about this guy knocking on my door at 9.30pm I have a disabled child and I am far from happy about this unarranged unplanned meeting I would really appreciate your help in this matter kind regards Janet
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My pensioner mother has been paying a debt collection agency for the past 4 years, they have constantly rung and told her that she should up her repayments, each time she tells them that her financial situation is unchanged. Last week this agency rang her 2 days running and once again tried to get her to up her payments, this week they have written to her and cancelled the agreement telling her tat she needs to contact them to arrange a repayment amount that they will accept or she has to repay the amount in full…… Can they do this?
hi ive got an outstanding credit card debt of 3500 its been pased to a debt collection agency and they wrote to me demandind full payment i just dont have that kind of money or i would of paid it already im a single parent and teriffied what they will do next they phone me constantly and i cant bear it anymore i am willing to make monthly payments but do they need to accept this or can they demand it all? Any advice much appreciated
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This is very much the other side of the coin but I am a private individual owed £6,000.
I was sold a car which turned out to have a questionable background and was taken away from me. I had to go to the small claims court to get my money back. Despite winning every small claims court hearing and using court bailiffs who charge for their services, I have been unable to recover the money or my costs. Ruses used include denying they are the person they are, moving, refusing to answer the door and pleading poverty. It’s been impossible to recover this money though they better off than me and can easily afford to pay. It has left me and others thousands of pounds out of pocket and in debt. What about people like me left carrying the can?
Hi
As your debt is over £600 pounds and judgement has been found in your favour, you could speak with a High Court Enforcement Officer (Formerly known as Sherriffs) they can transfer up to the High Cort (£60) and obtain a writ of ‘fi-fa’ then HCEO can then go and remove vehicles and goods from the debtor to the value of your claim, and they debtors bears the HCEO costs….companies that do this woark are SHERFORCE, THE SHERRIFFS OFFICE AND HIGH CORT ENFORCMENT, hope this helps pHIL