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  • FIRST POST
    • sams247
    • By sams247 8th Jul 17, 1:33 PM
    • 995Posts
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    sams247
    Debts whilst in prison
    • #1
    • 8th Jul 17, 1:33 PM
    Debts whilst in prison 8th Jul 17 at 1:33 PM
    Hi.

    My db has just gone to prison for 18 months. The family have been dealing with all his finances, including debts owed to three companies. Two companies are sorting out a reasonable payment scheme, the third - a catalogue company are being horrendous. Rude, hostile, threatening, now we've been told to get a solicitor as they are taking us to court. Its crazy. What can we do? They simply wont open a dialogue on a payment scheme.

    Its hard enough on the family without this, so any help would be gratefully received.
    For those who believe, no proof in necessary. For those who don't believe, no proof is possible
Page 1
    • luvsmoothies
    • By luvsmoothies 8th Jul 17, 2:07 PM
    • 486 Posts
    • 320 Thanks
    luvsmoothies
    • #2
    • 8th Jul 17, 2:07 PM
    • #2
    • 8th Jul 17, 2:07 PM
    \If the debts are in db name, then I would tell the family to stop negotiating any deal and get the companies to write to db in prison. I don't reckon they're going to get much joy there.
    • sourcrates
    • By sourcrates 8th Jul 17, 4:33 PM
    • 11,190 Posts
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    sourcrates
    • #3
    • 8th Jul 17, 4:33 PM
    • #3
    • 8th Jul 17, 4:33 PM
    Hi,

    They cant take "us" to court, unless the debts were in joint names with someone else.

    And you dont need a solicitor either.

    The catalogue company wont take action through the courts, it will first run through its standard range of threatening letters, then, after a while, they will get tired, and sell the debt on to a debt purchaser such as Lowell or Cabot.

    Who ever buys it will be able to sort out a reasonable payment plan with him.

    Catalogues, banks, original creditors, never usually go to court, they simply dont have the time or the manpower to do so, they sell their liability to a 3rd party company instead, even if it did end up in court as some stage, you/he does not have to attend in person, unless you are denying the claim completely, in which case a hearing would be scheduled at your local court, normally you admit the claim, enclose your offer of payment, and the judge just rubber stamps it, all done online and by post.

    Who is the catalogue ? tell me the name and i`ll tell you exactly what action they will take.
    Last edited by sourcrates; 08-07-2017 at 4:38 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • poppellerant
    • By poppellerant 8th Jul 17, 6:01 PM
    • 971 Posts
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    poppellerant
    • #4
    • 8th Jul 17, 6:01 PM
    • #4
    • 8th Jul 17, 6:01 PM
    Tell all three companies that he is in prison and offer his prisoner number and prison address if asked. Demand they note these details and let them know that you will be returning all mail back to them unopened.

    From that point on, return all mail back to them - a simple line through the address window with "not at this address" will do.
    • fatbelly
    • By fatbelly 8th Jul 17, 8:03 PM
    • 10,945 Posts
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    fatbelly
    • #5
    • 8th Jul 17, 8:03 PM
    • #5
    • 8th Jul 17, 8:03 PM
    Yep, those that can do the least hassle the most.

    Catalogue companies are a case in point.

    What sort of debt are the other two? How is he paying them?
    • sams247
    • By sams247 8th Jul 17, 8:07 PM
    • 995 Posts
    • 3,026 Thanks
    sams247
    • #6
    • 8th Jul 17, 8:07 PM
    • #6
    • 8th Jul 17, 8:07 PM
    Its Little woods
    For those who believe, no proof in necessary. For those who don't believe, no proof is possible
    • sams247
    • By sams247 8th Jul 17, 8:14 PM
    • 995 Posts
    • 3,026 Thanks
    sams247
    • #7
    • 8th Jul 17, 8:14 PM
    • #7
    • 8th Jul 17, 8:14 PM
    The other two dents are a card and a loan. They have accepted minimal payment which the family are paying on db behalf.
    For those who believe, no proof in necessary. For those who don't believe, no proof is possible
    • sourcrates
    • By sourcrates 8th Jul 17, 8:49 PM
    • 11,190 Posts
    • 10,848 Thanks
    sourcrates
    • #8
    • 8th Jul 17, 8:49 PM
    • #8
    • 8th Jul 17, 8:49 PM
    Its Little woods
    Originally posted by sams247
    Don't fret about these idiots, they will simply sell the account to Lowell.

    Lowell are about the easiest of DCA's to make arrangements with.

    I wouldn't lose sleep over this.
    Last edited by sourcrates; 10-07-2017 at 12:15 PM.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • sams247
    • By sams247 8th Jul 17, 8:57 PM
    • 995 Posts
    • 3,026 Thanks
    sams247
    • #9
    • 8th Jul 17, 8:57 PM
    • #9
    • 8th Jul 17, 8:57 PM
    Appreciate all the comments, thank you
    For those who believe, no proof in necessary. For those who don't believe, no proof is possible
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