Where do I stand?!

UKNorthEast

I don’t know if I have posted this in the right forum but hopefully someone can help.

My wife has received a final demand from Lewis Debt Recovery for an outstanding amount on a Next Directory bill. However, we just don’t have the enough money at this moment to pay the full balance stated on the letter, so I rang the company to set up a payment plan by standing order, however, they said that I and they don’t have authorisation to set up this plan even though the account is a joint account. They did say if I so wished, I could make a payment to the account today.

My question is, how can I have authorisation to make a payment from said account but not set up a payment plan??

Help would be much appreciated!!

Thanks

Sammy_Girl

Hi there,

The best way to deal with Debt Collection Agencies (DCA) is to communicate by writing. Pen them a letter from your wife asking them to accept £x per month. It is highly unlikely that they would refuse. Pay them what you can afford each month until the account is clear.

For the best advice, I would head over to the Debt Free Wannabee board as they have very knowledgable people on there who can assist you with handling the DCA.

Good luck

UKNorthEast

Thanks very much Sammy_Girl!!

louiser123

they probably mean they cant speak to you for an account not in your name, sammy is right write to then on your wifes behalf but make it look like the letter is from her

UKNorthEast

louiser123 wrote: »

they probably mean they cant speak to you for an account not in your name, sammy is right write to then on your wifes behalf but make it look like the letter is from her

The date they expect payment is Monday - what will happen if they havent received the payment?