Catalogue debt

DeeDee07

I have a catalogue debt of 250 not much but im not working.Its now been passed to a debt agency who wish to collect on their behalf.Can i ask them to get a copy of the original agreement with the catalogue and send it to me before i agree any repayments and if an agreement was never signed for ie it was over the net does the agreement still stand....valid without me signing thanks

scouselad1974

DeeDee07 wrote: »

I have a catalogue debt of 250 not much but im not working.Its now been passed to a debt agency who wish to collect on their behalf.Can i ask them to get a copy of the original agreement with the catalogue and send it to me before i agree any repayments and if an agreement was never signed for ie it was over the net does the agreement still stand....valid without me signing thanks

Hi

I have often wondered this to, I applied for most of my credit online wether it be credit cards, catalogues etc and with most of them I never signed an agreement on paper with a pen, just online

Once_bitten

Online agreements have the same validity as paper ones. Signing up to the T&Cs is the equivlilent of signing your name.

byebyedebt

When was the agreement taken out?

Penny-Pincher!!

DeeDee07 wrote: »

I have a catalogue debt of 250 not much but im not working.Its now been passed to a debt agency who wish to collect on their behalf.Can i ask them to get a copy of the original agreement with the catalogue and send it to me before i agree any repayments and if an agreement was never signed for ie it was over the net does the agreement still stand....valid without me signing thanks

What difference does it make.....if you have had the goods...you should pay for them! If you cant afford the repayments, then contact them and set up an arrangement.

PP

byebyedebt

The debt agency can go back and get the agreement however you time and effort would be better spent clearing the debt.

The collections agency will collect in installments if you are unable to pay but you need to communicate with them.

dmg24

Perhaps you could sell the items bought from the catalogue, and then pay them back with that money? I assume you do not intend to keep the goods and not pay back the money?

DeeDee07

God good why do some people assume i intend on not paying the debt or am thinking of ripping the catalogue off?? I asked as i was curious and no i cant sell the items as they were clothes and have been worn.
Thanks to the 'nicer' answers

cyril82

I see you've met the moral crusaders, my advise, ignore them.

if i can advise objectively... the debt collection agency are obliged to prove any debt they wish to chase. Some debts are chased on behalf of the creditor others are sold. So don't be afraid to ask for clarification.

Send a request for a copy of your agreement, templates can be found on this website.

Now i'm of the view that people should repay their debts, with the exception of where they have been victim to unfair consumer contracts, but i do not judge those who use the consumer credit act provisions to render debts unenforceable.

However, i'm also of the view that consumers should feel under no obligation to pay any money to companies who buy their debt, after all they did not lend you any money, or supply any goods, they are simply profit mongering bullies who bought your debt for a pittence...(just my opinion)

So i would advise you do request a copy of your agreement, what you do if they don't provide a copy is your own concern.

dmg24

DeeDee07 wrote: »

God good why do some people assume i intend on not paying the debt or am thinking of ripping the catalogue off?? I asked as i was curious and no i cant sell the items as they were clothes and have been worn.
Thanks to the 'nicer' answers

No reason why you cannot sell used clothes, ebay has thousands of used items for sale. If you cannot pay your bills, you need to find ways to increase your income.

DeeDee07

dmg24 wrote: »

No reason why you cannot sell used clothes, ebay has thousands of used items for sale. If you cannot pay your bills, you need to find ways to increase your income.

Im a single mother of three have just put myself through a two year teaching course,am now qualified and search for jobs everyday.Is there much more i can do? I think not we are after all in a recession!