Catalogue debt

DeeDee07

cyril82 wrote: »

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.

Many thanks Cyril xxx

fatbelly

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 ....

Absolutely! This is your right under the consumer credit act

Factsheet Getting A Copy Of Your Credit Agreement And Account Details

cyril82

Simon_P wrote: »

Erm.... because you said -

"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"

Eitherway, don't you think it's interesting that you didn't have a problem with the validity of the agreement when you were directly benefitting from it with all those nice new clothes & household goods it allowed you to have on credit?

More self rightous moral dribble......the mods should really start clamping down on these kind of posts as they just detract from what the site is about, consumer help.

it annoys me when i read a thread and the moral objectors out number those trying to offer sound consumer advice by around 5-1.

If it carries on i think martin will have to consider a change in site name....to MORAL GUIDEANCE EXPERT.

I vote for a ban on moral preaching on money saving expert...

rigger_john

cyril82 wrote: »

I vote for a ban on moral preaching on money saving expert...

I would like to 2nd the proposal, all in favor :rotfl:

naijapower

I third this proposal. Fully supported

bookworm1363

Completely agree with Cyril.

If the catalogue decided to discharge your debt by flogging it to a DCA, then that was their choice.

Yes, you did order the goods from the catalogue and therefore your contractual obligation is (was) to pay them. If they washed your hands off you by writing it off for tax purpose and scraping what they could by flogging it, it's a different question altogether.

Do you have a contractual obligation to the DCA? No, you didn't buy or borrow anything from them.
Do you have a moral obligation to the DCA? No, they're bloodsuckers who will lie to you, threaten you and try to force payment out of you as every penny they squeeze out of you above the 5 or 10% they paid to the catalogue is all profit to them. Neat, huh?

So yes, absolutely, send a CCA request with the statutory £1 fee and if they can't provide it (and they won't, that's not how catalogue operate), you can tell the DCA to take a flying jump. You owe them nothing.

Note of warning: this makes the debt non-enforceable, NOT written off. That means that they will still record non-payment info on your credit file so if you're worried about that, it's worth keeping in mind. OTOH, if your credit rating is already shot, it won't make much difference.

I pay my debts. I don't believe in debt evasion. I know my catalogues don't have a CCA, but I pay them for the goods, since I ordered them from them. BUT if they were to mess me about and sell off my balance to a DCA, then there is no way on Earth that DCA would ever see a penny.

Anyone who is willing to give away money to a 3rd party with whom they have no contractual relationship, if you're that desperate to give it away, send it to me, I need it a lot more than the bottom-feeders abovementioned!:rotfl:;)

cyril82

Simon_P wrote: »

You vote for a ban on moral preaching on money saving expert? And i suppose that isn't self righteous? :rotfl:

No it isn't actually, ...... but in line with what i state about always trying to helpful in my posts here is the dictionary's definition of self-righteous since you seem unsure of it's definition......

"believing in own virtue: sure of the moral superiority of personal beliefs and actions, usually to an irritating degree "

Now i wonder who that most describes, you and the rest of the moral crusaders or me for proposing a ban on you..:think:

Let the people decide.......

DeeDee07

bookworm1363 wrote: »

Completely agree with Cyril.

If the catalogue decided to discharge your debt by flogging it to a DCA, then that was their choice.

Yes, you did order the goods from the catalogue and therefore your contractual obligation is (was) to pay them. If they washed your hands off you by writing it off for tax purpose and scraping what they could by flogging it, it's a different question altogether.

Do you have a contractual obligation to the DCA? No, you didn't buy or borrow anything from them.
Do you have a moral obligation to the DCA? No, they're bloodsuckers who will lie to you, threaten you and try to force payment out of you as every penny they squeeze out of you above the 5 or 10% they paid to the catalogue is all profit to them. Neat, huh?

So yes, absolutely, send a CCA request with the statutory £1 fee and if they can't provide it (and they won't, that's not how catalogue operate), you can tell the DCA to take a flying jump. You owe them nothing.

Note of warning: this makes the debt non-enforceable, NOT written off. That means that they will still record non-payment info on your credit file so if you're worried about that, it's worth keeping in mind. OTOH, if your credit rating is already shot, it won't make much difference.

I pay my debts. I don't believe in debt evasion. I know my catalogues don't have a CCA, but I pay them for the goods, since I ordered them from them. BUT if they were to mess me about and sell off my balance to a DCA, then there is no way on Earth that DCA would ever see a penny.

Anyone who is willing to give away money to a 3rd party with whom they have no contractual relationship, if you're that desperate to give it away, send it to me, I need it a lot more than the bottom-feeders abovementioned!:rotfl:;)

Thank you thats a great help :-):T P.S whats the CCA ta x

cyril82

it means consumer credit agreement

fermi

A small, but important note.

Since the Consumer Credit (Electronic Communications) Order 2004 came into force at the beginning of 2005, CCAs completed and verified (via a tick box) online are valid.

So a creditor should still be obliged to comply with a CCA request, but to be enforceable in court any online agreement does not have to bear your actual signature.