debitas

scotlass08

i recieved a letter today from debitas, only the 3rd one i have received, adv thatcourt proceedings will comence if i dont contact them. I called them as i did on the previous occasions, but found that they were still very rude and intimidating and would not listen to anything i said, and for some reason kept repeating themselves. I tried to tell them what i could realistically afford to pay each month, which they rejected and advised that i would have to pay at least twice what i offered, in the end i got soooo annoyed that i asked to speak to a supervisor, but was just given the same speech.
Has anyone any advice on how to deal with these people?
I used to work on a collections helpline to try and actually help people to arrange plan that they could afford, but these people are just plain idiots if they think that anyone is going to pay something which is way out of reach. :mad:

GeorgeUK

So far, if they do take this to court, you have no proof that you have been trying to agree payments. I suggest you stop talking to them over the phone - you have discovered that this is a waste of time.

Write to them making an offer of payment towards the debt and include a payment with the letter (sent recorded delivery). I doubt they will send back the payment. As long as you make the payments i think they may be more inclined to keep taking them - if nothing else this would demonstrate to the court a willingness to pay.

Have you verified that this debt is yours and that it is not statute barred?

Numpty_Monkey

Some one will do it
Having fun with Debitas

If you are paying what you can afford, what can they do ,
take you to court and get what nothing extra

Don't let them bully you or threaten you:cool:
have a read of this aswell
http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Tixy

Don't speak to these bullies on the phone, always communicate in writing, you will never get anything from them by phone.

Do you have a debt with debitas? Do you agree that you owe them money? What was the debt for originally? When did you last pay debitas or the original creditor?
If they have not yet given you proof of the debt then there is a prove it letter you can send. http://forums.moneysavingexpert.com/showpost.html?p=11570893&postcount=2

If they have given your proof then there are template letters to offer a repayment plan. http://www.nationaldebtline.co.uk/england_wales/temp/7577_79531.pdf
http://forums.moneysavingexpert.com/showpost.html?p=21654579&postcount=52
(you will need to amend them to fit your circumstances but these should give you a starting point).

Don't be bullied by them, you can only afford whatever your circumstances allow and you can't pay them more than that.

scotlass08

thanks for the advice, i am paying them each month so think i will just continue to do so.

:beer:

GeorgeUK

There are template letters you can get if they start calling you all the time. Just incase they start harassing you.

jinky67

Numpty_Monkey wrote: »

Some one will do it
Having fun with Debitas

I would have:rotfl::rotfl::rotfl::rotfl::rotfl:

Jameshar73

Hi,
I am having similar problems with Debitas. Here is a copy of the letter I have just sent that explains what has happened over recent weeks.
Does anyone think I am being unreasonable? I am trying to negotiate a monthly payment yet they want one every time I call. Time to resort to letters:

[FONT=&quot]Following my letter of 27th August I have been speaking to your colleagues regularly to try and resolve the situation. I am in the process of going through a re-mortgage and intend to clear the debt once the mortgage is finalised.[/FONT]
[FONT=&quot]In the meantime I am trying to agree a payment plan but am confused by the various conversations I have been having.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I made a payment of £67.00 on September 4th and was told to wait 2-3 days for it to clear before phoning to set up an arrangement. When I did call I was told I needed to make another payment before the arrangement could commence.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I then made a further payment of £75.00 on September 25th and again was told to call in 2-3 days. I was working abroad the following week and advised I would call the week after and was told this would be acceptable.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I then received a letter dated September 29th which stated your disappointment at me not getting in touch but I had already spoken to several people on several occasions so did not understand the letter.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]When I called to set up the payment plan following the September 25th payment I was again told that I needed to make another payment before setting up the payment plan.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I then called on October 5th and agreed that I could make a monthly payment of £100 but was told this needed to be by the 16th of October. I explained that I would need to make the payments on the 25th of each month to coincide with my salary but would see if I could have something available before then,[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I have spoken to someone today to explain that I cannot make a payment before October 25th but have been advised that I need to make a payment by the 19th before I can be considered for a payment plan and that the amount needs to be £195 rather than the £100 that had been agreed a few days earlier.[/FONT]
[FONT=&quot] [/FONT]
[FONT=&quot]I am getting confused as to what I need to do in order to set up the payment plan. [/FONT]

Tixy

Hi James - you are not being unreasonable, however I would definatley stop speaking to debitas on the phone, as you have found anything agreed means very little and they will always bully you for a little bit more. The only way to set up a payment plan which will have any effect is to do it in writing, send your letters registered and keep copies of all correspondance.

I think the problem you are having is that you are being too reasonable. Take control back of the situation. You will offer them one payment a month for whatever you can realistically afford. No matter what they say there is not actually that much they can do if you take this action.

Debitas like many DCAs are really difficult to deal with and will happily lie about their powers over the phone. They are much less likely to do this in a letter.

If they have your number then if they call just ask them to put everything in writing.

Jameshar73

Thanks for the reply, that is very helpful. I'll let you know what they come back with

Jameshar73

So I thought I would update you all. I finally got a reply to the letter I posted here that I sent to Debitas questioning their reluctance to set up a monthly payment until i paid a holding sum and then the first monthly instalment. I explained i could only afford £100 a month no matter what they called it.
The letter I received back just said please phone us!!!
So yesterday i thought I would. I basically told them I want to clear the debt as soon as possible and that £100 was all i had and even that was tight. I even told them I had found an extra £30 this month. I finally got someone who seemed to want to help rather than just read out the same lines I always hear.
He wanted me to set up the plan straight away but I explained I had no more money until the end of the month. He has put the account on hold until Nov 20th at which point I am told I can set up a payment plan to start at the end of November to coincide with my payday. I bet when I call back on the 20th I get someone else who will want more money first!!