Debt passed on to another agency

honeyD

Hi, following on from this thread about Moorcroft: http://forums.moneysavingexpert.com/showthread.html?t=2096887
I had asked for a full and final settlement and they passed on my debt.
I have now received a letter today from EOS Solutions asking for £150 payment, but I only owe £140! I know its only £10 but thats a lot when you dont have much! :mad:
It also says their client is Phoenix Recoveries but I have no idea what this is? My debt is with a catalogue company so Im a bit .
Can anyone point me to a "prove it" letter please?

Alias_Omega

I would repeat the same steps as the last thread, hopefully you have the letters on the computer saved, edit a few bits and away you go.

I wonder if you can drag this out for 6 years.

honeyD

Hi thanks, The link posted on that thread doesnt seem to be the one I need as I didnt send a CCA request? Would the account still be in dispute because I offered f&f? Sorry, not very good with these things.

BOB_A_H

There would appear to be about a million of these " Recovery, Solutions etc " type companies out there. Must be easy money. Why are so many licences granted to these scumballs? Bet most of them are run by ex-cons and the likes. I for one could not sleep at night if I was making my crust preying on the vulnerable and unfortunate.

honeyD

Can anyone help with what letter I should be sending to these people? I just want it over now, I hate having this hanging over me.

DarkConvict

Some points you can write in are, as the amount is wrong and they never informed you of a change.

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

2.5 Putting pressure on debtors or third parties is considered to be oppressive.
2.6 Examples of unfair practices are as follows:
c. using more than one debt collection business at the same time
resulting in repetitive and/or frequent contact by different parties
d. not ensuring that an adequate history of the debt is passed on as
appropriate resulting in repetitive and/or frequent contact by different
parties
e. not informing the debtor when their case has been passed on to a
different debt collector

honeyD

Should I send a CCA? Or should I write a letter saying I asked moorcroft for a settlement and theyve now passed it on and the amount is not right.. then send a CCA? Im confused and want to get something sorted before christmas.

pepe2008

If EOS Solution are a Debt Collection Agency, then send them a CCA request.

If they are a 'get you out of debt' bunch of monkeys then tell them to *** off and leave you alone.

They should state who they are on their letter head.

Hope tht wasnt too blunt.

pepe2008

EOS Solutions are a Debt Recovery Agency. CCA request.

...and they cant make any charges unless it goes to Court successfully.

honeyD

I sent a full and final settlement letter to EOS offering £50 on the £140 balance. They have declined saying they will accept £127! :mad::mad::mad:

pepe2008

Unfortunately, you have now admitted the debt. However, offer them £51 and say that is all you can possibly raise as a settlement. make an offer of a very low monthly payment as an alternative.

if you can produce a Financial Statement ( List of Income and Expenditure ) to back that up, then all the better.