Viking Collections 3 day notice to pay full balance

littlefaster

Hello

Not sure if this is in the right place or not.

I had a Dorothy Perkins store card years ago, anyway I struggled making payments and it was passed over to Viking Collection Services.

I made a payment to them on Friday of last week.. all be it slightly later than I should have with Xmas and my weekly pay going in a bit later due to the holidays. It was just made over the phone using their automated service.

I have just come home tonight to find a letter dated last Wednesday. It is a 3 day notice giving me just 3 days to pay off the full balance of over £600.

Ive tried calling them but they seem to be closed and now I'm really worried.

Is this enforcable? Although its not a huge amount, its enough to cause me some worry as I live on my own and support myself financially - paying this in full in one month would mean i cant afford to pay mortgage, council tax etc..

Please can someone give me some advice.. im not going to get much sleep tonight because of this.

Thanks

wayne99

how old is the debt ?

dont worry about "you have 3 days to pay" they have no way to enforce it so its just a way to try and scare you into paying.

has a CCJ been issued for this debt ?

littlefaster

wayne99 wrote: »

how old is the debt ?

dont worry about "you have 3 days to pay" they have no way to enforce it so its just a way to try and scare you into paying.

has a CCJ been issued for this debt ?

The debt is at least 5 years old but could be as much as 7.. off the top of my head I cant remember... I do know that they're continuing to charge me interest and i'm paying £30 a month and its not going down any.

I've not had a CCJ - think that would scare the life out of me even more.

I just dont know what to do or how to handle them.

fermi

littlefaster wrote: »

The debt is at least 5 years old but could be as much as 7.. off the top of my head I cant remember...

Presumably not 6 years since you last made a payment on it though?

littlefaster

fermi wrote: »

Presumably not 6 years since you last made a payment on it though?

Ah no.. I made last payment of £80 on Friday as I wanted to try and clear a bit off.. prior to that, i made a payment in November of about £30... but the balance just doesnt seem to be going down.

PNPSUKNET

In this case only deal in writting, write to them by recorded del offering them what you can afford been realistic. If they do take it to court they will have to accept, but dont do as most and offer £1 a month as they will just take action.

Ritchie74

Viking don't issue CCJs, however if you don't keep on top of payments and the debt is sold again, the next debt collection agency might. You may have a default registered however (dependent on how many consecutive payments missed). In terms of obtaining future credit this is as bad as a CCJ. Have you had a default notice?

Agree with the above, ignore the 3 day threat, just keep up with payments and you'll be ok. If you are struggling to make the minimum, call and ask to make an arrangement with them.

Jemma-T

I'd only be worried if Viking Collections might send real vikings to your door to collect.

Unlikely, so like all these other scam artist lying debt collectors they can wait until you sort things to your satisfaction. If they are threatening you give them nothing.

And ignore them.

ElkyElky

Jemma-T wrote: »

I'd only be worried if Viking Collections might send real vikings to your door to collect.

Unlikely, so like all these other scam artist lying debt collectors they can wait until you sort things to your satisfaction. If they are threatening you give them nothing.

And ignore them.

I couldn't agree more.

The key here is to remain in control of the situation. If they do not accept any offer you make, then refuse to continue paying until they do.

They want your money so you make sure they treat you with a bit of respect first.

NickX

littlefaster wrote: »

I have just come home tonight to find a letter dated last Wednesday. It is a 3 day notice giving me just 3 days to pay off the full balance of over £600.

Ignore this. They are bullies, do not let them cost you any sleep.

Just pay what you can afford and you'll be fine. They have very little legal rights and if they do decide to send any vikings over to you, do not let them in, do not speak to them and if they don't go away call the police to have them moved on.

RobertoMoir

Tell them you'd love to help with their cute little 3 day demand, but you know the difference between debt collection agencies and "real" bailiffs so you know that they can either accept what you can reasonably offer, sell the debt on to someone else who will have the same problem or they can lump it, and you're not especially fussed either way..

Yes I am being serious.