dca letters

mandyl

hi
sorry for being such a wimp but i dont have anyone else to talk to.
this morning i received a letter from reliable collections AGAIN. this time was quiet upsetting.
they keep sending me threatening letters ,they acknowledge theyve been contacted my community legal advice who are helping me but still insist on sending these letters
i have also received a letter from moorcroft saying pre court division. saying if i dont pay by the 7th legal action may be taken.
im in floods of tears here and wish i had the money just to pay them.
can anyone give me some reassurance please?
thankyou mandy

broadpaws

Mandy,

I presume you have a 3rd party helping you? Just read the letters and then pass them on and ask the 3rd party for advice. Lots of these letters are automated.

DarkConvict

Letters are auto generated, may take court action is a scare tactic. Key word is 'may'

mandyl

hi broadpaws,yep 3rd party are helping me,my case worker is training today.
i will pass them on. thankyou very much both of you it really helps me to have support. damn depression is awful at times.
broadpaws is ur name after a pet dog?
we had gsd when i was young they have great big paws dont they when puppies.

UnderPressure

Hello

Just pass the letters straight on without even reading them, when you open them and you realise they are from these scumbags straight away pop them in an envelope and send them to your case worker at community legal.

These debt collection scumbags are all about empty threats and intimidation when in the realy workd apart from taking you to county court there is nothing at all they can do. Dont be scared of county court if you have nothing as long as you communicate with the court you will end up in a much better position afterwards with payments you CAN realistically afford.

Chin up these debt collection idiots want you to fell scared and intimidated dont let the win its all a mind game

On a side note, the dramatic title to your post will not entice people to read, it is much better to use informative information in your title's rather than emotional, then people with the relevant knowledge you are seeking will automatically read.

best of luck

RAS

Hi Love

A number of DCAs have programme of letters. They will repeatedly send out letters indicating that someone is making NO payment for instance even when the person is making agreed payments. Just because they have a list of people owing money, as below target and think frightening people will bring in a few extra quid. No thought to the upset people have when they receive the letter.

Do not take it personally, the letters have nothing to do with your actions.

Pass them on to your caseworker, unopened if you can.

Fitzer2000

Chin up Mandy, There's little they can do, honest! Stop worrying. Could you post a Statement Of Affairs here and we can see the kind of debt you're dealing with. There may be options we can help you with. But most importantly, DON'T let them bully you, you'll get all the help and advice you need here so stop worrying!! And thanks for posting :j

mandyl

just wanted to say a really big thankyou to you all for replying and support.
im such a worrier and cant stop thinking that in the end my creditors will take my things away. i only have my stuff that makes me feel safe now oh and my lovely cat. or is that savage tabby cat lol.
mandy x