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What Do I Do Next?
Arizona
Posts: 9 Forumite
Hi
I recently had some trouble with Moorcroft debt collectors over an old NPower debt which I didn't think I owed completely (part of it maybe but not all).
I sent the letter about proving my debt to them and have recently received a letter. It is not at all what I expected. This is what it says:
"Further to your recent correspondence, I write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further."
That is it. Very short and not sweet.
So now I have no idea what to do next. They have not sent any proof. Does this letter mean they have none?
Please help if you can.
Thank you
I recently had some trouble with Moorcroft debt collectors over an old NPower debt which I didn't think I owed completely (part of it maybe but not all).
I sent the letter about proving my debt to them and have recently received a letter. It is not at all what I expected. This is what it says:
"Further to your recent correspondence, I write to confirm we require a monthly repayment proposal you can afford and maintain, to enable us to assist you further."
That is it. Very short and not sweet.
So now I have no idea what to do next. They have not sent any proof. Does this letter mean they have none?
Please help if you can.
Thank you
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Comments
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One debt remaining. Home improvement loan.0 -
They don't even know how to read do they?
You should not be setting up any repayment plan for a debt if you don't even know the debt is yours. That's just idiotic.
I would write a letter of complaint to them stating that you requested proof that this was your debt and were given incorrect advice as they stated they would not be able to assist you unless you made a repayment proposal.After falling off the gambling wagon (twice): £33,600 (24,000+ 9,600) - Original CC Debt: £7,885.91
Dad Gift 6k ¦ Savings & Inv Tst: £2,500
Loan 10k: £0 ¦ Dad 5.5k: £2,270 ¦ LTSB: £0 ¦ RBS: £0 ¦ Virgin £0 ¦ Egg £0
Total Owed: £2,270 (+6k) 11/08/20110 -
I agree with GeorgeUK
If you dispute the debt then write to them only to provide you with an account of the alleged debt. At this stage, keep it short and sweet - you can sometimes say too much. Send the letter by Recorded Delivery post; this will also serve to suggest you intend to fight your corner. Until they can offer evidence of any debt then pay them nothing.
Warning: In the kingdom of the blind, the one-eyed man is king.
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Thanks guys. That's really helpful. I was so stumped when I got the letter. I kind of stood with my mouth open for a few minutes
I'll write the complaint letter asap and see what joys I get in the post next.0 -
I would advise that you insist in your letter that they communicate with you by post only. This should avoid any threats of visiting or telephoning you to harass you.
Once you have asked them to only write to you, they commit an offence by contacting you in other ways. This gives you time to consider any response.Warning: In the kingdom of the blind, the one-eyed man is king.
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