Annoyed by these debt collection tactics

chevalier

as someone else suggested, send the letter enclosing the relevant money and then wait. They may back off when they receive the letter.
best of luck
chev
ps don't forget about and SOA we can help!

Money-come-lately

Just out of interest - how likely is the DCA to produce a signed copy of the credit agreement if I ask them to supply it? Ans also do I have to pay if they cannot?

mountainofdebt

Money-come-lately wrote:

Have any other users heard of Recoveryourdebt ? Are they allowed to bully on the phone by saying that if you do not pay within 14 days they will bankrupt you? Also, are these sort of DCA's bluffers or are they serious?

I spent the best part of 1 hour talking to this two-bit pokey company - they made it clear that they will accept nothing else than full payment - even though I told them that I had a young family. Can they really do this even if I am trying to pay? Or would a CC judge dismiss a bankruptcy petition on the grounds that this DCA will not negotiate?

Please help I'm desperate !

Look you really need to start being PROACTIVE here and not reactive.

To be honest, you seem more keen in finding ways of NOT paying this debt back rather than finding ways of paying it.

You are more likely to have a sympathetic hearing if you are seen to be proactive ......and whilst I appreciate you have written them letters offering to pay something, you would be far better off if you actually paid them something - and I would assume their argument making you bankrupt would be lessened if they were seen to be unreasonable which they would be were refusing payment.

For goodness sake send them a cheque, together with a breakdown of your income and expenditure, even if its for £10 - at least be seen to be keen to resolve this situation.

And please for goodness sake let us help you further by posting your income/expenditure details so we can help you save some money to pay off the debts quicker.

sunflower_2

but if you send them even £10 that is admitting you owe them money, so pointless in sending the letter saying you do not acklowledge ANY debt to them.

likewise if you have or are offering to pay by instalments?

so....

either you dont acknowledge the debt and send the letter and wait to see if they can supply the documents?

or you acknowledge it and send them something each month, whatever you can afford.
if it does go to court i doubt any judge will allow bankruptcy or charging order because you have shown willing to pay

Money-come-lately

Mountain, I have already sent a cheque for £25. I even set up a payment plan before they cancelled it and asked for full payment or face bankruptcy. Obviously as I cannot make full payment my only option to save my house is to find a loophole to find a way out of this debt. That is why I asked about them supplying a credit agreement. If they cannot then supply this can they force bankruptcy?

I have already recieved a statutory demand.

Money-come-lately

Is it too late to send the letter now that I have sent them £25?

sunflower_2

i would think so as in paying you have acknowledged owing them money???

unless you paid because you felt threatened?

i sent paying before to a DCA because they threatened me and i didnt owe anything - i was just too young to know better.
turns out someone had ordered stuff in my name when i left a house and they traced me

Money-come-lately

Well, I could always say that I only owed £25 ?!!

rog2

Money-come-lately wrote:

Hi rog2. Yes, they did send a statutory demand a few months ago, and I have tried to set up a monthly payment plan. But after initially accepting the plan they then wrote to me saying that they would not accept it as I owned a house. I rang them but they said that I should either pay the full amount straight away (with a 20% discount), or go with a scheme of theirs where they buy your house off you and allow you to live in it rent free for a year and then buy it back!!!!!!!!!!

You need to get some legal advice here - if, initially, they have accepted your payment proposals - I am assuming that you have kept the letter confirming this - then the fact that you are a house-owner does not seem to be any reason for reversing this agreement. What, however, they may be trying to do is to convert this 'unsecured debt' into 'secured debt', thereby putting your house at risk.

Money-come-lately

Hi Rog,

I set up the monthly arrangement by phone (and they agreed to take off a £300 + VAT charge they had recently put on) - but then I got a letter 2 days later saying that as I was a homeowner I would have to pay the full balance plus the £300 + VAT charge within 14 days or face bankruptcy !

I phoned them and they said that if I paid with 14 days thay would reduce the total amount by 20% but not take the charge off !

I'm pretty sure that this is either unlawful or sailing very close to the wind at best....................