reliable collections letter help please

mandyl

hi
wondered if anyone can confirm and put my mi nd at rest please?
had letter this morn from reliable collections, they have been recently contacted by my debt case worker re token payments. they confirmed it could take them 6wks to look at this.
their letter today says,ive ignored their letter which i have not and now their threatening ccj for full amount and balliffs!
im sure im right that they cant send balliffs but im worried
also is there a letter i can send to them in response or is it best to ignore. thanks for any help.

mandyl

anyone?

Caroline_83

Contact them. Never ignore letters as the problem doesn't go away. If you have not received the original letter that they claim you 'ignored', explain that you never had one and would appreciate it if you could negotiate a payment plan that you are comfortable with.

fermi

Debt case worker with who?

If you have one, then pass it to them.

It is a breach of OFT guidelines for a DCA to bypass your appointed representative and contact you directly.

Bailiffs could only happen if you didn't pay what the court ordered.

You and your caseworker would have ample opportunity to get what the court sets at something reasonable, even if at first they order something that you can't pay.

Bailiffs are used a lot as a threat, but are only rarely used. (a) the creditor rarely gets the opportunity to decide to use them and (b) they usually don't/can't recover anything anyway, so using them is a waste of time.

So try not to worry about these silly threats.

mandyl

thanks fermi,
im such a worrier, caseworker is/was with communitty legal services.
they have helped me set up token payments and contacted my creditors etc. iam now managing it on my own until i can apply for my dro. cls can only help for a limited time due to their funding etc.
Thankyou very much for you reply i thought it was the case but having someone who, knows and understands is a great help.
thankyou:)

fermi

In the unlikely event that the issue court proceedings, then get help from your case worker if you still have them at that point.

Or post up here and we will help you make sure that it never gets to any stage where things like bailiffs can be used.

Threats like these are designed to scare any worry you, but more often than not nothing ever comes from them.

And of course if you are going to apply for a DRO in the near future, then these threats are even more meaningless. The DRO would stop and prohibit any such action from being taken.

mandyl

thankyou again fermi,
they have said they can help if anyone does go to court. i will also come on here as its a great help to me.:)

stclair

If you have sent a letter they have a 6 week if not more back log and all there letters are sent out in stages and are system generated.

tommytynan123

''reliable collections letter help please''

Ignore the threats but do not ignore the snag. Talk to them (by letter) and through your helpful advisor. Offer what you can and pay it. They can then do nothing really.

I had a letter recently from a DCA threatening a 'doorstep' even though I had paid on time for the last 14 months. Rather than the standard template I actually invited them down to Cornwall for tea and a scone etc. I also said how much my 2 little twin boys would love to meet them. I then said that actually my 2 little boys are 24 yrs old twins who are about 5' 10'' and over 16 stone who play front row for a Rugby Union team. (absolute truth). Reply just said 'If I maintain payments etc .. no calls etc'' Split my sides.

mandyl

stclair wrote: »

If you have sent a letter they have a 6 week if not more back log and all there letters are sent out in stages and are system generated.

thankyou, yep theyve had my budget type letter and two phone calls.
i sorta knew but as im such a worrier it bothered me.

mandyl

Caroline_83 wrote: »

Contact them. Never ignore letters as the problem doesn't go away. If you have not received the original letter that they claim you 'ignored', explain that you never had one and would appreciate it if you could negotiate a payment plan that you are comfortable with.

theyve had several letters from my debt case worker and several phone calls from them and myself!
theyve been offered token payments as my other creditors but they are dragging their feet.
i was just fed up with the accusations they make in their letters and wanted reassurance