Debt collector hassle

bluepeter14_2

Barbiedoll. Unfortunately the house has been sold and there's £10,000 sat in a solicitors account waiting for her to stop behaving like a spoilt brat and get in the real world ..........the only reason I paid in the first place is because my names on there and I'm an honest person.

She must be getting some kind of satisfaction out if this???

Anyway whinge over............. It's now beginning to affect my health so it needs resolving ASAP.

Do I tell her that I'm going to contact the debt agency and tell them about the money?? Or do I contact all 3 about the cash and let them thrash it out amongst themselves???

RobertoMoir

First things first.

You say you sent the forms to dis-associate yourself from this account to the bank

The debt collector now says that the bank says they never got the form.

I'd start by enquiring and if needs be complaining to the bank. Yes you were perhaps remiss about not chasing this up at the time but that doesn't mean you shouldn't pursue that angle a bit further now.

You'll notice I said that you should speak to the bank. Not your ex. Not the debt collector, not crazy joe the "pub lawyer" who thinks that they heard about a super secret EU law that means no one has to pay anyone back for anything ever. Write to the bank formally enquiring after the state of the accounts and what happened to the form you submitted. Don't pay the debt in the meantime.

Don't deal with the debt collector over the phone or at the door. Deal with them in writing only.

Don't deal with your ex over the phone. Deal with her in writing only.

People lie and its very easy to say all kinds of nonsense on the phone and deny it later but a bit more difficult to claim you never said something you wrote down and posted to someone. I can't speak to your ex (though I'm sure by the sounds of it you would have your own opinion) but the way you can tell a debt collector is lying is if their lips are moving. They are not your friend, they are not interested in solving a "problem" here, just in getting their money. If they can lie or trick you into paying that is fine by them, so don't trust them.

bluepeter14_2

Robertomoir thank you for your suggestion.
I intend to take your suggestions into consideration and contact the bank immediately tomorrow .

Could you recommend what i should say to the bank?
Is there a template for such a letter on here?

As for the debt collectors should i contact them now or wait until I've heard back from the bank??
I don't want anyone banging my door down one morning??

What legal rights do I have against the debt collectors? What do you or don't you tell them??


Thanks again.

RobertoMoir

bluepeter14 wrote: »

Robertomoir thank you for your suggestion.
I intend to take your suggestions into consideration and contact the bank immediately tomorrow .

Could you recommend what i should say to the bank?
Is there a template for such a letter on here?

There are better people around here than me to advise on the sort of letter to write and the suitability of any templates. If you have to write your own letter then I suggest keeping it to-the-point, formal, polite and simply set out your questions and concerns.

I don't want to recommend the wrong letter so I'd rather not comment further on that end of things if that's ok, the second half of your questions here is rather more my speciality so lets get on with those.

bluepeter14 wrote: »

As for the debt collectors should i contact them now or wait until I've heard back from the bank??

I'd be inclined to write to them, telling them that you do not acknowledge the debt (that is very important) and that a) You have contacted the bank to dispute any liability, and b) that you require any further communication to be in writing and will ignore anything else (there are templates for that sort of letter around here somewhere).

I don't want anyone banging my door down one morning??

What legal rights do I have against the debt collectors? What do you or don't you tell them??


Thanks again.

The only people who have the right to "bang on your door" and take your stuff are bailiffs (and bailiffs' rights are not as simple as that but this post is long enough as it is). Debt collectors are not bailiffs. Bailiffs cannot be engaged until a debtor has been taken to court, lost their case, and so-on.

Debt collectors who knock on your door or phone you have the following rights:

Their right leg
Their right arm
Their rig... you get the idea.

That's it. And yes, while I like to find interesting ways to say these things, I *am* being serious here.

Oh yes... List of things you have to tell them.

|| This space intentionally left blank ||

(If they've knocked on your door) to get off your property.
... you get the idea.

FTW

I would add - NEVER provide a signature of any kind, to any of these companies. And certainly don't speak on the phone to them.

Whether you've made payments or not, now's the time to start asking questions about each and every debt involved. What kind of debts and how many are we talking about here?

bluepeter14_2

Hi all back again,

I'm looking for some more help please?

I sent the debt collectors an unsigned letter stating the facts that Roberto moir suggested.
They replied in november by saying they would contact the Halifax to request statements and that the account was on hold.

Today I have received a letter from them saying "we are entitled to receive payment from you and enclose a copy of your agreement as requested).

This is the signature when my name was added to the account but there's no date.
No statements or nothing that shows my name being removed even though it was.
This is not the statements they were waiting for from the Halifax, just the signature.

They go on to say "make a payment within 7 days or they reserve the right to instruct their solicitors to issue legal proceedings against me without further notice".

Can they do this legally??

Secondly the Issue with the money left from the house has been split and I just have enough to clear the debts.
She signed a legal separation deed stating that she will take ownership of this halifax debt which my solicitor tells me is legally binding .
What would be my best move in relation to using this to get rid of these debt collectors please?

Many many thanks

bluepeter14_2

Any more ideas or suggestions will be gratefully received please ???