Debt Collection Letters

ReadingFC

What happens if you just ignore them? I owe about £500 quid to a utility company, and I intend to pay it back starting 2012 but curious what's the worse they can do? Would they really take me to court over such a sum?

I should clarify I actually do intend to pay this debt back, on my own terms when I can afford to.

In the meantime their letters are going in the recycling bin!

Boris_Allen

Why don't you just pay it back in one go and be done with it?

McKneff

Of course they will take you to court for 'such a sum'
You will be defaulted and have a ccj, and your credit will be trashed for 6 years.

You used the utility, you are going to pay it, why not ring them and set up a payment plan, it will save you an awful lot of stress for the future.

Gordon_Hose

You can safely ignore the debt collection letters, you can't safely ignore a letter from Northampton County Court.

It's up to you regarding the risk you take. But IF they do apply to court, and are successful you'll have 28 days in which to repay the full amount to avoid getting a CCJ. If you can't pay in full and agree to the payment plan set by the court, the CCJ will remain on your file for 6 years.

FireWyrm

ReadingFC wrote: »

...but curious what's the worse they can do?

See this : http://www.dailymail.co.uk/news/article-2061075/npower-bailiffs-break-house-7am-raid-unpaid-gas-bill.html

That answer your question?

Bored

FireWyrm wrote: »

See this : http://www.dailymail.co.uk/news/article-2061075/npower-bailiffs-break-house-7am-raid-unpaid-gas-bill.html

That answer your question?

Why didn't he shoot them as soon as the broke into his home?
- Mark, Portland Oregon, 15/11/2011 14:45

Gotta love America :rotfl:

ReadingFC

Boris_Allen wrote: »

Why don't you just pay it back in one go and be done with it?

Because I don't have a spare £500 hanging around, not least in the build up to Christmas.

They'll get paid, starting next year. I the meantime I will spend my disposable income on beer and 'salt & vinegar chip stix'.

Gordon_Hose

S&V chip stix are my favourite too

chanz4

FireWyrm wrote: »

See this : http://www.dailymail.co.uk/news/article-2061075/npower-bailiffs-break-house-7am-raid-unpaid-gas-bill.html

That answer your question?

I wonder how much of it was real, crowbar? more like lock smith

7am start dont think so more like 8. I never get why people dont tell energy companys when they move in.

kerri_dfw

Call them and setup a repayment plan, even just a fiver might keep them quiet and stop them tarnishing your credit file.

antonic

You have a choice of :

1) Having 1 poor Xmas by paying for what you have used OR
2) Having at least 6 bad Xmas`s if the Utility get a CCJ against you and trash your credit record.

The wise man (me !) would take option 1, but the choice is yours !

ReadingFC wrote: »

Because I don't have a spare £500 hanging around, not least in the build up to Christmas.

They'll get paid, starting next year. I the meantime I will spend my disposable income on beer and 'salt & vinegar chip stix'.