Help! - Debt company are demanding payment

giraffe69

ageing_biker wrote: »

a fool and his money

As opposed to just a fool

Cardew

ageing_biker wrote: »

dont pay it, this dca probably bought the debt for about 12p in the pound they wont take it to court

I think most of us share your dislike of DCAs and their Modus operandi, but that isn’t the issue here.

It appears the OP acknowledges that the debt is valid. Leaving aside the moral issue of paying debts, for the OP it becomes a damage limitation exercise.

You may be correct about it not going to court, but on the other hand it well might and add on a lot more to the debt.

You seem remarkably cavalier about the possible effect on the OP’s credit record; and even more so about paying a valid debt.

ageing_biker

having a bad credit record is a good thing, it stops people getting into debt

Cardew

ageing_biker wrote: »

having a bad credit record is a good thing, it stops people getting into debt

So as a first time property buyer you use cash??

A bad credit record can stop you renting as well!

ageing_biker

if the op thought the debt was valid surely they would just have paid it instead of posting on here

fishing4ducks

Thank you Gothicfairy, and the rest for your extremely helpful advice, I have just gotten off the phone and they are sending something to me so I will have paper evidence of the payment

Now to go about getting money from the others!