gpb Solicitors going postal on me...??!!

stamina9008

It's regarding a debt for 768.07 with Lloyds..

The letter says that iQor Recovery Services have instructed them about this debt and that if now pid within 7 days i will receive a CCJ.
It even details Court Fees and Solicitor Costs..
Obviously i must engage this somehow, but i really dont have the money, struggling at the moment a little bit aswell..
If it goes to court will i be informed, will i have a chance to be in court regarding this debt?
The debt is now 3 years old.

Lensman_2

What you have is a "hello" letter from a bottom drawer DCA. They are very helpful in telling you what "might" happen "if" they "apply" for a CCJ. Including all those costs.

The whole thing is designed to panic you in to ringing them up where they can put the thumbscrews on you to extract a payment. I am sorry, but they look like they have succeeded.

Please DO NOT CALL them. The "mights" will turn in to "wills", the "ifs" in to "whens" and you will be bullied in to a payment plan regardless of what you can afford.

Please re-read the letter tomorrow morning and you should be able to recognise it for exactly what it is. A threat-o-gram.

The truth is that very few debts actually make it to court.

Have you done a SOA and worked out what you can afford?
Have you got a payment plan with Lloyds already?

Happytohelp88

The letter is NOT to panic you, but to advise you of what could happen if you cannot pay or make an agreement to pay. Legally when your account is passed to Solicitors they have to advise you weather they do take legal action or not as they are entilited to do so if thier clients wish so. Call them, they are not like DCA, they will require the money in full but if u cannot do this, they will come to a more suitable agreemnt, If it goes to Court you will be liable for the fees. So dont wait to go to Court, they are understanding to people circumstances. and will take a financial statement from you to see what you can afford. As long as u stick to an agreement, they have no legal righ to take court action.

If you owe the money, and can make a form of offer of payment then i suggest you ring them. Ignoring them is silly, it wont resolve the problem.

tallyhoh

Happytohelp88 wrote: »

The letter is NOT to panic you, but to advise you of what could happen if you cannot pay or make an agreement to pay. Legally when your account is passed to Solicitors they have to advise you weather they do take legal action or not as they are entilited to do so if thier clients wish so. Call them, they are not like DCA, they will require the money in full but if u cannot do this, they will come to a more suitable agreemnt, If it goes to Court you will be liable for the fees. So dont wait to go to Court, they are understanding to people circumstances. and will take a financial statement from you to see what you can afford. As long as u stick to an agreement, they have no legal righ to take court action.

If you owe the money, and can make a form of offer of payment then i suggest you ring them. Ignoring them is silly, it wont resolve the problem.

They are a firm of debt collectors not solicitors. You don't happen to work for them I suppose?:rotfl:

darren_clarke

i have a friend who works for a solicitor, she spends half the week working for the "solicitor" and the other half work for the "debt collecting" side of the business, basically, when they are debt collecting they use the name of the solicitors, so people think it is further down the court line than it is, so people panic and try to pay up,


if you want to buy time, ask them to prove the debt

matttye

If these companies are saying people WILL receive a CCJ (and not 'might,' 'may,' etc.), I don't think the courts will be too happy about these companies making decisions for them!

sourcrates

Hi Mattye,

In my experience, and ive had a lot of experience with companies of this nature, the more you correspond with them, the more they will hasstle you, NEVER speak to them on the phone, only correspond in writing, there "threatograms" are designed to frighten you into calling them, which you should never do, if you really dont have any money to pay this debt at the moment then I would ignore the letters, they will pursue you for a while, but then turn there attention to someone else who is more compliant, they buy these debts for pennies sometimes and its very rare a case would end up in court, they can take years going through the motions of getting you to pay, as taking you to court costs them money, true you may have the burdon of any court costs but by nature of been in this position in the first place you probebley dont have the money anyway, and they know this hence most threats of court action are just that, threats, if at some future time they or another DCA contacts you again, and you do have spare cash to pay them, then you can write and make an offer of payment, but please dont feel pressured into paying something you cant afford, if you can pay say £1 a month then do so, at least it shows your willing to pay what you can, just remember they have no more legal power than you or I do.

pogofish

Happytohelp88 wrote: »

The letter is NOT to panic you, but to advise you of what could happen if you cannot pay or make an agreement to pay. Legally when your account is passed to Solicitors they have to advise you weather they do take legal action or not as they are entilited to do so if thier clients wish so. Call them, they are not like DCA, they will require the money in full but if u cannot do this, they will come to a more suitable agreemnt, If it goes to Court you will be liable for the fees. So dont wait to go to Court, they are understanding to people circumstances. and will take a financial statement from you to see what you can afford. As long as u stick to an agreement, they have no legal righ to take court action.

If you owe the money, and can make a form of offer of payment then i suggest you ring them. Ignoring them is silly, it wont resolve the problem.

Ignore this idiot stooge - Pretty much outed itself with its past posts and outright lies on the Parking Tix board yesterday!

poppasmurf_bewdley

Happytohelp88 wrote: »

The letter is NOT to panic you, but to advise you of what could happen if you cannot pay or make an agreement to pay. Legally when your account is passed to Solicitors they have to advise you weather they do take legal action or not as they are entilited to do so if thier clients wish so. Call them, they are not like DCA, they will require the money in full but if u cannot do this, they will come to a more suitable agreemnt, If it goes to Court you will be liable for the fees. So dont wait to go to Court, they are understanding to people circumstances. and will take a financial statement from you to see what you can afford. As long as u stick to an agreement, they have no legal righ to take court action.

If you owe the money, and can make a form of offer of payment then i suggest you ring them. Ignoring them is silly, it wont resolve the problem.

This post sounds like it'd been written by a trainee solicitor, who has to show his teacher that he has a grasp of the debt collection system. Unfortunately for him, he will fail as he obviously doesn't have a clue.

Heffi1

This thread was started back in August and has probably been settled now. Happytohelp88 bumped it up with the comments he made so it can be discussed again. Pointless really as the OP has not been back.

pogofish

Yup - Which makes me more likely to think its a company stooge.

It has been posting on current threads elsewhere, so I highlighted its codswallop here more for the sake of anyone else who may stumble on this thread via Google or the like.