Greenwood personal credit

floatylight

I have received a letter from greenwood telling me they have brought a debt I have with simply be (I do have a debt and have been in touch with them regarding a payment plan). The letter says that they want me to take a loan out with them to pay off the debt and an agent will be calling at my home to arrange this.

Now I'm almost positive they can't make me do this! Can I stop them calling at my home?

Any suggestions would be useful please.

fatbelly

Yes, well known tactic from the Provident Group. Buy a statute barred or otherwise unenforceable debt and persuade you to take out a new loan (interest free, 10% discount to you sir) to pay it off.

We have had a few threads on this theme. On the positive side, the collectors tend to be polite and do understand the word 'no'.

In your case, you say that you have been in touch with Simply Be regarding a payment plan (did you do it in writing?) and so it may not be statute barred. Is it pre-2007 by any chance, without a signed agreement. Just wondering why JD Williams decided to sell it on.

Lensman_2

Acknowledgement means an unequivocal acknowledgement that the debt exists, made in writing. An offer to pay is such. A query on the amount owing is not. Or an offer on the phone to pay - that is not either.

Sounds like you might want the "doorstep letter". A useful example below:
http://forums.moneysavingexpert.com/showpost.php?p=36068167&postcount=2

OFT guidance is that they cannot ask you to take out further borrowing to pay against a debt. So - very clearly, the answer is no.

What is the debt for? A loan? If so, there may be PPI that you can reclaim. I would also consider a CCA request to get a copy of the agreement that they are claiming the monies are due under.

FireWyrm

fatbelly wrote: »

Yes, well known tactic from the Provident Group. Buy a statute barred or otherwise unenforceable debt and persuade you to take out a new loan (interest free, 10% discount to you sir) to pay it off.

We have had a few threads on this theme. On the positive side, the collectors tend to be polite and do understand the word 'no'.

THAT is absolutely outrageous!!!

How in the name of the universe is that even legal? The more time I spend learning about consumer law, the more I think that ordinary people are being purposely kept in the dark about their rights.