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advice needed regarding debt collection

smokieboy
smokieboy Posts: 11 Forumite
in Debt-free wannabe
Had a debt collector at door will be coming back on Monday as was un able to speak to them the night. Debt is for a catalogue, think about year and half old. What is the minimum amount that I would be able to offer them as already struggling with money as it is and really can't afford to much back a month. Any advice would be appreciated. Thanks.

Comments

  • GunWharf
    GunWharf Posts: 308 Forumite
    100 Posts Uniform Washer
    Hi
    Can I ask how much the Total Debt is? They may be willing to receive a very small amount or a token payment depending on size of outstanding balance.
    (Debt Jan 2014 LBM £34,000) Current 2016 "Problems" as follows:

    C Cards 1,2,3,4 WAS £18,333 NOW£0 :j...Overdraft WAS £2700 NOW£0 :j
    Secured Loan     WAS £4113 NOW£0:j.......Loan WAS £8864 NOW £6,000

    DEBT TODAY = £6,000     (£28,000 PAID OFF SO FAR!)
  • smokieboy
    smokieboy Posts: 11 Forumite
    Not sure maybe about £2000. Don't have money to offer them like some sort of lump sum, so going to have to be a monthly payment. Just managing to pay bills as it is. Don't have much money left over. Thanks
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    Who's the catalogue/collector?

    Tell them you will only deal in writing and then write the same to the account owners. You don't have to talk to them.

    They call to try and pressure you to pay or pay more than you can.
    :beer:
  • sourcrates
    sourcrates Posts: 31,814 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    If they call again take your phone and film them at the door, they don't like that lol !!! Happy_bunny advice is good !!!
    I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter
  • dancingfairy
    dancingfairy Posts: 9,069 Forumite
    As said above you don't need to deal with them at the door (they could be anybody)! As they are not proper certified court bailiffs (and it doesn't sound like they are) then just tell them you'll deal with it in writing.
    Decide how much you can afford to pay and put your offer in writing - even if it's 5 pounds a month, pay what you can.
    Regards
    df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • chelle1981
    chelle1981 Posts: 51 Forumite
    Part of the Furniture 10 Posts
    If you are struggling with this debt and other debts have you considered getting a debt management plan arranged? I'm sure others will agree with me but it is the best thing I every did- speak to payplan or step change- face up to your debts and get back on track- it is such a relief when u start paying off ur debts- it's a long slog but so worth it and u find u actual still have money to live on- I've paid over 10k off so far and have 1 year left and will then be debt free :-) s

    Sit down and do a statement of affairs- look to see where u can make savings or post on here and we will help you through it- u r not on ur own
  • smokieboy
    smokieboy Posts: 11 Forumite
    Debt is for premiar man and the debt agency is called Robinson Way. Never heard of them. Thanks for all your advice.
  • happy_bunny_2
    happy_bunny_2 Posts: 4,488 Forumite
    smokieboy wrote: »
    Debt is for premiar man and the debt agency is called Robinson Way. Never heard of them. Thanks for all your advice.

    Robinson way are quite frequent on here.

    Have a quick search.

    Don't trust them at all.
    :beer:
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