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Dealing with Collection Agencies
CPO1888
Posts: 7 Forumite
Hi , at present i have no income and i have a mobile phone contract which i need to cancel..which will incour a £1000 cancellation fee...i am in no position to be able to pay this ..how is the besy way with dealing with Vodaphone and their debt collection agencies
Thanks
Thanks
0
Comments
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Hi,
Firstly don't be intimidated by there letters and calls, you can make them a reasonable offer of whatever you can afford, even if its just £1 per month, if you have no income, tell them, they cant take what you don't have, if you really cant afford anything, tell them so, have you just lost your job/redundancy ?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-letter0 -
Hi , i have depression and anxiety and i am on long term sick now on SSP , lost my house etc so i am struggling ...thanks0
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Hi , i have depression and anxiety and i am on long term sick now on SSP , lost my house etc so i am struggling ...thanks
Is it your only debt ?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-letter0 -
No , but the other 2 are managagable...my ex left me leaving me with thi mobile contract for her and her 2 children...thanks0
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i will have to resign soon due to my illness too0
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I would not worry too much about it, the debt will go to a debt collection agency eventually, whoever writes to you, simply respond, in writing, stating your situation, and weather or not you can afford to make any kind of payment, they have a "duty of care" to vulnerable people, so its important you make them aware of your situation, if you need any further help, contact the CAB or similar free organisations, I wish you luck.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-letter0
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Hi CPO1888,
I replied to your other thread here last week.
If you'd like me to look into things, let me know.
Kind regards,
Lee
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I am the official company representative of Vodafone. MSE has given permission for me to post in response to queries about the company, so that I can help solve issues. You can see my name on the companies with permission to post list. I am not allowed to tout for business at all. If you believe I am please report it to forumteam@moneysavingexpert.com This does NOT imply any form of approval of my company or its products by MSE"0 -
Hi,
I've also cancelled my Vodafone contract. My balance was just under £500. Vodafone informed me they have two debt collection agencies.
Mine was passed to Frederick sons international who added on an £80 fee and won't accept lower than £20 a month.
Fingers crossed you have better luck.0 -
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RR_summers wrote: »Hi,
I've also cancelled my Vodafone contract. My balance was just under £500. Vodafone informed me they have two debt collection agencies.
Mine was passed to Frederick sons international who added on an £80 fee and won't accept lower than £20 a month.
Fingers crossed you have better luck.
Its YOUR money - YOU tell THEM what YOU can pay. Not the other way round!
If they refuse, ask them to put their refusal in writing.0
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