Threatening letter from insurance company

facade

shortchanged wrote: »

Why would you owe debt collection fees if there is no debt?

Because someone has to pay the debt collectors, so they add their fees to the debt.

Yes I know the original debt to recover is zero. It will make amusing reading in the local paper, and no doubt Dom or Watchdog would make 10 minutes of TV from it, but these things are computer generated, and are part of a machine that will just grind on without human intervention.

The correct course of action is to contact the company and get it sorted out. Leave the amusing replies and runarounds for someone else, who doesn't mind a bad credit rating, and bailiffs crawling over their property.

Nodding_Donkey

shortchanged wrote: »

Why would you owe debt collection fees if there is no debt?

facade wrote: »

Because someone has to pay the debt collectors, so they add their fees to the debt.

:rotfl::rotfl::rotfl:

InsideInsurance

Its a simple computer glitch, I'd guess a rounding issue where you actually owe less than £0.005 which obv should be wiped off but has gotten stuck in the system but of cause letters will only print the first 2 decimal places.

Personally I'd just phone them, using saynoto0870.co.uk if necessary, and have a bit of a laugh about it with the operator about what payment methods they'll accept etc

Quentin

facade wrote: »

Because someone has to pay the debt collectors, so they add their fees to the debt.

Yes I know the original debt to recover is zero......

You say you know the "original debt is zero", so why post this scaremongering tosh about the OP having to pay the debt collector's fees?

facade

Quentin wrote: »

You say you know the "original debt is zero", so why post this scaremongering tosh about the OP having to pay the debt collector's fees?

For the last time:

These things are all automatic. They will grind on unless someone with some common sense intervenes.


The debt collectors fee will become part of the debt, just like the £25 unexpected overdraft fee becomes part of your accidental 50p overdraft- ever tried getting that back off your bank? Yes it can be done but it isn't easy.;)


All it takes is a phone call (and ask for written confirmation that the account is settled). Much easier than trying to sort out a mess later on.

If you don't believe me, stick two fingers up and see what happens

Herzlos

It'll become part of the debt but the court wouldn't uphold it. If there was no debt, there can be no fees associated with pursuing the debt. The company will have to take it on the chin.

Quentin

facade wrote: »

For the last time:

These things are all automatic. They will grind on unless someone with some common sense intervenes.
...........

If you don't believe me, stick two fingers up and see what happens

No-one believes you.


No debt collector will spend anything on chasing a £0.00 debt! (Your example over the unauthorised overdraft is totally irrelevant)


You are scaremongering.


At least you say it's "the last time" you are going to try scaring the OP with your tosh.

Paradigm

facade wrote: »

For the last time:

These things are all automatic. They will grind on unless someone with some common sense intervenes.

A court case isn't automatic, someone has to fill in the details on the claim form.

The form asks...

Brief details of claim.
Value.

You really think a debt collection agency is going to submit a claim for £0.00?

Nodding_Donkey

Debt collectors can't take anyone to court

Paradigm

Nodding_Donkey wrote: »

Debt collectors can't take anyone to court

Who told you that? Yes they can!