Door Step Debt Collector??

brewerdave

Can a moderator move this post to the right area of the forum -its got f***all to do with Energy !!!

McKneff

just a few last pointers.


You don't owe the original company a penny, they have sold the debt on. So another compny owns the debt.
Simple as that.


My comments were of assistance, is not 'Deal with it like an adult' of assistance. Which means the same as 'get your head out of your bum'


You cant dictate what people can and cant say on a public forum.


That's it, I am done, because.....:wall:

jasonoldy69

Just had an old chap knock on our door. He said he was looking for a Miss...... . He said he was from Moorcroft, after we asked. We just denied knowledge of that person ever living here, and he walked away.

We've never replied to the letters, never answered their voicemails, and today we haven't confirmed anything at the door.

The debt is only a few hundred, apparently, and the phone company that wanted the money never gave us the option to settle the issue.

Moorcroft have nothing to do with us, and I know they have no power.

The only time to act is in the unlikely event that the phone company comes back.

The fact that Moorcroft know our names, addresses and financial situation is scarier than the debt itself. Isn't this a breach of confidentiality by the phone company?

Bluebirdman_of_Alcathays

jasonoldy69 wrote: »

Just had an old chap knock on our door. He said he was looking for a Miss...... . He said he was from Moorcroft, after we asked. We just denied knowledge of that person ever living here, and he walked away.

We've never replied to the letters, never answered their voicemails, and today we haven't confirmed anything at the door.

The debt is only a few hundred, apparently, and the phone company that wanted the money never gave us the option to settle the issue.

Moorcroft have nothing to do with us, and I know they have no power.

The only time to act is in the unlikely event that the phone company comes back.

The fact that Moorcroft know our names, addresses and financial situation is scarier than the debt itself. Isn't this a breach of confidentiality by the phone company?

Breach of confidentiality....are you for real?! You breached the contract when you failed to pay.

They have the power to get a CCJ issued against you. Considering you acknowledge you owe the money (why else would you call it a debt), shouldn't you do the honest thing and just pay it?

macman

jasonoldy69 wrote: »

Just had an old chap knock on our door. He said he was looking for a Miss...... . He said he was from Moorcroft, after we asked. We just denied knowledge of that person ever living here, and he walked away.

We've never replied to the letters, never answered their voicemails, and today we haven't confirmed anything at the door.

The debt is only a few hundred, apparently, and the phone company that wanted the money never gave us the option to settle the issue.

Moorcroft have nothing to do with us, and I know they have no power.

The only time to act is in the unlikely event that the phone company comes back.

The fact that Moorcroft know our names, addresses and financial situation is scarier than the debt itself. Isn't this a breach of confidentiality by the phone company?

So if I owed you 'only a few hundred', you'd be quite happy if I didn't pay it back then?

System

So the OP is expecting the phone company to 'write off' a couple of £00s worth of debt? As others have said, either the phone company is employing the services of a debt recovery firm or it has sold the debt on. There has been no breach of data protection and the amount of the debt will be increasing as recovery charges accrue. Debt recovery firms do not provide their services for free. Closing the door on the debt recovery team is not going to make this problem go away.

What can creditors do?

They can chase you for the debt by phone or letters; see our article about what to do if creditors keep phoning you.

They can send doorstep collectors; it’s really important to realise that these are not bailiffs and have no more power than someone ringing you. It’s unusual for a high street lender to use doorstep collectors as it’s cheaper and more effective for them to call you.

They can continue to add interest and charges to your account in line with the original agreement.

They can take money from connected accounts. For example if you have a credit card and a current account with the same bank they can dip into the current account and take what is owed on the credit card; they don’t need permission from you. This is called the right of offset.

They can issue a default notice, usually sent after 3-6 missed payments. This is something your creditors are legally required to send once you’ve defaulted on the original agreement.
They can pass the debt on to an internal or external debt collection agency. These don’t have any more legal powers than the creditor.

They can apply for a County Court Judgment (CCJ). If you receive one of these you must fill in the paperwork and make an offer of repayment for the court to consider. The court will set a repayment and it’s important that you stick to this.

Some collection agencies issue a statutory demand, a way of enforcing bankruptcy. However in most cases these are used as scare tactics and it’s very unusual for creditors to actually enforce these.

- See more at: http://moneyaware.co.uk/2011/08/you%E2%80%99re-in-debt-but-what-can-your-creditors-actually-do/#sthash.vIv0fZs5.dpuf

Richie-from-the-Boro

Does not pay council tax or the sky account either, so a serial non-payer and I assume an already expert.