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Refusing to accept payment
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mrwallacewallace
Posts: 5 Forumite
Hi, Can a debt collection company legally refuse my offer of payment in full. It's my wife's debt of 1300 I want pay it in full with a credit card but they have refused to accept payment from her? Any Advice much appreciated many thanks
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Comments
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Yes, They won't accept any payment by credit card.
That's just passing the debt to another company, and they are not allowed to do this.
You have to pay by debt card, or cash/ cheque, then the debt is settled.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 -
Thanks,
But is there any legal reason or actual law that entitles them to refuse an offer to pay in full. I am a third party willing to pay the debt in full the method of payment I use surely should not matter.0 -
Explain the debt, what its for and how its owed.
They may be a "loophole"I do Contracts, all day every day.0 -
The debt was a disputed credit card of my wife's she was advised citizens advice to stop paying it so it went to a debt collection agency the interest was stopped and she paid a monthly payment each month, with hindsight she would have just paid it. Anyway it is now £1300 and I have her my card to pay it they have refused to accept payment by card. I have no problem paying the debt in full. I am just about to phone them to try myself so I a need to know if this is legal is there something I can quote etc does this put them in breach of there trading association laws if they refuse to accept payment in full I need some ammo0
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Wow Wow Wow, hold ya horses,
Please never ring a DCA, always do everything in writing.
if the debt is disputed, then why would you want to pay it ?
Sending them the provit letter would be a lot better way to proceed.
They have to prove a debt is owed, not the other way round.
If you have a genuine dispute, follow it through, all the way to the FOS.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 -
mrwallacewallace wrote: »Thanks,
But is there any legal reason or actual law that entitles them to refuse an offer to pay in full. I am a third party willing to pay the debt in full the method of payment I use surely should not matter.
the only method they arent allowed to refuse is cash, they are within their rights to refuse all other forms of payment0 -
glentoran99 wrote: »the only method they arent allowed to refuse is cash, they are within their rights to refuse all other forms of payment
This is where the often misused term 'legal tender' comes in to play. Legal tender refers to means of payment recognised by law that a creditor cannot refuse as payment of a debt. You are correct that cash is the only form of legal tender, however certain coins can only be used up to a certain total value. For example copper coins are only legal tender up to a total of 20p. A creditor could refuse payment of a debt of 21p if the payment was presented in 1p coins but cannot refuse payment of a 20p debt in 1p coins.
http://www.royalmint.com/aboutus/policies-and-guidelines/legal-tender-guidelines
Legal tender only applies in the settlement of existing debt. There is a common misconception that if you offer a retailer legal tender at point of purchase that they cannot refuse it. This is incorrect. In this situation the method of payment is to be agreed between the retailer and customer. The retailer is free to decline any method of payment.0 -
Hi all, just to update they did accept my offer of payment in full by credit card after first refusing my wife I spoke with them they initially refused so I requested they send me in writing a full and concise reason for refusing my payment they then backed off she put me through to her manger who did not want to escalate it and agreed to accept my payment. As I thought after checking with there finance authority there is no legal recourse that allows them to refuse payment in no matter method is used.0
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mrwallacewallace wrote: »Hi all, just to update they did accept my offer of payment in full by credit card after first refusing my wife I spoke with them they initially refused so I requested they send me in writing a full and concise reason for refusing my payment they then backed off she put me through to her manger who did not want to escalate it and agreed to accept my payment. As I thought after checking with there finance authority there is no legal recourse that allows them to refuse payment in no matter method is used.
So you've payed a debt she may not even of owed, oh dear 😁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 -
The debt was definitely owed it was some interest that was disputed, anyway paid and she can now start repairing the credit score :dance:0
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