Payment demans and tracing services

morpheus83uk

Hello,


I have another post regarding debt collection letters which I am ignoring as per the advice given. This time from Debt Recovery Plus Ltd.


However I have a new one now which clearly states "Demand for payment" my first question is can they actually demand anything? As I understand they cant 'demand' but politely ask so is this legal?


Secondly it states that the information they had was incorrect which it was and have "utilised a tracing service which has provided the above new address as your most current address" again are they legally allowed to do this or does this need some form of court agreement?


Thanks


James

Fruitcake

morpheus83uk wrote: »

Hello,


I have another post regarding debt collection letters which I am ignoring as per the advice given. This time from Debt Recovery Plus Ltd.


However I have a new one now which clearly states "Demand for payment" my first question is can they actually demand anything? As I understand they cant 'demand' but politely ask so is this legal?


Secondly it states that the information they had was incorrect which it was and have "utilised a tracing service which has provided the above new address as your most current address" again are they legally allowed to do this or does this need some form of court agreement?


Thanks


James

If this latest letter is for the same parking incident as your other post, you should keep them all in the same thread, not start another one.

Debt collectors have absolutley no power whatsoever. I can demand that you read my post, but there is no law that says you have to. The same applies to debt collectors.

I don't know about the lawful nature of tracing someone, but it is irrelevant since you should be ignoring them. They are trying to intimidate and make you question your actions. Don't do it. Just keep ignoring them as you have already been advised to do.

AltheHibby

Speaking as an accountant (sorry!), they can "demand" anything they like. However, with PPCs, and especially debt collectors, treat the demand as you would a demand from a screaming toddler. :-)

HO87

Many people say that debt collectors serve no purpose. I disagree. The HO87 Jnr's discovered some years ago that their letters (addressed to a previous occupant), when shredded, made excellent hamster bedding.

One would have thought that as the letters were based entirely on BS that they wouldn't have been capable of absorbing any more. Au contraire - they were very absorbent it seems, soaking up all the urine and faeces the little balls of fluff could produce. How appropriate.

morpheus83uk

Thanks for the replies I have since got another letter from DRP stating Notice of intended court action - unpaid parking charge

Is this actually what it says on the tin or something else to ignore? Are Excel going to actually try and take me to court if I ignore this letter?

It states "To prevent this case being passed to the creditors solicitor to commence court proceedings you must pay the full amount..."

I presume they cant pass it to the creditors solicitor but only recommend but I don't know. Hence I am checking here...

Thanks

James

bazster

They are lying. Excel taking it to court is the very last thing DRP wants because then DRP wouldn't get a penny.

Excel does try the odd court case themselves but it's very, very rare.

Guys_Dad

They can pass it to who they want, but only the claimant can instruct a solicitor to act for them.

All bluff and bluster so far and we don't need to hear about any other threatograms unless one comes from court - (Usually Northampton).

Chill till then.

morpheus83uk

Thanks for the replies sorry its take a while to reply.

The reason for my asking is firstly to ensure what I thought was correct and secondly Excel seem to be transferring this debt quite a lot as soon as one collector stops with the letters another about a week later. Is this normal or does this seem like it would go to court?

I know that its normal to transfer the debt to different suppliers to try and recover the debt over time however this many seems a bit much since when they put the debt out to Newelln the first time it was around 6 months before I heard anything again and it seems a bit none stop at the moment.

Thanks

James

Grimble

It is the same debt collectors using different names.

morpheus83uk

Ah that would explain it then.

Thanks for letting me know.

James

HO87

And the debt will not be being transferred. Excel are simply paying a small fee for letters to be sent out. This is standard DCA fare - switch the source from whom the demands originate as often as possible so as to create a sense of pressure. There's no pressure once you understand the way it is being used.