Sat here in tears

Flexible_Friend

I would just like to sympathise with you and say what a horrible man that man from the Debt collection agency sounds.

Personally I would just let him take you to court and let the judge decide how much you can afford to pay or not. Provided you are paying something, then they can't make you pay off everything at once and in any case they can't get blood out of a stone.

The agency will say in their defence that by not paying this month's £5 you have broken your side of the agreement. But I would send them the £5 and continue paying the £5 until you hear otherwise from the court.

I think this man is trying to frighten you and some of the things he's saying he's just making up. Go to the CAB and get their backing and prepare your case so you can put your side of the argument should it ever go to court.

Don't be intimidated by these people - or that man to be more precise!

Try to calm down and don't worry - easier said than done. Someone on here will help you. You are not alone.

A problem shared is a problem halved .....

Katie~baby

madmoney wrote: »

you are part of 99% of the population of this country in owing money - this guy had no right to shout at you the way he did, as jericho sed i hope you got his name so u can make a formal complaint, its totally out of order - they wont take you to court as it will cost them more in legal ffes than the actual amount u owe the, my advice would be sit tight until you start ur job then phone them with the new payment arrangement YOU have come to. hope this helps n keep us posted xxx:cool:

He said i will have to pay all their legal fees so that doesnt worry them.

Rikki

Can you find out why the standing order was not sent by the bank.

Its them that have got you into this trouble.

Kevicho

I doubt it, in small claims court legal fees are not refunded

tealady

Don't worry about bailiffs it would have to go to court 1st and a bailiff has to get in 1st so don't leave doors or windows open and don't invite anyone in. Ignore these tosspots, keep paying your £5 and tell the CAB whats going on as they often do reports about w*nk*rs like these in order to help others who are in the same situation.

Crown

Hi Katie,

I know its difficult but dont let them get you down! It is his job to make you emotional in the hope that you borrow to pay the debt back. All he is thinking about is his Paycheck and bonus. He would have to be sadistic to enjoy speaking to someone like.

You are perfectly reasonable and what he has told you about county court is complete tosh. If you can show the judge your income/expenditure and the efforts you have gone to wit hte CAB to make attempts of repayment then this will go in your favour.

I would personally telephone and ask to speak to the manager and make a complaint and also tell them you will reporting them to the OFT.

Make sure you make the £5 even if they say it cannot be accepted. They will not be able to refuse your payment and it will go in your favour.

If you dont wish to telephone them again have you got a relative or friend who could deal with these scum on your behalf? I personally now love dealing with these people as they dont like it when they realise you know your rights. Hell, If I had permission I would love to speak to debt collectors on other peoples behalfs as its totally wrong that they treat people like this

Chin up girl, you will get there and remember that they are your creditor, not your judge. I think some of these guys have a god complex!

Wish you all the best

rayday2

I would investigate what happend to the standing order could just be a bank holiday delay anyway you need to see if it was paid or not and why not if not.

If it turns out they had the payment you need to write asking them to refund the charge they put on and for a written apology.

But they are certainly not worth your tears, you did well to keep cool.

Crown

Katie~baby wrote: »

Thankyou for your quick replys!! And snaggles thank you so much for that letter im gonna get it sent this afternoon!
I know i owe them money and i know im in the wrong but i really dont think i deserved to be spoken to like that especially when i said i could certainly increase the first week of october. He also said i had defaulted on 5 out of 8 arrangements? I dont understand what he means? Ive upped the payments from £1 to £5 and was going to increase them again in october...

Im really worried now as he also mentioned balliffs?

They cannot send the Bailiffs in as they would need first take you to court for a CCJ and then you would have had to broke the terms of the CCJ so now I know this guy is full of BS. Dont panic!

I cannot express how much this has infuriated me :mad:

I would probally had snapped to be honest and asked "Im sorry, What exact dialect of BS are you speaking..."

Also if its a debt collector I dont think he has any legal right to add 8% to the bill and im pretty certain you can threraten to take them to court. I bet you didnt sign anything agreeing to this so they cant just pull charges out the air although they like to think they can

rog2

This 'idiot' has totally disregarded the OFT guidelines for Debt Collection. Have a look at them, Katie - he obviously hasn't:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf


Then I suggest you contact the Trading Standards Office.

themaccas

Aw Katie, don't let this idiot get to you too much, he is speaking absolute crap. You have been given some excellent advice on here and you've kept your payments there is no way the court will side with him.

Take care
hugs
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